Disability pension
The disability pension is insurance that secures your finances with fixed monthly amounts should you become temporarily or permanently incapacitated for work.
Illness or accident may cause you to become fully or partly incapacitated for work. This involves major changes, including reduced income. Disability pension is a type of disability insurance which gives you a lump-sum disbursement as compensation for reduced income, in addition to what you get from the government.
Are insured through your work? See disability pension for businesses.
Request a quote for disability insurance with disability pension. We will recommend you the insurance we think fits you best.
Benefits of disability pension
Maintain your standard of living and ability to pay
Use the disbursements for your home mortgage, expenses and whatever you want
Fixed monthly disbursements adapted to your income
All the way until retirement age, 67 years
Disbursements for both permanent and temporary disability
Secure your finances even if you are only temporarily incapacitated for work
The disbursement is made as soon as your sickness benefits end
After 12 months of continuous sick leave of at least 50%
No grading for the first four years
After 4 years you get a graded disbursement according to the degree of disability
Can be combined with disability lump sum without advance payment
Disability lump sum gives you a one-off payment
Work-oriented treatment in video conversations with a psychologist
Up to five free video calls after six months of sick leave
Payment exemption for the insurance when you are incapacitated for work
Graded according to incapacity for work
Disbursement of disability pension
If you can’t work anymore due to disability, you’ll receive work assessment allowance (AAP) or disability benefits from NAV. The support from NAV will not cover your entire lost income. A part of this income gap will help cover disbursements from the disability pension. Therefore, your sum insured is based on your income and the gap it is supposed to cover as a result of no longer receiving your full salary.
The disability pension is paid after you have been at least 50% incapacitated for work for one year consecutively. The disbursement is made monthly. The sum insured you receive is therefore equal to one month of a year; one twelfth of the sum.
Combine disability pension with disability lump sum
Do you want extra peace of mind? You can choose to combine monthly disbursements in the disability pension with a one-off payment you receive with disability lump sum.
Disability lump sum is paid as a lump sum for permanent incapacity for work over 50% after at least two years of continuous incapacity for work. With the combination of disability pension and disability lump sum, the disability lump sum will be without advance payment.
Disability lump sum with advance payment
The advantage of a disability pension is that it gives you long-term financial peace of mind in the event of becoming incapacitated for work. The disbursements last until retirement age, 67 years.
If you want a cheaper alternative to a disability pension, you can check out disability lump sum with advance payment. It provides you with monthly advances on the sum insured you have agreed to as a one-off payment. If you are declared permanently incapacitated for work, the rest of the sum insured is paid as a one-off payment.
Have you had an accident or damage?
You can easily report a claim online.
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.
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Terms and conditions of the disability pension
General Terms and Conditions Personal Insurance (PDF)
Disability Pension terms and conditions (PDF)
Disability Pension product information (PDF)
If you already have disability insurance with us, you need to log in to the online bank or mobile banking app to check the terms and conditions that apply to you.
If it’s been a long time since you’ve last bought disability insurance and you want the latest terms and conditions, you can contact us about what’s new in the current insurance policy and get help upgrading to the current terms and conditions.
FAQ
DNB News about disability
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.