Retirement pension

Contractual pension (AFP)

Contractual pension (AFP) is an early retirement scheme for those born in 1962 or earlier. The scheme applies to those who are public employees and want to work reduced hours or retire when you are between 62 and 67 years old. For those of you who were born in 1963 or later, the regulations have not yet been agreed.

Are you entitled to AFP?

The most important thing about AFP is to determine whether you are entitled to this benefit or not. In short, you are entitled to AFP if you work in the public sector, or in a company with membership in SPK, which has also entered into a collective agreement that includes AFP.

The rules for AFP are different for those born in 1962 or earlier, and for those born in 1963 or later. The rules for the age group born in 1963 and later have not been completely settled. We will update this page when we have clarified the last parts.

How to apply for a contractual pension for you born in 1962 or earlier

Applying for a contractual pension consists of two parts; a part that your employer has to fill in, and a part that you have to fill out.

This is the process

  1. Agree on a retirement date with the employer. If you want to continue in a part-time position, you must also agree on a position percentage.
  2. Your employer must then send us a pension notification no later than two months before the month in which the pension is to start.
  3. Then you must fill in the information form regarding your contractual pension, which is available at www.nav.no. Send the form to NAV no later than two months before the month in which the pension is to start. The form must only be submitted when applying for a contractual pension for the first time.
  4. Once everything has been submitted and the application approved, the contractual pension will be paid out monthly. The pension always starts on the first of the month.

Please note that the application for a contractual pension is not complete until the employer has submitted a notification of pension (item 2) and the information form has been completed and sent to NAV (item 3).

Important to know:

  • If the application is for a contractual pension between the ages of 62 and 65, NAV calculates the pension, follows up the case and pays out the pension.
  • If the application is for a contractual pension from the age of 65, it is SPK that calculates the pension. The actual payment is however still made via NAV.

SPK's calculation of a full contractual pension, if you have full earnings, will amount to 66 percent of your pension base. To receive SPK's calculation of contractual pension from the age of 65, you must have been a member of SPK or other public occupational pension schemes for at least 10 years after you turned 50.

Please note that you must report income changes when you receive a contractual pension. You can do this via the contact form on My page.