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Contractual pension in the private sector (AFP)

What is AFP?

AFP is a collectively agreed pension scheme in the private sector. The scheme provides a lifelong supplement to the retirement pension from the National Insurance Scheme (alderspensjon fra folketrygden). To be eligible, you must be at least 62 years old and fulfil the requirements laid down by the statutes. You can draw AFP while you continue to work.

In order for employees to be covered by the AFP Scheme, their company must be party to a collective agreement to which the AFP Scheme is an appendix. If an agreement of this nature has been established, as a general rule, all the employees, will be covered by the AFP Scheme.

The AFP-scheme is finance by both the affiliated companies and The Norwegian government. Rules and requirements regarding conditions for pension rights and for the financing of the scheme are laid down by the AFP-statutes. Be aware that the statutes and regulations pertaining the AFP scheme are subject to change, and the statutes and regulations at the time of the application determine whether the applicant fulfils the criteria or not.

In the event of disputes regarding interpretation of the Statutes, the Norwegian text will take precedence.

More information

For more information you can contact Fellesordningen for AFP at +47 22 98 98 00.

Questions from applicants
For questions regarding employees’ entitlement you can also send an e-mail to afp@afp.no.

Questions from companies
For questions regarding membership, calculation of premiums, invoices etc. you can send an e-mail to faktura@afp.no.