Occupational injury insurance
When should you consider occupational injury insurance?
- When you start a new job
- When you are working
- When you are inflicted by illness or injury at work
- When you buy insurance or take out a loan
What is occupational injury insurance?
Occupational injury insurance applies to all employees. Through the Occupational Injury Act, you are entitled to compensation for injury and illness that occurs at work. Occupational injury insurance covers your past and future expenses, as well as loss of income, when you suffer lasting injury. The insurance applies anywhere in the world. Occupational injury insurance also gives your next of kin a right to compensation if you die at work.
Who gets occupational injury insurance
- Through the Occupational Injury Act, you are entitled to compensation for occupational injury and illness, regardless of who is to blame for the injury.
- As a government employee, you are also entitled to additional compensation under the provisions of the government's main tariff agreement regarding occupational injury.
- If you should die as a result of the occupational injury, your spouse/ cohabitant and children have a right to compensation in accordance with the agreement.
How to apply for occupational injury insurance
- Occupational injury shall be notified to both the Norwegian Labour and Welfare Service (NAV) and to the Norwegian Public Service Pension Fund. Your employer will notify NAV about the injury, but you must notify the Norwegian Public Service Pension Fund yourself.
- The notification must be sent on a special form.
- The notification to the Norwegian Public Service Pension Fund must be sent as soon as possible after you understand, or should have understood, that you could apply for compensation. Any right to compensation is subject to a limitation period of three years.
- You must document all expenses claimed for.
Calculation and amount
- Medical expenses incurred as a result of an occupational injury shall normally be covered by the Norwegian Labour and Welfare Service (NAV). This also applies to own risk payments for doctor's calls. If the injury results in lasting medical invalidity of at least 15 percent, you may also be granted permanent injury compensation by NAV.
- In addition, you may have a right to compensation in accordance with the provisions of the Occupational Injury Act. The compensation shall cover expenses and loss of income that result from the injury. If the injury results in lasting medical invalidity of at least 15 percent, the provisions of the Occupational Injury Act may also give you the right to lasting injury compensation. Any occupational injury insurance payments come in addition to payments from the Norwegian Labour and Welfare Service (NAV).
- For employees covered by the government's main collective wages agreement, the rule in the agreement's § 24 applies. This guarantees a minimum compensation of 15 G (the National Insurance Scheme's basic amount) in the case of 100 percent disability. This is particularly relevant for older employees, since compensation for loss of future income under the provisions of the Occupational Injury Act reduces with age.
- Your right to compensation under the Occupational Injury Act may entitle you to have your legal expenses covered.
- In the case of death, the spouse compensation has an upper limit of 15 G, depending on your age at the time of death. Each child receives from 6.5 G to 1 G, depending on age. In all cases of death, an additional payment of 0.5 G is made to cover immediate expenses.
Find out more about occupational injury insurance
Occupational injury compensation covers all employees, but the regulations are complicated. We recommend that you look into which conditions and entitlements apply to your occupational injury insurance. Contact your immediate superior or the pensions officer at your place of employment. They can advise you with regard to the conditions, calculation and consequences of occupational injury insurance.