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PENSION
Starting pension payment from NAV prior to 67 years of age for foreigners and Norwegians that have worked abroad.
In order to start withdrawal of pension from NAV prior to the age of 67 years of age one need to have pension capital that gives a yearly payment of minimum 2G (approx. NOK. 200.000,-) per annum.

Quite a few foreigners, and Norwegians which have worked abroad for a period, will not have enough pension capital in NAV to take out pension from 62, or prior to 67, due to the above.

However, pension rights abroad (EU/EEC) can be included by prioritization:

Earnings in countries with which Norway has a social security agreement (and indeed the EU/EEA) must be included in the calculation when the minimum pension level is to be set. It's called prioritization. This is done by reducing the minimum requirement for the pension's size at the age of 67 proportionally when there is pension accrual in one or more such agreement countries.

 In practice, the minimum requirement is reduced by multiplying the full minimum requirement by a fraction where the vesting period in Norway is the numerator and the sum of the vesting period in Norway, and the agreement country is the denominator. This means that a prioritization of the guarantee pension level is made based on social security time in Norway and social security time in agreement countries. For example, 20 years of service abroad and 20 years of service in Norway gives the fraction 20/40. In other words, the requirement for a pension at age 67 has been halved.

 This makes it easier to fulfill the condition for early withdrawal for persons who have earned social security time in an agreement country. The way the rule works is that the lower the insurance period in Norway is in relation to the agreement country's total insurance period, the lower the guarantee pension level requirement is at 67 years.

 But NAV must get information about earning abroad, as they do not have access to that information. It must, therefore, be documented. The easiest way is to contact NAV to know precisely what kind of documentation is required from the country in question.

There is more information here (old National Insurance): 
https://lovdata.no/nav/rundskriv/r19-00#KAPITTEL_2-12 (unfortunately only in Norwegian)
and here (new National Insurance):
 https://lovdata.no/nav/rundskriv/r20-00#ref/lov/1997-02-28-19/%C2%A720-15 (unfortunately only in Norwegian)

 

NB!

Remember that Industri Energi offers pension advise for member from 57 years of age:

https://www.industrienergi.no/nyhet/pensjon-sorg-for-at-du-gjor-de-smarte-valgene-benytt-deg-av-pensjonsradgivningen-var/ (unfortunately only in Norwegian)

Industri Energi also have a “pension telephone” that one can call regardless of age:

https://www.industrienergi.no/nyhet/industri-energi-lanserer-gratis-pensjonstelefon-for-medlemmene/ (unfortunately only in Norwegian)

Med vennlig hilsen / yours sincerely

SAIPEM EMPLOYEES ASSOCIATION

de Vries, Robert Jaques

Leder / manager



   
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