When should you consider a disability pension?
- When you start a new job
- When you have children
- When you change pension schemes
- When you decide to buy insurance or take out a loan
- When you are on long-term sick leave
What is a disability pension?
You are eligible for a disability pension if you become unfit for work because of illness or injury. The cause of your disability or whether the condition is permanent or temporary does not matter. Illness and occupational injury are common reasons for becoming unfit for work.
The disability pension is not coordinated with the social benefits provided by the National Insurance Scheme.
Who is eligible for a disability pension
- You normally get disability pension after you have been on sick leave for a year.
How to apply for disability pension
- You must submit the electronic application form to the Norwegian Public Service Pension Fund three months before your sickness benefit stops. You do not normally need to include your medical certificate.
- In some situations the Norwegian Public Service Pension Fund requires a statement from your doctor in order to assess your application. If this is the case you will be notified that you need to submit a medical certificate.
If you apply for a disability pension of 50 per cent or more from the Norwegian Public Service Pension Fund, you must also apply for disability benefit or work clarification benefit (AAP) from the National Insurance Scheme.
Calculation and amount
- You may be granted a full or partial disability pension, and the pension can be permanent or temporary.
- When calculating a temporary or permanent disability pension, the proportion of your earning capacity that has been lost and the pension-qualifying period are taken into account.
- If you have lost all your earning capacity and are receiving a disability pension or AAP from the Norwegian Labour and Welfare Administration (NAV), your full pension will be the sum of:
- 25 per cent of the National Insurance Scheme base amount (G) (but no more than 6 per cent of your pension basis)
- 3 per cent of your pension basis up to 6 G
- 69 per cent of your pension basis between 6 and 12 G
- If you have reduced earning capacity, but not to the extent that you receive a disability pension or AAP from NAV, your pension will be the total of:
- 25 per cent of G (but no more than 6 per cent of your pension basis)
- 69 per cent of your pension basis up to 12 G
- Your qualifying period is the period in which you have been a member of the scheme, plus the years in which you could have worked until the retirement limit, but not beyond the age of 67.
- Your qualifying period is carried over from other public service pension schemes to which you have belonged.
- You receive a child supplement of 4 per cent of your pension basis per child under 18 up to 6 G – for up to 3 children.
- The minimum partial disability pension from the Norwegian Public Service Pension Fund is 20 per cent. The lower limit for the National Insurance Scheme is 50 per cent.
- You are guaranteed an annual pension adjustment equivalent to the average wage increase.
- You accrue the right to a retirement pension even if you are completely or partially unfit for work.
- You get a payment exemption from pension contributions. This means that you accrue the right to a retirement pension, but neither you nor your employer has to pay for it if you become 100 per cent unfit for work. The exemption from payments is reduced proportionally for lower levels of disability.
Find out more about disability pension
Even though nobody wants to imagine being unfit for work, it is still advisable to get acquainted with the various regulations for disability pension. Contact your immediate superior or the pensions officer at your place of employment. They know the details of your pension scheme.