AFP for you born in 1962 or earlier

The contractual pension (AFP) is an early retirement scheme for those born in 1962 or earlier. It is only paid between the ages of 62 and 67. After that, it is converted into a regular retirement pension. You must reduce your employment or stop working entirely to be able to withdraw you AFP pension.

The contractual early retirement pension (AFP) is intended as a benefit to cover for lost income over a period of time. This means that to receive AFP pension, you must stop working completely or partially. AFP can be taken at the earliest in the month after you turn 62 years.

Below is an overview of the conditions you must meet to receive the AFP pension in the public sector.

Conditions for receiving the AFP pension:

  • As a general rule, you must work in a membership-required position right up until you retire with AFP. (Full leave or exemption from work duties counts as a break in a membership-required position. Sick leave is not considered a break as long as you receive sick pay.)
  • You must have had at least 10 years of income exceeding 2 National Insurance scheme basic amounts (referred to as "G") AND have had an income of at least 1 G (a little over 124,000 kroner) in the two years prior to retiring with AFP. (If you retire with AFP mid-year, we calculate how much salary you would have received if you had worked the entire calendar year.)

    AND IN ADDITION TO THE ABOVE REQUIREMENTS

  • EITHER have been a member of the Norwegian Public Service Pension Fund (SPK) for 10 years after the age of 50
  • OR have had 10 years of earnings in the national insurance scheme (NAV) with an income of at least 1 G after the age of 50

In addition to the basic requirements above, you must:

  • have stopped any benefits from The Norwegian Labour and Welfare service (NAV) such as retirement pension or survivor's pension. These benefits cannot be provided simultaneously with the AFP pension

* G is the National Insurance scheme basic amount (G)

Full or partial contractual early retirement pension (AFP)

  • You can take out full AFP pension as long as you stop working completely and no longer have any employment income. If you do not stop working completely, you must meet certain conditions to qualify for partial AFP pension.
  • You can take out partial AFP pension as long as you reduce your position by at least 10 percent AND the remaining position percentage constitutes at least 60 percent of a full-time position. Both conditions must be met in the first month for you to be eligible for partial AFP pension. If you reduce your position by less than 10 percent or continue working in less than 60 percent of a full-time position, you are not entitled to the AFP pension.
  • The amount you receive in AFP pension depends on your income. Read more about the AFP pension and income here.

Change of position percentage

If you have had the AFP pension for a month or more, you are free to increase or decrease your position percentage as you wish, provided your employer agrees. Just make sure to keep NAV and The Norwegian Public Service Pension Fund (SPK) informed about your income. Read more about the contractual early retirement pension (AFP) and income here.

Calculation and amount of the AFP pension

What you can receive in AFP pension is based on your earnings. Learn more about the calculation of the contractual early retirement pension (AFP). (In Norwegian)

Subsequent settlement for AFP (In Norwegian)

Each year when the tax settlement is ready, we check if you have received the correct pension based on the income you have reported.

This is how you apply for contractual pension (AFP)

Application for AFP consists of two parts: one part to be completed by your employer, and one part to be completed by you.

Here is the process for a first-time application for AFP:

  1. Agree on your pension start date with your employer. If you wish to continue working part-time, you must also agree on your working hours.
  2. Your employer must then send a notification of your pension to us no later than two months before the month your pension is set to begin.
  3. You must then complete the AFP information form available on www.nav.no. Submit the form to NAV no later than two months before the month your pension is to start. The form should only be submitted for a first-time AFP application.
  4. Once everything has been submitted and the application is approved, the AFP will be paid out. The pension always starts on the first of the month.

Please note that the AFP application is not complete until your employer has submitted the pension notification (step 2) and the information form has been completed and sent to NAV (step 3). If you are receiving retirement or survivors' pension from NAV, you must notify NAV that these benefits should stop from the day you apply for AFP.

If you are between 62 and 65 years old, you will receive a decision from NAV once they have received the pension notification from us and the information form. If you are over 65, you will receive a decision from us when the payments start."

This happens at 67 years old

At the age of 67, we automatically convert your AFP pension to a regular retirement pension. Therefore, you do not need to apply for a retirement pension from us if you already have the AFP pension. However, you must apply for a retirement pension from NAV (Folketrygden) so that you receive a retirement pension from the National Insurance scheme (NAV) when you turn 67 years old.

AFP and income (In Norwegian)

In your application for the AFP pension, it is important that you inform us how much you will earn in addition to the pension.

AFP and disability pension (In Norwegian)

You can receive the contractual early retirement pension (AFP) even if you already have a partial disability pension from SPK.

Payment of the AFP pension

The pension from SPK is paid monthly by the Norwegian Labour and Welfare service (NAV) along with any benefits from the national insurance scheme. They inform more about details related to the payment itself - for instance, taxes on their website: nav.no.