Retirement pensions from the National Insurance Scheme ensure that you have an income in your old age. You can start drawing a retirement pension the month after you turn 62. In order to draw a retirement pension before you turn 67, you must have accumulated sufficient pension rights. You can work as much as you want without your pension being reduced.
You accumulate rights to a retirement pension when you work or otherwise have a pensionable income before turning 75. Some benefits from the National Insurance Scheme (such as parental benefits, sickness benefits, work capacity assessment allowance and unemployment benefits) also count as pensionable income.
You can also accumulate rights to a retirement pension in unpaid care work, when receiving a disability pension, or if you have completed conscript service in 2010 or later. Read more about how to earn a retirement pension.
You can start drawing a retirement pension when you are between 62 and 75 years of age. In order to draw a retirement pension before you turn 67, you must have accumulated sufficient pension rights. It is important to be aware that the earlier you start drawing a pension, the less you are paid every year.
Note that you can work while drawing a retirement pension without this pension being reduced. You can also choose whether to draw your entire pension or only draw some of it. You may draw a 20, 40, 50, 60 or 80 per cent retirement pension. Read more about drawing a retirement pension.
If you accumulate rights to a retirement pension, your pension rights are adjusted annually in accordance with increasing salary levels. When you draw a retirement pension, the pension is adjusted annually in accordance with salary increases, and the pension is thereafter reduced by 0.75 per cent. Read more about adjustment of a retirement pension.
When you draw a retirement pension, your pension is adjusted in accordance with the general life expectancy of the population. If the life expectancy increases, you must expect to have to postpone drawing a retirement pension in order to receive a pension equivalent to that paid to those who are older than you. Read more about life expectancy adjustments.
In 2011, new rules about retirement pensions came into effect. The rules affect all current and future pensioners. All old-age pensioners will be affected by the new rules regarding pension adjustment. The way you accumulate rights to a retirement pension is still partly regulated by certain old rules, or by a combination of old and new rules.
If you are born in 1954 or earlier, the old rules for accumulating retirement pension rights apply.
If you are born between 1954-1962, a combination of the old and new accumulation rules apply.
Your payments will depend on the size of the pension rights you have earned, the percentage at which you draw a pension, whether you have a spouse with his/her own income and whether you have spent all or part of your life abroad. The online service Din pensjon ("Your pension") provides an overview of how much you will receive when you retire.
NAV can provide information and advice about contractual early retirement schemes and about retirement pensions from the National Insurance Scheme. If you have questions about your occupational pension, please contact your occupation pension provider.
A National Insurance retirement pension will be paid until the month of death.
It is easiest to apply for a retirement pension through the Din pensjon,("Your pension") online service, but you may also submit a paper application.
You should apply for your pension about three months prior to the date on which you want payments to begin. You cannot apply for a retroactive flexible retirement pension, and the earliest date on which you will be entitled to retirement pension will be the month after NAV has received your application. Read more about applying for a retirement pension.
First, you must find out whether you retain your membership in the National Insurance Scheme. Under "related content" you can read about membership and retirement pensions when staying abroad.
If your marital status changes or you plan long-term stays abroad, this might affect the payments you receive from NAV. You must therefore immediately report any such changes to your local NAV office.
Your money will normally be in your account by the 20th of each month, see more information about payments. Some benefits are paid earlier in December.
You can also check your payments on the Your payments service.