If you change jobs, you may still be entitled to pension from us

If you change jobs and are no longer working for an employer that has an occupational pension scheme with the Norwegian Public Service Pension Fund (SPK), you are no longer a member. However, you may still be entitled to a future retirement- and disability pension from us, as well as a dependants' pension.

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Retirement pension

As a former member you may be entitled to a future retirement pension from us if you meet the minimum required membership period. If we have your contact details, we will inform you of your rights before you reach the age limit for retirement pension.

Disability pension

If you have at least three years of membership in SPK (and other public pension schemes), and you have applied for disability benefit from NAV, you may be entitled to disability pension from SPK. (in Norwegian).

Financial support for dependants

Surviving relatives (spouse and children) may be entitled to a dependants' pension if you have had a membership in SPK and other public pension schemes for at least three years through previous employment. 

When you no longer work for an employer that has an occupational pension scheme with SPK

  • You will no longer be entitled to contractual early retirement pension (AFP) from us. 
  • If you have a housing loan with us, the mortgage rate will increase with two percent. 
  • You will no longer have occupational injury insurance or group life insurance with SPK. Check with your new employer which insurances they provide.
  • Your pension may be calculated differerently from how it is calculated if you continued to be a member of SPK, as different rules apply. 

If you change jobs within the public sector your pension is automatically transferred

Employees of the municipality, region and the state, in addition to employers within the public health sector and the education sector, all have a public occupational pension scheme. A majority of these pension schemes have an agreement for transferring pension rights. Your pension will therefor automatically be transferred when you change employer.

This means that all pension accumulated from employment in the public sector will be paid by the last pension scheme you were a member of. They will calculate and pay out your pension from previous employers – keeping it simple for you.

List of occupational pension schemes that partake in the Pension Transfer Agreement. 

If you change jobs and start working for an employer in the private sector your pension will be preserved

If you change jobs and start working in the private sector, the pension you have earned so far will be preserved and held in the scheme until you claim it, or you reach retirement age.

If you later in your career start working for an employer with an occupational pension scheme, you will continue earning and increasing your pension already in the scheme.