Disability pension

Secure disbursements for yourself and your employees in the event of becoming incapacitated for work.

Image of a man sitting in a wheelchair and smiling at his dog

Monthly payments to employees who become wholly or partly incapacitated for work
Greater sense of security for you and your employees
Make your business attractive when recruiting

Sense of security for you and your employees

Becoming incapacitated for work can happen suddenly and often comes with high costs. With a disability pension, you and your employees get financial compensation that helps you maintain your standard of living. Many employees today expect good pensions and insurance agreements. A disability pension helps make your business attractive to prospective employees.

Product information

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Terms and conditions

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Did you know that...

Statistics show that one in five 35-year-olds will be disabled for the next 20 years. Many have not secured themselves and risk large income reductions. This also applies to your employees, even if the pension may seem far away.

Helselos - "A helping hand

A service that provides professional health guidance and strengthens the company’s follow-up in the event of absence due to illness.

Absence due to illness calculator

Check out how much absence due to illness can cost your business with our absence due to illness calculator.

Calculate here

Frequently asked questions about disability pensions

Why should you have disability pensions?

For many people, the support from NAV (the Norwegian Labour and Welfare Administration) is not enough to survive on. You can get a maximum of 66% of your salary up to 6G, which is a maximum disbursement of just over NOK 350 000.

You don’t get any compensation for salaries over 6G, so if your salary is higher than this, you’ll experience an especially large drop in income should something happen.

What will happen if I or my employees cannot work?

If an illness or accident means that you can no longer work, you will no longer receive the same monthly salary either. NAV (the Norwegian Labour and Welfare Administration) only covers some of the income you had before, and it may be that you will need to survive on just half.

Becoming incapacitated for work can happen suddenly and have long-term financial consequences. It’s a good idea to think about whether you will manage to live your current lifestyle with a potentially significantly lower salary.

What about disability pensions from previous employers?

Employees may also have the right to a disability pension from a previous employer. The sum of all of the payments must not become too high relative to earned income.

The cut-off rules state that disability pensions from the business’ pension scheme must be reduced until the person who is incapacitated for work constitutes the highest of either the disability pension set by the pension plan, or the sum of the disability pension earned at the previous employer.

What are the most common causes of becoming incapacitated for work?

Can you continue working while being incapacitated for work?

A recipient of a disability pension can receive an income without the degree of disability changing. The disability disbursement is reduced with income beyond a tax-free limit, but the degree of disability remains in the event that you can no longer work.

If you’re not able to work as much as before anymore and your income is reduced, disability pension disbursements will again increase. In the event of increased incapacity for work, the degree of disability can be increased after a more detailed evaluation.

When is the disability pension disbursed?

Our pension products

Pension provider

The pension agreement is provided by DNB Livsforsikring AS.