Single payment permanent disability benefit

Disbursement of disability lump sum

If you can’t work anymore due to disability, you’ll receive work assessment allowance (AAP) or disability benefits from NAV (the Norwegian Labour and Welfare Administration). The support from NAV will not cover your entire lost income. Without insurance, thisincome gap may mean that you have to change your lifestyle.

Therefore, the recommended sum insured in the disability lump sum is based on your income. You are still free to choose the sum insured yourself. With disability lump sum, you are guaranteed a lump-sum payment for permanent disability, which can, for example, be used to pay down loans or adapt to a new life without a full salary.

When does the insurance pay out?

Disability lump sum is paid out after you have been at least 50% incapacitated for work for a continuous period of two years, and the degree of disability is considered permanent.

If you have disability lump sum with advance payment, monthly disbursements start after you have been at least 50% incapacitated for work for a continuous period of one year. The advance payment can be made for a maximum of five years.

Combine disability lump sum with a disability pension

Do you want extra peace of mind? You can choose to combine the one-off payment you receive with disability lump sum with monthly disbursements in the disability pension. The disability lump sum will then be without advance payment.

What does the government cover?

In Norway, people who experience incapacity to work initially go through a sickness benefit period with sickness benefits. After this period, you will move over to work assessment allowance (AAP) before you can finally be granted disability benefit.

Fremtind Forsikring

As a DNB customer, you get insurance supplied by Fremtind Forsikring – one of Norway’s largest insurance providers, with extensive experience. You are still a customer of DNB, and should contact us if you want to buy insurance, make changes, make a claim or have any questions.

To give you an offer, DNB will share your personal data with Fremtind. You can see how this is processed in Fremtind’s personal privacy statement.