AFP for you born in 1962 or earlier

The contractual early retirement pension (AFP) is intended as a benefit to cover for lost income over a period of time. This means that to receive AFP pension, you must stop working completely or partially. AFP can be taken at the earliest in the month after you turn 62 years.

Below is an overview of the conditions you must meet to receive the AFP pension in the public sector.

Conditions for receiving the AFP pension:

• As a general rule, you must work in a membership-required position (minimum 20 percent) right up until you retire with AFP. (Full leave or exemption from work duties counts as a break in a membership-required position. Sick leave is not considered a break as long as you receive sick pay.)
• You must have had at least 10 years of income exceeding 2 National Insurance scheme basic amounts (referred to as "G") AND have had an income of at least 1 G (a little over 124,000 kroner) in the two years prior to retiring with AFP. (If you retire with AFP mid-year, we calculate how much salary you would have received if you had worked the entire calendar year.)
  
  AND IN ADDITION TO THE ABOVE REQUIREMENTS
  
  
• EITHER have been a member of the Norwegian Public Service Pension Fund (SPK) for 10 years after the age of 50
• OR have had 10 years of earnings in the national insurance scheme (NAV) with an income of at least 1 G after the age of 50

In addition to the basic requirements above, you must:

• have stopped any benefits from The Norwegian Labour and Welfare service (NAV) such as retirement pension or survivor's pension. These benefits cannot be provided simultaneously with the AFP pension

* G is the National Insurance scheme basic amount (G)

Full or partial contractual early retirement pension (AFP)

• You can take out full AFP pension as long as you stop working completely and no longer have any employment income. If you do not stop working completely, you must meet certain conditions to qualify for partial AFP pension.
• You can take out partial AFP pension as long as you reduce your position by at least 10 percent AND the remaining position percentage constitutes at least 60 percent of a full-time position. Both conditions must be met in the first month for you to be eligible for partial AFP pension. If you reduce your position by less than 10 percent or continue working in less than 60 percent of a full-time position, you are not entitled to the AFP pension.
• The amount you receive in AFP pension depends on your income. Read more about the AFP pension and income here.

Change of position percentage

If you have had the AFP pension for a month or more, you are free to increase or decrease your position percentage as you wish, provided your employer agrees. Just make sure to keep NAV and The Norwegian Public Service Pension Fund (SPK) informed about your income. Read more about the contractual early retirement pension (AFP) and income here.

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.

This happens at 67 years old

At the age of 67, we automatically convert your AFP pension to a regular retirement pension. Therefore, you do not need to apply for a retirement pension from us if you already have the AFP pension. However, you must apply for a retirement pension from NAV (Folketrygden) so that you receive a retirement pension from the National Insurance scheme (NAV) when you turn 67 years old.