Your monthly pension payment will be higher the longer you wait to start drawing and the longer you continue to work. You will continue to accumulate pension rights until the end of the year you turn 75 years old.

Examples of how you can benefit by waiting to start drawing

The examples below show the benefits of continuing to work longer and waiting to draw retirement pension. The calculations below are based on a person born in 1963.

The examples only apply to the part of your pension paid by the National Insurance Scheme (Nav). 

Example, 62 years old: You have an estimated income of NOK 535,000 before you start drawing a pension, and you start drawing retirement pension from age 62.

• Your pension balance is NOK 4,190,000 at age 62.
• Your annual pension will be NOK 213,200.

Example, 65 years old: You wait to draw retirement pension until you turn 65 years old, and you continue working, with an annual income of NOK 540,000 until you start your draw.

• Your pension balance will increase to NOK 4,472,000.
• Your pension at age 65 will increase to NOK 276,400 per year.
• You will receive NOK 63,200 more per year – NOK 5,267 more per month – than if you start drawing retirement pension from age 62.

Example, 67 years old: You wait to draw retirement pension until you turn 67, and you have an income of approx. NOK 545,000 until then.

• Your pension balance will be approx. NOK 4,689,000.
• Your pension at age 67 will be approx. NOK 298,300 per year.
• You will receive NOK 85,100 more per year – NOK 7100 more per month – than if you start drawing retirement pension from age 62.

Example, 70 years old: You wait to draw retirement pension until you turn 70, with an income of NOK 550,000 per year.

• Your pension balance will be approx. NOK 4,995,000.
• Your pension at age 70 will be approx. NOK 360,600 per year.
• You will receive NOK 147,400 more per year – NOK 12,300 more per month – than if you start drawing retirement pension from age 62.

In addition, other factors, such as taxes, interest rates, savings and life expectancy, will play into whether you will benefit from drawing retirement pension while continuing to work.

You are free to work while drawing retirement pension from the National Insurance Scheme without your pension payment being reduced.

For every year you work, you will have an earned income in addition to your pension. This will yield a higher net payment.

In addition, your actual retirement pension may also increase if you continue to work while drawing retirement pension. If you were born after 1953, your retirement pension will always increase if you continue working.

New accumulation included in retirement pension

When you start drawing retirement pension, your income and your accumulated rights up to and including the year before you start your draw will be the basis for your retirement pension.

If you continue to work, your pension payment will be higher, because you will add another year of income to your basis. Each additional year of earning an income could mean an additional year of pension rights, a higher earnings-related pension and an additional year to your national Insurance period.

When you earn an income, your accumulated pension rights will update in January every year. The income you earned in 2022 is added to your accumulated rights from 1 January 2024. This is because the income first must be approved by the Tax Administration.

Example of how much more you can receive by working in addition to drawing a pension

The table below shows how much your retirement pension payment can increase if you continue to work while drawing a full pension. The examples only apply to the part of your pension paid by the National Insurance Scheme (Nav).

In this example, we have assumed that you

• are 62 years old when you start drawing a full pension from 1 April 2025
• have an income of NOK 535,000 and that your income increases slightly every year

When you start drawing a pension in 2025, your annual pension will be NOK 213,200.

All amounts in NOK. If you are having trouble reading the table on a mobile device, try turning your device sideways.

Explanation for calculations in table

An income of NOK 535,000 in addition to your pension will increase your pension balance by NOK 96,835. This amount is then divided by the remaining life expectancy for your age cohort the year the income is added.

Pensions through employers – occupational pension and contractual pension (AFP)

You can combine work with retirement pension paid by the National Insurance Scheme, but other rules may apply to pensions you receive through your employer. Please ask your employer or your occupational pension scheme for more information on this.

It is possible to draw full retirement pension or draw a partial pension and save the rest for later.

You may choose to draw retirement pension at 20, 40, 50, 60, 80 or 100 percent of the full draw. Once you start drawing retirement pension, you can at any time choose to draw the full pension or to suspend your draw entirely.

You decide how much to draw, and you will be able to work while also drawing a pension. This means, as an example, that you can draw a full retirement pension (100 %) and work 50 or 80 percent of full-time at the same time.

How to change your draw

A percentage of your annual income is added to your pension balance. All income years up to age 75 contribute to your pension payment.

The new pension rules are applied to everyone born in 1963 or later.

How your pension balance is calculated:

18.1 percent of your pensionable income, up to 7.1 times the average National Insurance basic amount (G) (in Norwegian) is added to your pension balance every year. Your pension balance is the basis for your pension payment.

• You accumulate pension rights from the first krone earned.
• You will continue to accumulate pension rights until the end of the year you turn 75 years old.
• From 2010, you can start accumulating pension rights from the year you turn/turned 13. If you were 14, 15, or 16 years in 2010, you will also accumulate pension rights from 2010.
• If you were 17 years old or older in 2010, you will accumulate pension rights from the year you turned 17.

If you completed initial service in 2010 or later, you accumulate pension rights for this service. 12 months of service is equivalent to an accumulation of 18.1 percent of 2.5 G. If your service is/was shorter than 12 months, you will accumulate pension rights for each month.

What can I get?

Your accumulated pension rights are distributed across the life expectancy for your age cohort. This is called a life expectancy adjustment (in Norwegian). As long as the life expectancy keeps increasing, each age cohort will have to work a little bit longer than the previous one in order to achieve the same pension.

The longer you wait to start drawing retirement pension, the higher your monthly payment will be.

Log in to see your pension accruals (service in Norwegian)

Retirement pension is calculated in accordance with transition rules. This means that both old and new pension rules apply to you. 

New rules: Your annual pensionable income is the basis for your pension balance. You accumulate pension rights from the first krone earned. All years of accumulated rights count.

Old rules: Your annual pensionable income is converted into pension points. In order to qualify for pension points, your pensionable income must be at least 1G (average National Insurance basic amount - in Norwegian) for the year in question. You need 40 years of pension points in order to qualify for full rights.

If you go to Your accrued pension, you will see that your rights include both pension points and a pension balance.

The new pension rules are being implemented gradually. This means that the younger you are, the more of your pension will be calculated based on the new rules. If you were born in 1954, 9/10 of your pension will be calculated in accordance with the old rules, and 1/10 in accordance with the new. If you were born in 1955, 8/10 of your pension will be calculated in accordance with the old rules, and 2/10 in accordance with the new, etc.

Log in to see your pension accruals (service in Norwegian)

How to accumulate pension rights under the new rules

18.1 percent of your pensionable income, up to 7.1 times the average National Insurance basic amount (G) (in Norwegian) is added to your pension balance every year. Your pension balance is the basis for your pension payment.

• You accumulate pension rights from the first krone earned.
• You will continue to accumulate pension rights until the end of the year you turn 75 years old.
• From 2010, you can start accumulating pension rights from the year you turn/turned 13. If you were 14, 15, or 16 years in 2010, you will also accumulate pension rights from 2010.
• If you were 17 years old or older in 2010, you will accumulate pension rights from the year you turned 17.

If you completed initial service in 2010 or later, you accumulate pension rights for this service. 12 months of service is equivalent to an accumulation of 18.1 percent of 2.5 G. If your service is/was shorter than 12 months, you will accumulate pension rights for each month.

How much can I get in the part calculated by the new rules?

Your accumulated pension rights are distributed across the life expectancy for your age cohort. This is called a life expectancy adjustment (in Norwegian). As long as the life expectancy keeps increasing, each age cohort will have to work a little bit longer than the previous one in order to achieve the same pension.

The longer you wait to start drawing retirement pension, the higher your monthly payment will be.

How to accumulate pension rights under the old rules

You accumulate pension rights by earning a pensionable income and living in Norway.

For each year you have an income exceeding the average National Insurance basic amount (G) (in Norwegian), you earn pension points. Your top 20 point years and the number of years you earned pension points will determine the size of your pension. The maximum number of years that count is 40.

If your period of the National Insurance Scheme coverage is less than 40 years, you will receive a smaller pension. The national insurance period is normally the period from when you turn 16 to the year you turn 66 and you work or live in Norway. One year of pension points is equivalent to a full year of the National Insurance Scheme coverage.

How much can I get in the part calculated by the old rules?

Retirement pension under the old rules is made up of basic pension and supplementary pension.

Basic pension

The basic pension is calculated based on the basic amount (G) and the rules for life expectancy adjustment.

• In order to qualify for a full basic pension, you must have a national insurance period of at least 40 years.
• Prior to 2021, you needed a national insurance period of at least three years in order to qualify for a basic pension. From 2021, the requirement is five years.
• Are you married or do you have a cohabitant? If so, the basic pension is reduced to 90 percent of what you would receive as a single person.

Supplementary pension

Supplementary pension is primarily accumulated through the pensionable income you have had, and your pension points.

• In order to qualify for a full supplementary pension, you must have national insurance period of at least 40 years.
• If you drew a pension before 2021, you needed at least three pension point years in order to qualify for a supplementary pension. From 2021, the requirement is five years.
• No pension rights were accumulated prior to 1967.
• If you were born in 1943 or later, you can accumulate rights from pensionable income from age 17 up to the end of the year you turn 75.
• Unemployment benefit, disability benefit, sickness benefit, work assessment allowance and care benefit count toward pension right accumulations.
• You may also accumulate rights based on unpaid care work (in Norwegian).

Pension supplement

If you have accumulated limited or no rights to supplementary pension, you may qualify for a pension supplement. The size of the pension supplement will vary, depending on whether you are single or whether you have a spouse, cohabitant or registered partner who receives their own pension or has an income exceeding 2G, NOK 248,056.

• The pension supplement is reduced against the supplementary pension, krone by krone.
• The pension supplement is adjusted for life expectancy, as well as for age at the time of the draw and whether the draw is full or partial.
• If you draw full (100%) pension from age 67, the pension supplement will guarantee that your total pension is equivalent to or higher than the minimum pension level.
• Even if you have limited or no accumulated pension rights, your annual pension will increase the longer you wait to draw it.
• By waiting to draw full retirement pension until after age 67, you will always be guaranteed a pension exceeding the minimum pension level.
• If your national insurance period is less than 40 years, your pension supplement will be reduced.

The pension you receive under the old rules will also be adjusted for life expectancy. The longer you wait to start drawing retirement pension, the higher your monthly payment will be.

If you were born before 1954, the old pension rules will apply.

Accumulation of pension rights 

You accumulate pension rights by earning a pensionable income and living in Norway.

For each year you have an income exceeding the average National Insurance basic amount (G) (in Norwegian), you earn pension points. Your top 20 point years and the number of years you earned pension points will determine the size of your pension. The maximum number of years that count is 40.

If your period of the National Insurance Scheme coverage is less than 40 years, you will receive a smaller pension. The national insurance period is normally the period from when you turn 16 to the year you turn 66 and you work or live in Norway. One year of pension points is equivalent to a full year of the National Insurance Scheme coverage.

What can I get in retirement pension?

Retirement pension under the old rules is made up of basic pension and supplementary pension.

Basic pension

The basic pension is calculated based on the basic amount (G) and the rules for life expectancy adjustment.

• In order to qualify for a full basic pension, you must have a national insurance period of at least 40 years.
• Prior to 2021, you needed a national insurance period of at least three years in order to qualify for a basic pension. From 2021, the requirement is five years.
• Are you married or do you have a cohabitant? If so, the basic pension is reduced to 90 percent of what you would receive as a single person.

Supplementary pension

Supplementary pension is primarily accumulated through the pensionable income you have had, and your pension points.

• In order to qualify for a full supplementary pension, you must have national insurance period of at least 40 years.
• If you drew a pension before 2021, you needed at least three pension point years in order to qualify for a supplementary pension. From 2021, the requirement is five years.
• No pension rights were accumulated prior to 1967.
• If you were born in 1943 or later, you can accumulate rights from pensionable income from age 17 up to the end of the year you turn 75.
• Unemployment benefit, disability benefit, sickness benefit, work assessment allowance and care benefit count toward pension right accumulations.
• You may also accumulate rights based on unpaid care work (in Norwegian).

Pension supplement

If you have accumulated limited or no rights to supplementary pension, you may qualify for a pension supplement. The size of the pension supplement will vary, depending on whether you are single or whether you have a spouse, cohabitant or registered partner who receives their own pension or has an income exceeding 2G, NOK 248,056.

• The pension supplement is reduced against the supplementary pension, krone by krone.
• The pension supplement is adjusted for life expectancy, as well as for age at the time of the draw and whether the draw is full or partial.
• If you draw full (100%) pension from age 67, the pension supplement will guarantee that your total pension is equivalent to or higher than the minimum pension level.
• Even if you have limited or no accumulated pension rights, your annual pension will increase the longer you wait to draw it.
• By waiting to draw full retirement pension until after age 67, you will always be guaranteed a pension exceeding the minimum pension level.
• If your national insurance period is less than 40 years, your pension supplement will be reduced.

Special supplement, born before 1943

If you have accumulated limited or no rights to supplementary pension, you are entitled to a special supplement. The size of the special supplement will vary, depending on whether you are single or whether you have a spouse, cohabitant or registered partner who receives their own pension or who has an income exceeding 2G, NOK 248,056. The special supplement is reduced against the supplementary pension, krone by krone.

• If your national insurance period is less than 40 years, your special supplement will be reduced.
• The special supplement guarantees that your total pension will at least be equivalent to the minimum pension level.

Life expectancy adjustment because we live longer

Your accumulated pension rights are distributed across the life expectancy for your age cohort. This is called a life expectancy adjustment (in Norwegian). As long as the life expectancy keeps increasing, each age cohort will have to work a little bit longer than the previous one in order to achieve the same pension.

The longer you wait to start drawing retirement pension, the higher your monthly payment will be.

Log in to see your pension accruals (service in Norwegian)

Do you have limited or no accumulated pension rights? If so, you may be entitled to a minimum retirement pension from the National Insurance Scheme.

• You must draw full (100%) retirement pension.
• You have a national insurance period of at least five years.
• You need to have a national insurance period of at least 40 years in order to be entitled to the full minimum pension level.

If your national insurance period is shorter than 40 years, your minimum pension will be reduced. If you live in Norway and your residence is too short to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

In order to draw retirement pension before the age of 67, you need to have accumulated pension rights that are at least equivalent to the minimum pension level. Therefore, in practice, you will not qualify for the minimum pension level until you turn 67.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

The rates apply from 1 May 2024, and for people with full national insurance cover.

Low rate

The low rate is 192,984 per year.

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

The standard rate is 223,358 per year.

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers

• or who has an annual income, including capital income, exceeding  248,056 (twice the basic amount (G)).

High rate

The high rate is 235,039 per year.

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below  248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

The special rate for singles is 264,134 per year.

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

The special rate is 365,847 per year.

If you are supporting a spouse over the age of 60 and meet the requirements for a  spouse supplement (in Norwegian), you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1954, you get calculated 9/10 according to old rules (minimum pension level) and 1/10 according to new rules (guarantee pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1955, you get 8/10 calculated according to old rules (minimum pension level) and 2/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1956, you get 7/10 calculated according to old rules (minimum pension level) and 3/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1957, you get 6/10 calculated according to old rules (minimum pension level) and 4/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1958, you get calculated 5/10 according to old rules (minimum pension level) and 5/10 according to new rules (guarantee pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1959, you get 4/10 calculated according to old rules (minimum pension level) and 6/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1960, you get 3/10 calculated according to old rules (minimum pension level) and 7/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

Minstepensjonen beregnes etter når du er født.  Minstepensjonen regnes ut etter både gamle regler (minste pensjonsnivå) og nye regler (garantipensjon).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

Hvor mye kan du få?

If you were born in 1961, you get 2/10 calculated according to old rules (minimum pension level) and 8/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Sivilstatusen din avgjør hvilken sats du får

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

The minimum pension is calculated based on your birth year. The minimum pension is calculated using both the old rules (minimum pension level) and the new rules (guarantee pension).

If you are 67 years old or older, have a full national insurance period and draw full (100%) retirement pension, you are guaranteed these rates.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway. If your national insurance period is shorter than 40 years, your minimum pension may be reduced. If you live in Norway and you have not lived here long enough to be entitled to minimum pension when you turn 67, you may be entitled to a supplementary benefit.

If you are younger than 67, you will not be able to draw retirement pension if your pension is lower than the minimum pension rates.

How much can I get?

If you were born in 1962, you get 1/10 calculated according to old rules (minimum pension level) and 9/10 according to new rules (guaranteed pension).

The rates apply from 1 May 2024, and for people with full national insurance cover.

Your marital status will determine the rate you are entitled to

How much you will get will depend on your marital status. The income of your spouse or cohabitant will impact the rate you are entitled to.

If you have a cohabitant and you have joint children, or a cohabitant with whom you were previously married, the rules for spouses will apply.

Low rate

If you live with a spouse who is receiving retirement pension or public sector contractual pension, you are entitled to the low rate.

Standard rate

If both you and your spouse receive full retirement pension, the combined pensions for you and your spouse shall be equivalent to at least two times the standard rate.

If you live with a spouse who is receiving disability benefit, you are entitled to the standard rate.

If you live with a spouse who is not receiving retirement pension or disability benefit, but who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)), you are entitled to the standard rate.

You are also entitled to the standard rate if you, in 12 of the last 18 months, have co-habited with a person who is receiving

• retirement pension, contractual pension or disability benefit or
• benefits paid to surviving spouses or former family carers
• or who has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G)).

High rate

You are entitled to the high rate if you are married/cohabiting and the conditions above do not apply to you, i.e. if your spouse/cohabitant earns an income below NOK 248,056 (twice the basic amount (G)) and does not receive any of the pensions mentioned above.

Special rate for singles

If you are single, you are entitled to the special rate for singles. The term single in this context also applies to spouses who do not live together.

Special rate for persons who are supporting a spouse aged 60 or over

If you are supporting a spouse over the age of 60 and meet the requirements for a spouse supplement, you are entitled to the special rate.

If you have limited or no accumulated pension rights, you may be entitled to a guarantee pension to provide you with a minimum income. 

• You need to have a national insurance period of at least 5 years in order to be entitled to a pension.
• You need to have a national insurance period of at least 40 years in order to be entitled to the full guarantee pension.

The national insurance period is normally the period from when you turn 16 to the end of the year you turn 66 and you work or live in Norway.

If your national insurance period is shorter than 40 years, your guarantee pension may be reduced. If you have worked or lived in a country with which Norway has a social security agreement, you may be entitled to a guarantee pension even if your national insurance period is too short.

Income leads to higher payments

If you have had a pensionable income (in Norwegian), you will accumulate a pension balance. Your pension balance is the basis for your income pension.

When you have an income pension, your guarantee pension will be reduced. The guarantee pension is reduced by 80 percent of your income pension. This means that if you receive an income pension, your pension will always be higher than the guarantee pension. 

I want to draw retirement pension before age 67

In order to do that, you need to have accumulated pension rights that are equal to or exceed the guarantee pension Nav has calculated that you are entitled to from age 67.

How much can I get?

How much you will get will depend on your marital status. The income of your spouse or cohabitant will determine whether you are entitled to the standard rate or the high rate.

The rates apply from 1 May 2024, and for people with full national insurance cover.

Standard rate

The standard rate is NOK 216,226 per year.

You are entitled to the standard rate if you are living with a spouse or cohabitant who 

• is receiving disability benefit, retirement pension or public sector contractual pension 
• has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G))
• is receiving a pension or transitional benefit pursuant to Chapters 16 and 17 of the National Insurance Act

You are considered cohabiting if

• you and your cohabitant have lived together for 12 of the last 18 months, or
• you have joint children with your cohabitant, or you were previously married to your cohabitant

High rate

The high rate is NOK 233,746 per year.

If you are single, you are entitled to the high rate guarantee pension.

You are also entitled to the high rate if you are living with a spouse or cohabitant who 

• is not receiving disability benefit, retirement pension or public sector contractual pension 
• is not receiving survivor’s benefits pursuant to Chapter 16 or 17 of the National Insurance Act
• has an annual income, including capital income, exceeding NOK 248,056 (twice the basic amount (G))

You are considered a survivor if your spouse, registered partner or cohabitant dies or is missing.

In order to have rights as a surviving spouse or partner, the marriage must have lasted at least 5 years, or you must have joint children with the deceased.

If you are a surviving cohabitant, you are required to have or have had children with the deceased cohabitant, or to have previously been married to them.

If you were divorced from the deceased, you may be entitled to survivor’s rights. 

If your spouse, cohabitant or registered partner dies, the deceased person’s payments from Nav will cease. Pensions and disability benefit from the National Insurance Scheme is paid through the month the person died.

Procedure for deaths

This is normally the procedure for those who already receive retirement pension when their spouse, cohabitant or registered partner dies:

• Nav normally receives notice of the death through our electronic system exchange with the National Population Register.
• Once the death is registered by Nav, a letter will automatically be sent to you with information about what your pension will be from that point onwards. This is because your pension will have changed due to your status as single.
• When you receive this letter, we have not yet determined whether or not you have survivor’s rights in relation to your retirement pension. 
• You will therefore receive a new letter from us after a few days. This letter will include updated information about your pension from Nav.

Other benefits from Nav, except for supplementary benefit, will not be affected by the changes in your retirement pension.

If the deceased received an occupational pension, you must contact the pension scheme owner for more information. 

Deaths abroad

When a death occurs abroad, you should contact Nav at tel. 55 55 33 34 as soon as possible, to ensure that the deceased person’s pension payment is stopped in time, to prevent the next of kin from having to reimburse Nav for incorrect pension payments.

Do you think you may be entitled to survivor’s rights, but you have not received any information about this from Nav? If so, you can submit an application for us to consider your case. This especially applies if you live abroad, or if you previously cohabited with or are divorced from the deceased.

International cases

If you receive information from Nav informing you that you must submit an application, this could be because you live abroad and your deceased spouse, registered partner or cohabitant did not receive retirement pension, disability benefit or contractual pension from Nav.

Divorced or former cohabitants

If you are divorced from the deceased, or you previously were cohabitants, you can apply for a recalculation of your retirement pension.

This applies if

• you were divorced from the deceased and have not remarried. This normally means you are entitled to survivor’s rights with your retirement pension if your ex-spouse died within 5 years after your divorce and your marriage lasted for at least 25, or at least 15 years if you have children together.
• the deceased fully or partially supported you. If so, you may be entitled to survivor's supplement from your former spouse, even if the death occurred more than 5 years after the divorce.
• you previously lived together for 15 years or more and you have/have had children together, and it has been less than 5 years since you separated. The number of years you lived together is calculated from the birth of your child.

Submit application to NAV

Some survivors receive a higher pension, but not all. The difference between your and the deceased’s accumulated rights will determine whether or not you will receive a higher pension. The national insurance period is also a factor.

As a single pensioner, you are entitled to minimum pension at the special rate for singles. 

The birth year will determine how we calculate your survivor’s rights:

Survivor’s rights if you are born before 1954

Calculation of supplementary pension

You will receive the higher of

• your own accumulated supplementary pension rights and 
• the sum of 55 percent of your own accumulated supplementary pension rights and 55 percent of the deceased’s accumulated supplementary pension rights.

Calculation of basic pension

• When you are single, the full basic pension is 100 percent of the National Insurance basic amount (G), NOK 124,028 kroner.
• If you are cohabiting, the full basic pension is 90 percent of the National Insurance basic amount (G). This applies if your cohabitant receives disability benefit or their own pension or has an income exceeding NOK 248,056 (2G).

Other rules that affect survivor’s rights

• If both you and the deceased have national insurance period shorter than 40 years, the survivor's supplement will be reduced. The longer national insurance period will be applied.
• If you marry, you will forfeit the survivor’s rights. Your pension may also be reduced, because your own national insurance period will be applied.

Survivor’s rights if you are born 1954–1962

The survivor’s rights are the same as for persons born in 1944–1954, but you are only entitled to them for the part of the pension calculated by the old rules. 

Adjustment of the survivor's supplement

From 2024, the survivor's supplement in your pension will no longer be adjusted. The part of your pension that is based on your own accumulated rights will still continue to be adjusted annually. The survivor's supplement will be specified as a separate supplement on your payment. You will see that the survivor's supplement remains the same when the rest of your pension is adjusted on 1 May every year.

Born in 1954–1957 and started drawing retirement pension before 01/01/2020?

The survivor’s rights for retirement pension are calculated using both the old rules and the new rules.

From 2024, the survivor's supplement calculated by the old rules will no longer be adjusted. You will see that the survivor's supplement remains the same when the rest of your pension is adjusted on 1 May every year.

The survivor's supplement calculated by the new rules will be phased out. From 2024, this supplement will be reduced by an amount equivalent to the increase in your retirement pension. The supplement will therefore shrink every year and eventually cease. Once the supplement is eliminated, your retirement pension will increase as normal.

AFP in the private sector is paid in addition to retirement pension from National Insurance. You can opt to draw only AFP in the private sector, but you must first draw AFP in addition to at least a partial retirement pension (20%) for at least 1 month.

If you are not already drawing retirement pension from National Insurance, you must also apply for retirement pension in order to apply for AFP. The AFP application is part of the application form for retirement pension from National Insurance.

If you are already drawing retirement pension and would like to apply for AFP in the private sector, you can find the application form at afp.no or by contacting the AFP-scheme.

For persons born before 1963

If you are entitled to AFP in the public sector, you can draw this from the month after you turn 62, at the earliest. You can continue to draw AFP until the month you turn 67.

In order to draw AFP in the public sector, you must partially or fully retire. You cannot draw retirement pension from the National Insurance Scheme while also drawing AFP in the public sector. 

Remember that you must apply for retirement pension from the National Insurance Scheme when your AFP period expires. This is a requirement for continuing to receive a pension after turning 67.

Persons born in 1963 or later

For those born in 1963 or later, new rules apply to contractual pension (AFP) in the public sector.

Lifelong contractual pension in the public sector

• becomes a permanent pension that can be drawn from age 62
• can be drawn while working without AFP being reduced 
• can be drawn in addition to retirement pension from the National Insurance Scheme and occupational pension
• may impact how soon you can start to draw retirement pension from the National Insurance Scheme

If you combine employment with retirement pension, lose your job and register as a job seeker, you may be entitled to unemployment benefit. You can receive unemployment benefit and draw retirement pension at the same time. You can receive unemployment benefit until you turn 67.

If you work, you may be entitled to sickness benefit even if you have drawn retirement pension and private sector AFP.

If you are between the ages of 67 and 70, you may be entitled to sickness benefit for up to 60 days if your income exceeds NOK 248,056 (twice the National Insurance basic amount (G)).

The 60-day rule applies from the day after you turn 67 to the day before you turn 70.

If you have turned 70, you are not entitled to sickness benefit.

You can draw full retirement pension from Nav without reducing your AAP. You cannot receive AAP beyond the month you turn 67.

If you have lived in Norway less than 40 years and therefore will receive a small pension when you turn 67, you may be entitled to a supplementary benefit in addition to your retirement pension.

The supplementary benefit is an additional benefit you can apply for, to ensure a minimum level of combined income. How much you can get will depend, among other things, on whether you have other income, any pensions from other countries, wealth, and whether you live alone or with other adults.

Please contact Nav to clarify whether you should apply for supplementary benefit.

When you have exhausted all other potential sources for income, but it is not enough, you may be entitled to financial assistance. 

If you are receiving financial assistance or housing benefit and you are approaching retirement age, you should speak to your local Nav office.

If you live abroad and want to apply for retirement pension from Norway (in Norwegian), the processing may take longer than usual. If your application has not been processed by the month from which you applied to start drawing the pension, you may receive back payments.

If you are not able to apply digitally, your application for retirement pension must be submitted via mail.

If you have lived or worked in another country, you may be entitled to a pension from that country.

You should familiarise yourself with how to apply for a pension from another country well before you plan to start drawing the pension.

The minimum pension is adjusted every year based on the average of price and wage inflation, just like active retirement pension payments. 

If your pension is adjusted to be lower than the minimum pension rate, you will receive a supplement to your pension to put you at the same level as other recipients of minimum pension. This supplement is called a minimum level supplement. 

The annual minimum pension for singles will increase by NOK 6,000 from 1 May 2025. If the increase applies to you and you receive the full amount, it will be NOK 500 more per month.

Who can get an increase?

The increase applies to single persons receiving the minimum pension who were born before 1954 and have a retirement pension according to the old rules (Chapter 19 of the National Insurance Act).

If you were born 1954–1962, you will only get an increase in the part of the pension that is calculated according to the old rules.

Do you not have a 100 percent pension? Or do you have less than 40 years of National Insurance Scheme coverage because you have lived or worked in other countries? Then you will get a smaller increase, and for some it may mean that there will be no additional increase.

When will the money arrive?

The adjustment of the retirement pension will take place at the end of May. The pension increases with the average wage and price inflation, and then the increase for singles is added. You will see the new rate on the payment for June. Along with the payment in June, you will also receive a post-paid increase in pension for the month of May if you had a pension in May.

From 1 January 2024, new rules are implemented for survivor’s rights for retirement pension for those born in 1944 or later. The new rules entail that the survivor's right is specified as a separate supplement. This part of the pension will no longer be adjusted every 1 May with the rest of the pension.

Born in 1944–1953

From 2024, the survivor's supplement in your pension will no longer be adjusted. The part of your pension that is based on your own accumulated rights will still continue to be adjusted annually. You will see that the survivor's supplement remains the same when the rest of your pension is adjusted on 1 May every year.

Born in 1954–1962

From 2024, the survivor's supplement in your pension will no longer be adjusted. The part of your pension that is based on your own accumulated rights will still continue to be adjusted annually. The survivor's supplement will be specified as a separate supplement on your payment. You will see that the survivor's supplement remains the same when the rest of your pension is adjusted on 1 May every year.

Born in 1954–1957 and started drawing retirement pension before 01/01/2020?

The survivor’s rights for retirement pension are calculated using both the old rules and the new rules.

From 2024, the survivor's supplement calculated by the old rules will no longer be adjusted. You will see that the survivor's supplement remains the same when the rest of your pension is adjusted on 1 May every year.

The survivor's supplement calculated by the new rules will be phased out. From 2024, this supplement will be reduced by an amount equivalent to the increase in your retirement pension. The supplement will therefore shrink every year and eventually cease. Once the supplement is eliminated, your retirement pension will increase as normal.

Partial pension entail that you only draw part of your retirement pension, e.g. 20 percent. If you have a partial pension, the part of your pension that you have drawn, will be adjusted like all other active pension payments. The part of your accumulated pension rights you have not drawn, will be adjusted in accordance with wage inflation. 

Up to 2021, retirement pension was adjusted based on the average wage inflation in society, and then reduced by 0.75 percent. In 2021, a compensation was added for the adjustment in 2020, to ensure that the pension would be as high as if it had been adjusted based on the average of price and wage inflation. 

When you start drawing retirement pension, your income and your accumulated right up to and including the year before you start your draw will be the basis for your retirement pension. This means that when the income for last year is approved by the Tax Administration and may be applied in the calculation of pensions, your pension will increase, because another income year will be added to your basis.

Each additional year of earning an income could mean an additional year of pension rights, a higher earnings-related pension and an additional year to your national insurance period. You will receive a message from Nav in November/December if the new accumulated rights will lead to your pension increasing.

If you started drawing retirement pension in 2024, for example, your pension is calculated based on your accumulated rights through 2022. If you started drawing retirement pension in 2023, your pension was calculated based on your accumulated rights through 2021, and you then received a letter with information about the new rate from 01/01/2024 once the income for 2022 had been added.

Moving to an EU/EEA state

If you move to another EEA state, you can keep your retirement pension from National Insurance. You will receive the same payment as you would if you lived in Norway.

The exception is if you have been granted right as a young disabled person. If that applies to you, you can keep your retirement pension, but not the supplement you have been granted as a young disabled person.

Can I keep my membership in National Insurance?

If you move to another EEA country, the social security rules of this country will apply to you. This means you could lose your membership in National Insurance.

In some cases, you can apply for a voluntary membership in National Insurance.

Read more about National Insurance membership during stays in the EEA or Switzerland

Health service coverage

You will normally have the right to health service coverage in your country of residence in accordance with the rules that apply there.

Read more about coverage of medical expenses when you move to another EEA state at helsenorge.no.

Moving to a country with which Norway has a social security agreement? In these situations, you can normally keep your retirement pension from National Insurance without any reductions.

It is important that you contact Nav to find out how much of your pension you can keep before you move abroad.

Which countries does Norway have a social security agreement with?

Norway has social security agreements with the following countries: Australia, Bosnia-Herzegovina, Canada and Quebec Province, Chile, India, Israel, Montenegro, Serbia, United Kingdom, South Korea, Turkey and the United States.

Are you a young disabled person?

If you have been granted rights as a young disabled person, you can keep the supplement if you move to Bosnia-Herzegovina, Serbia, Montenegro, Turkey, Quebec and, in some cases, the United Kingdom.

Are you a refugee?

Your right to keep your retirement pension is limited if you move out of Norway. If you have been granted retirement pension in accordance with the special rules for refugees, you can keep your retirement pension if you move to Bosnia-Herzegovina, Serbia, Montenegro, Quebec, United Kingdom, Turkey and the United States.

Can I keep my membership in National Insurance?

If you move to another country, you may lose your National Insurance membership. You can apply for a voluntary membership. This is an option if you have lived in Norway at least 30 years after you turned 16, and at least 10 of those years immediately preceded your move abroad.

Health service coverage

You must apply for voluntary National Insurance membership to be entitled to coverage expenses incurred in connection with health services. Read more about coverage of medical expenses when you live in a country outside the EEA at helsenorge.no. 

Different rules apply to persons born before 1963 and to persons born in 1963 and later. These are the main rules for being able to keep the pension when moving abroad. 

Born before 1963

You must have lived in Norway for at least 20 years between the ages of 16 and 67 to keep the same pension if you move to another country. If your residence in Norway is shorter than 20 years, your pension may be reduced if you move out of Norway.

Special rules apply if your pension is calculated based on rules for refugees or rights as a young disabled person.

If you were born between 1954 and 1962 and you have an income pension, you can expect to keep this part of the pension even if you move out of Norway. Your pension calculation will specify whether or not you have an income pension.

Born in 1963 or later

Your retirement pension may be divided into income pension and guarantee pension.

The income pension you have accumulated will continue to be paid even if you move out of Norway.

In order to keep the guarantee pension when you move to another country, a residence period in Norway of at least 20 years between the ages of 16 and 67 is required. 

Please contact Nav for more information about the rules that apply to your situation.