{"componentChunkName":"component---src-templates-default-page-template-index-tsx","path":"/en/financial-adviser/work/incapacitated-for-work","result":{"data":{"aemPage":{"title":"Incapacitated for work | Financial adviser from A to Z - DNB","template":"information","language":"en","lastModified":1782459209250,"path":"/en/financial-adviser/work/incapacitated-for-work","id":"40715a94-fbb3-5b39-b45e-196e8cc1b3d3","data":{"parentPages":[{"path":"/en/financial-adviser/work","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/theme-page-v2","jcr_title":"Work","name":"arbeid","language":"en"}}},{"path":"/en/financial-adviser","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/theme-main-page-v2","jcr_title":"Financial adviser","name":"okonomisk-radgiver","language":"en"}}},{"path":"/en","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/home","jcr_title":"Home Norwegian","name":"en","language":"en"}}}],"properties":{"resolvedInheritValues":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"CHATBOT\",\"id\":\"5a030cbe-dcd3-4f0f-b6a0-b9c8deb88ced\",\"icon\":\"aino_medium\",\"title\":\"Chat with Aino\",\"value\":false},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"7aa30416-e815-4bac-a67b-7c8267ac35d1\",\"icon\":\"support_medium\",\"title\":\"Help and guidance\",\"value\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/help-and-guidance\",\"href\":\"/en/help-and-guidance\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"dd837bd8-b41a-4bc0-84f5-bae720b6e951\",\"icon\":\"location_medium\",\"title\":\"Find your DNB office\",\"value\":{\"path\":\"/content/dnb/open/en/about-us/offices\",\"href\":\"/en/about-us/offices\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"a3f21d7e-96c1-4e12-9d08-5b3036169f0a\",\"icon\":\"calendar_medium\",\"title\":\"Make an appointment\",\"value\":{\"path\":\"/content/dnb/open/en/help-and-guidance/meeting-booker\",\"href\":\"/en/help-and-guidance/meeting-booker\"}}]},\"customerSegment\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"segment\":\"private\"}}","custom":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"inheritance\":\"PARENT\",\"hidden\":[],\"items\":[]},\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"searchKeywords\":\"\",\"title\":\"Incapacitated for work | Financial adviser from A to Z - DNB\",\"isTranslated\":true}","ootb":{"description":"What happens to your finances if you become incapacitated for work? 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Within the scheme, you may be covered by various insurance policies.</p><p>You must be on sick leave for at least 20% for 12 months before the insurance takes effect, when your entitlement to sickness benefit from Nav (the Norwegian Labour and Welfare Administration) ceases.</p><span>Waiver of contribution/Premium waiver</span><p>Employers are legally required to insure their employees with waiver of contribution, also known as waiver of premium. This means that we take over the payments to your retirement pension that your employer previously paid.</p><p>Payments to your retirement pension are made according to your degree of incapacity for work. The retirement pension can be paid out at the earliest from the age of 62.</p><span>Disability pension</span><p>Some employers choose to insure their employees with a disability pension in the pension scheme.</p><p>Disability pension is a monthly payout that is intended to compensate for part of the lost employment income as a result of illness or an insured event.</p><p>The disability pension represents a certain percentage of the salary you are registered with in the pension scheme. The salary basis does not normally include overtime, bonuses or other salary supplements.</p><p>The disability pension is subject to tax in the same way as ordinary salary, and it is not a requirement that you must have disability benefit from Nav (the Norwegian Labour and Welfare Administration) to be granted a disability pension.</p><span>Child supplement for disability pensions</span><p>In addition to disability pension, you may also be insured with children's benefit for each child you support who is under 18 or 21 years of age. Children's benefit is paid even if the child does not live with you.</p><span>Paid-up policies result in reduced disability pension</span><p>If you have disability pension from one or more paid-up policies, it will be deducted from the disability pension you receive from your employer's pension scheme. This applies regardless of whether the paid-up policy comes from another employer or if you hold the paid-up policy with another insurance company. The same applies to the entitlement to disability pension you have from a public service pension scheme. The reduction in the payout of disability pension is determined by the authorities.</p><span>Reduction of disability pension from employer if you receive work assessment allowance</span><p>According to Norwegian law, a reduction must be made in the payout of disability pension from the pension scheme if you receive work assessment allowance. This is because the combined total of the calculated work assessment allowance from NAV (the Norwegian Labour and Welfare Administration) and pension from the pension scheme must not exceed 70% of the salary you are registered with in the pension scheme.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Group paid-up policy\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>A paid-up policy is the accrued pension you take with you from a previous employer when you leave a defined benefit pension scheme.</p><span>Disability pension</span><p>If you have disability pension as a coverage on the paid-up policy, you must be at least 20% on sick leave for at least 12 months before the disability pension can be paid out. This means that it is granted after the entitlement to sickness benefit from NAV (the Norwegian Labour and Welfare Administration) ceases. Disability pension is a monthly payout that must compensate for part of the lost employment income as a result of illness or an insured event.</p><p>The disability pension is subject to tax in the same way as income. It is not a requirement that you must have disability benefit from NAV (the Norwegian Labour and Welfare Administration) in order to be granted disability pension from us.</p><p>Read more about <span>paid-up policy</span>.</p><span>Child supplement for disability pensions</span><p>In addition to disability pension, you may also be insured with children's benefit for each child you support who is under 21 years of age. Children's benefit is paid even if the child does not live with you.</p><span>Were you ill when you left your previous employer?</span><p>If you have been continuously on sick leave since you left your previous employer and the paid-up policy was issued, it may be that you are still insured with waiver of premium or disability pension even if these insurance coverages are not stated on the paid-up policy. You cannot be removed from your employer's pension scheme if you are ill and incapacitated for work.</p><p>When we process the case, we will check whether the paid-up policy was issued whilst you were ill. If so, you will be re-enrolled in the pension scheme and granted the insurance coverages you had there.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Pension capital certificate\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>A pension capital certificate is accrued pension savings that your previous employer has paid in for you during the time you were employed. A pension capital certificate is issued if your employer had a defined-contribution pension. The funds are paid out as retirement pension from the age of 62 at the earliest. A pension capital certificate contains no coverage in the event of disability.</p><span>Were you ill when you left your previous employer?</span><p>If you have been continuously on sick leave since you left your previous employer and received the pension certificate, you may still be covered by waiver of premium or disability pension. You cannot be removed from your employer's pension scheme when you are ill and incapacitated for work.</p><p>When we process your case, we will investigate whether you were removed from the pension scheme whilst you were ill. If so, you will be re-enrolled in the pension scheme and granted the insurance cover you had there.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Personal insurance\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Read more about our <span>personal insurance policies</span>. </p><span>Disability annuity</span><p>Disability annuity is a monthly payment that compensates for part of the lost employment income as a result of illness or an insured event.</p><p>A requirement of at least 50% incapacity for work is often required for disability annuity to be granted. Typically, you must also be on sick leave for at least 12 months before payments can begin, but some policies may start payments after just three months.</p><p>Only 20% of the payment is subject to tax, and there is no requirement that you must have a disability benefit from Nav (the Norwegian Labour and Welfare Administration) in order to be granted a disability annuity.</p><span>Capital disability</span><p>Capital disability is a lump-sum payment in the event of permanent incapacity for work. The insured sum can be paid out when you are at least 50% permanently incapacitated for work, typically no earlier than two years after you became ill.</p><p>If you meet the conditions, the entire insured sum is paid out regardless of your degree of incapacity for work. The payment is tax-free and you can use it according to your own needs.</p><span>Critical illness</span><p>Critical illness is a lump-sum payment if you become seriously ill with one of the illnesses covered by the policy and in accordance with the specified conditions.</p><p>If you meet the conditions, the entire insured sum is paid out. The payment is tax-free and you can use it according to your own needs.</p><span>Waiver of premium</span><p>Waiver of premium means that the insurance company pays the insurance premium for you.</p><p>You must usually be at least 50% incapacitated for work to be granted waiver of premium, and the premium waiver can be granted after three or 12 months of sick leave certificate.</p><p>The size of the premium waiver depends on the extent to which your ability to work and earn income is reduced.</p>\\\"}}]}\"]"},"content":"{\"sections\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"description\":\"What happens to your finances if you become incapacitated for work? 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You will find, among other things, policies you have through your current or previous employer, your personal insurance policies, and the cover you have on each of these.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"a87c9726c-a115-430f-8ac0-3a99384b3ae8\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When must I report that I am incapacitated for work?\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have disability insurance privately or through your employer, you may have entitlements in the event of illness or an insurance claim. You may also have entitlements if you have critical illness cover and are diagnosed with one of the serious illnesses covered by the policy. It is important that you notify us yourself that you are ill.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"We recommend that you contact us when your entitlement to payments from the insurance begins. For most disability insurance policies, this applies when sickness benefits from Nav (the Norwegian Labour and Welfare Administration) cease after 12 months of sick leave, but some private insurance policies may provide entitlements after three months. There is no requirement for disability benefit to have been granted by Nav (the Norwegian Labour and Welfare Administration) in order to receive any payments from the insurance.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"subtitle\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check if you have insurance through work\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have suffered an insurance event or illness in connection with work, in addition to reporting the claim yourself, you should ask your employer to report the incident.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Employers will often send us notification of long-term sick employees if they have their pension scheme with us. In such cases, we contact the employee by SMS or letter.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"ac53c30a1-4146-4cab-9f68-3ad5c8307bf9\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"How to apply for compensation in the event of illness\",\"isTranslated\":true,\"process\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Log in and fill in self-declaration\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For security reasons, you must be logged in to the online bank to complete the self-declaration you need to send to us. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You start by reporting an insurance claim for personal insurance. \",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you fill in the self-declaration, we ask you for \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Personal details\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Information about your disability, such as the cause of the disability, first day of sick leave, first doctor's visit\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Information about whether you have received support from NAV (the Norwegian Labour and Welfare Administration)\",\"isTranslated\":true}]}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Do you have any other information for us? 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The retirement pension can be paid out at the earliest from the age of 62.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Disability pension\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Some employers choose to insure their employees with a disability pension in the pension scheme.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Disability pension is a monthly payout that is intended to compensate for part of the lost employment income as a result of illness or an insured event.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The disability pension represents a certain percentage of the salary you are registered with in the pension scheme. The salary basis does not normally include overtime, bonuses or other salary supplements.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The disability pension is subject to tax in the same way as ordinary salary, and it is not a requirement that you must have disability benefit from Nav (the Norwegian Labour and Welfare Administration) to be granted a disability pension.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Child supplement for disability pensions\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In addition to disability pension, you may also be insured with children's benefit for each child you support who is under 18 or 21 years of age. Children's benefit is paid even if the child does not live with you.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Paid-up policies result in reduced disability pension\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have disability pension from one or more paid-up policies, it will be deducted from the disability pension you receive from your employer's pension scheme. This applies regardless of whether the paid-up policy comes from another employer or if you hold the paid-up policy with another insurance company. The same applies to the entitlement to disability pension you have from a public service pension scheme. The reduction in the payout of disability pension is determined by the authorities.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Reduction of disability pension from employer if you receive work assessment allowance\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"According to Norwegian law, a reduction must be made in the payout of disability pension from the pension scheme if you receive work assessment allowance. This is because the combined total of the calculated work assessment allowance from NAV (the Norwegian Labour and Welfare Administration) and pension from the pension scheme must not exceed 70% of the salary you are registered with in the pension scheme.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Group paid-up policy\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A paid-up policy is the accrued pension you take with you from a previous employer when you leave a defined benefit pension scheme.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Disability pension\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have disability pension as a coverage on the paid-up policy, you must be at least 20% on sick leave for at least 12 months before the disability pension can be paid out. This means that it is granted after the entitlement to sickness benefit from NAV (the Norwegian Labour and Welfare Administration) ceases. Disability pension is a monthly payout that must compensate for part of the lost employment income as a result of illness or an insured event.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The disability pension is subject to tax in the same way as income. It is not a requirement that you must have disability benefit from NAV (the Norwegian Labour and Welfare Administration) in order to be granted disability pension from us.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Read more about \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"paid-up policy\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/pensjon/fripoliser\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/pensjon/fripoliser\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Child supplement for disability pensions\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In addition to disability pension, you may also be insured with children's benefit for each child you support who is under 21 years of age. Children's benefit is paid even if the child does not live with you.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Were you ill when you left your previous employer?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have been continuously on sick leave since you left your previous employer and the paid-up policy was issued, it may be that you are still insured with waiver of premium or disability pension even if these insurance coverages are not stated on the paid-up policy. You cannot be removed from your employer's pension scheme if you are ill and incapacitated for work.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When we process the case, we will check whether the paid-up policy was issued whilst you were ill. If so, you will be re-enrolled in the pension scheme and granted the insurance coverages you had there.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Pension capital certificate\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A pension capital certificate is accrued pension savings that your previous employer has paid in for you during the time you were employed. A pension capital certificate is issued if your employer had a defined-contribution pension. The funds are paid out as retirement pension from the age of 62 at the earliest. A pension capital certificate contains no coverage in the event of disability.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Were you ill when you left your previous employer?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have been continuously on sick leave since you left your previous employer and received the pension certificate, you may still be covered by waiver of premium or disability pension. You cannot be removed from your employer's pension scheme when you are ill and incapacitated for work.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When we process your case, we will investigate whether you were removed from the pension scheme whilst you were ill. If so, you will be re-enrolled in the pension scheme and granted the insurance cover you had there.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Personal insurance\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Read more about our \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"personal insurance policies\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/forsikring/personforsikring\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/forsikring/personforsikring\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Disability annuity\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Disability annuity is a monthly payment that compensates for part of the lost employment income as a result of illness or an insured event.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A requirement of at least 50% incapacity for work is often required for disability annuity to be granted. Typically, you must also be on sick leave for at least 12 months before payments can begin, but some policies may start payments after just three months.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Only 20% of the payment is subject to tax, and there is no requirement that you must have a disability benefit from Nav (the Norwegian Labour and Welfare Administration) in order to be granted a disability annuity.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Capital disability\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Capital disability is a lump-sum payment in the event of permanent incapacity for work. The insured sum can be paid out when you are at least 50% permanently incapacitated for work, typically no earlier than two years after you became ill.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you meet the conditions, the entire insured sum is paid out regardless of your degree of incapacity for work. The payment is tax-free and you can use it according to your own needs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Critical illness\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Critical illness is a lump-sum payment if you become seriously ill with one of the illnesses covered by the policy and in accordance with the specified conditions.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you meet the conditions, the entire insured sum is paid out. The payment is tax-free and you can use it according to your own needs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Waiver of premium\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Waiver of premium means that the insurance company pays the insurance premium for you.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You must usually be at least 50% incapacitated for work to be granted waiver of premium, and the premium waiver can be granted after three or 12 months of sick leave certificate.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The size of the premium waiver depends on the extent to which your ability to work and earn income is reduced.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}}],\"_meta\":{\"id\":\"faqs\",\"anchorId\":\"a95bd0bc6-c5d8-431c-9695-f76b5652ddde\"}}]}"}},"homeLinks":{"mainHomepageUrl":{"path":"/content/dnb/open/en","anchorText":null},"corporateHomepageUrl":{"path":"/content/dnb/open/en/business","anchorText":null}},"navMenu":{"menu":{"tabs":[{"url":{"path":"/content/dnb/open/en","anchorText":null},"customerSegment":"private","title":"Personal","links":[{"url":{"path":"/content/dnb/open/en/loans","anchorText":null},"title":"Loans","description":"Are you buying a home, a car or other items? Here you’ll find good advice and solutions when you need a loan."},{"url":{"path":"/content/dnb/open/en/saving","anchorText":null},"title":"Saving","description":"See our great savings products and find out if you want to save on accounts, in mutual funds or buy shares."},{"url":{"path":"/content/dnb/open/en/insurance","anchorText":null},"title":"Insurance","description":"Insure yourself, your family and your values and you’ll have one less worry if anything should happen."},{"url":{"path":"/content/dnb/open/en/pension","anchorText":null},"title":"Pensions","description":"Find out more about pensions and what measures you can take to influence your pension."},{"url":{"path":"/content/dnb/open/en/card","anchorText":null},"title":"Cards","description":"Our cards are adapted to most phases of life. Read more about the different cards, the programmes and the benefits associated with the cards."},{"url":{"path":"/content/dnb/open/en/everyday-banking","anchorText":null},"title":"Everyday banking","description":"We offer a complete range of banking services through mobile banking, online banking and bank branches."},{"url":{"path":"/content/dnb/open/en/real-estate","anchorText":null},"title":"Real estate","description":"Selling a home? DNB Eiendom is Norway’s leading real estate agent."},{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme","anchorText":null},"title":"Customer loyalty programme","description":"Benefits and unique experiences from our partners."}],"label":"To the front page"},{"url":{"path":"/content/dnb/open/en/business","anchorText":null},"customerSegment":"corporate","title":"Business","links":[{"url":{"path":"/content/dnb/open/en/business/become-a-customer","anchorText":null},"title":"Become a corporate customer","description":"Establishment is free of charge."},{"url":{"path":"/content/dnb/open/en/business/daily-banking","anchorText":null},"title":"Everyday banking","description":"Payment, card, account and digital services."},{"url":{"path":"/content/dnb/open/en/business/financing","anchorText":null},"title":"Financing","description":"Financing solutions for all needs."},{"url":{"path":"/content/dnb/open/en/business/pensions","anchorText":null},"title":"Pensions","description":"Meet the statutory requirements and give your employees the best opportunity for a secure future."},{"url":{"path":"/content/dnb/open/en/business/insurance","anchorText":null},"title":"Insurance","description":"Cover the statutory requirements and stay ahead if anything should happen."},{"url":{"path":"/content/dnb/open/en/business/investing","anchorText":null},"title":"Investing","description":"Everything about investments, shares, funds and currencies."},{"url":{"path":"/content/dnb/open/en/business/industry-expertise","anchorText":null},"title":"Industry expertise","description":"Unique insights and experience."},{"url":{"path":"/content/dnb/open/en/business/a-z","anchorText":null},"title":"Business from A to Z","description":"Tips and advice on starting and running a business."}],"label":"To the main page for Business"}],"bottomLinks":[{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme/private-banking","anchorText":null},"corporateUrl":null,"title":"Private Banking"},{"url":{"path":"/content/dnb/open/en/markets","anchorText":null},"corporateUrl":null,"title":"DNB Carnegie"},{"url":{"path":"www.dnb.no/dnbnyheter","anchorText":null},"corporateUrl":null,"title":"DNB Nyheter"},{"url":{"path":"/content/dnb/open/en/help-and-guidance","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/help-and-guidance","anchorText":null},"title":"Help and guidance"},{"url":{"path":"/content/dnb/open/en/about-us","anchorText":null},"corporateUrl":null,"title":"About us"}]}},"footer":{"websites":{"title":"DNB Websites","links":[{"text":"DNB Eiendom (DNB Real Estate)","url":{"path":"dnbeiendom.no/","anchorText":null},"ariaLabel":"Gå til DNB Eiendom"},{"text":"#girlsinvest","url":{"path":"/content/dnb/open/no/okonomisk-radgiver/huninvesterer","anchorText":null},"ariaLabel":"Go to #Girlsinvest"},{"text":"DNB Tech Blog","url":{"path":"www.dnbtech.no/","anchorText":null},"ariaLabel":"Gå til "}]},"international":{"title":"International","links":[{"text":"DNB Luxembourg","url":{"path":"www.dnb.no/lu/en","anchorText":null},"ariaLabel":"Gå til DNB Luxembourg"},{"text":"DNB Sweden","url":{"path":"www.dnb.se/","anchorText":null},"ariaLabel":"Gå til DNB Sverige"},{"text":"DNB Denmark","url":{"path":"www.dnb.dk/","anchorText":null},"ariaLabel":"Gå til DNB Danmark"}]},"social":{"title":"Social media","links":[{"ariaLabel":"Gå til DNB på Facebook","url":{"path":"www.facebook.com/dnb/","anchorText":null},"icon":"facebook"},{"ariaLabel":"Gå til DNB på Youtube","url":{"path":"www.youtube.com/user/DNB","anchorText":null},"icon":"youtube"}]},"corporateDetails":[{"header":"Head office","text":["Dronning Eufemias gate 30","0191 Oslo, Norway"]},{"header":"Postal address","text":["DNB","PO Box 1600 - Sentrum","0021 Oslo"]},{"header":"Org. no.","text":["DNB Bank ASA","984 851 006"]}],"privacy":[{"text":"Terms of use","url":{"path":"/content/dnb/open/en/about-us/general-terms","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Terms of Use"},{"text":"Data protection","url":{"path":"/content/dnb/open/en/about-us/privacy-policy","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Personal Privacy"},{"text":"Cookies","url":{"path":"www.dnb.no/en/about-us/privacy-policy/cookies","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Cookies"},{"text":"Price list","url":{"path":"/content/dnb/open/en/help-and-guidance/price","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/prices","anchorText":null},"ariaLabel":"Go to price list"},{"text":"Compare our prices with other companies at Finansportalen.no","url":{"path":"www.finansportalen.no","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Finansportalen"},{"text":"Work for us","url":{"path":"/content/dnb/open/en/about-us/careers","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Work for us"}],"changeLanguage":{"text":"Norsk","url":{"path":"/content/dnb/open/no","anchorText":null},"ariaLabel":"Go to DNB Norwegian pages"},"copyright":"DNB","toTopLabel":"To the top","homeLinkAriaLabel":"Go to DNB homepage"},"login":{"title":"Log in to online bank","intro":"Type your Norwegian national identity number (11 digits).\n\nCorporate customers can log in using their user ID, or with Norwegian national identity number (11 digits) and then change view from personal banking to corporate once logged in.","uidPlaceholder":"Type your user ID","invalidUidError":"Unknown or invalid user ID","invalidUidSsnOnlyError":"Invalid user ID. Use national identity number","invalidUidCorpOnlyError":null,"loginButtonLabel":"Log in","helpButtonAriaLabel":"Help text","closeButtonLabel":"Close","helpTitle":"Help for logging in","helpContent":"[{\"type\":\"paragraph\",\"children\":[{\"text\":\"You can log in using your Norwegian national identity number (11 digits) or another user ID issued by the bank.\"}]},{\"type\":\"paragraph\",\"children\":[{\"type\":\"link\",\"link\":{\"url\":\"/content/dnb/open/en/help-and-guidance/log-in\",\"openInNewTab\":false},\"children\":[{\"text\":\"See different methods for logging in and explanation of error messages\"}]}]}]","loginMenuButtonLabel":"Log in","loggedInLoginMenuButtonLabel":"To online bank"},"search":{"searchMenuButtonLabel":"Search","searchEnabled":true,"searchPageUrl":{"path":"/content/dnb/open/en/search","anchorText":null},"corporateSearchPageUrl":{"path":"/content/dnb/open/en/business/search","anchorText":null}}},"pageContext":{"language":"en"}},"staticQueryHashes":["2967044098"]}