Help with pensions
Here we’ve brought together some useful information for our pension scheme customers
Many people have questions about
Unable to log in?
You can then fill out the form manually.
Find correct form:
Long-term illness (incapacitated for work) (PDF, Norwegian)
The completed form should be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Long-term illness (incapacitated for work), death, accident, occupational illness or occupational injury can be reported in the corporate online bank.
How to do it:
Log in and click on Defined-contribution pension
Click on Employees in the agreement
Tick which employee it applies to
Click on Report damage or injury
Select the type of event and click to continue
Add a new employee
New employees must be added to the pension scheme from the first day of employment.
To be covered by the waiver of contribution/waiver of premium and any other risk coverage, it’s required that the employee being added is 100 per cent able to work. Employees who aren’t 100 per cent able to work must be added to the savings section of the pension scheme.
It is the company’s responsibility to inform us whether the employee is fully fit to work or not.
How to do it:
Log in and click on Defined-contribution pensionClick on Employees in the agreement
Click on Submit
Fill out the information and click to continue
Remove employee
Employees who stop working at the company must be removed from the pension scheme from the termination date.
It’s assumed that the employee is fully able to work at the time of the removal.
If the employee is unwell at the time of the removal, the individual can be removed at a later date if he becomes fully able to work again.
Employees who are removed from the pension scheme will receive earned capital in the form of a paid-up policy or a pension capital certificate.
How to do it:
Log in and click on ‘Defined-contribution Pension’Click on ‘Employees in the agreement’
Tick which employee it applies to
Click on ‘Remove’ and click to continue
If a new employee joins or if an employee leaves, you can easily report this in the corporate online bank.
What do you want to do?
You can report any changes to the employee’s salary or FTE fraction in the corporate online bank.
The change should be reported as soon as the change has been made.
How to do it:
Log in and click on ‘Defined-contribution Pension’
Click on ‘Employees in the agreement’
Tick which employee it applies to
Click on ‘Change salary/position’
Change salary and FTE fraction and click to continue
Changes to invoices where there is a change of employee?
Changes to invoices will be included in the next planned invoice issue. If you have paid too much, the amount will be transferred to the agreement’s deposit and premium fund.
If your company is undergoing a change, for example by:
- changing the company type;
- merging of companies;
- demerging of companies;
- new owner/business transfer.
You can still keep the pension scheme with us.
How to do it:
Fill in and send us change of organisation number (PDF)
or
demerger/merger (PDF)The completed form should be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
If you would like to cancel the company’s pension agreement, you can send us this form by email topensjon.bedrift@dnb.no
The Portal
You’ll find the pension and personnel insurance portal in the corporate online bank.
The portal gives an overall view of:
- pension agreement
- invoicing
- annual costs.
- Reports
The portal is available in both English and Norwegian.
Access to the portal is granted via the form:
The completed form should be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 BergenAccess can also be given to the managing director, person with signature rights and/or power of procuration registered in Brønnøysund via phone or chat.
Tips
If you would like to remove a user in the portal. Call us on +47 23021172 or start a chat when logged in to the online bank
You can easily update the information about your employees by logging in to the portal.
You can update the FTE fraction or salary in two ways:
- Direct update: Recommended for businesses that have few updates during the year, and which don’t have more that 20 updates at once.
- Updating with an Excel file: Recommended for businesses that have several updates during the year, and more than 20 updates at once. This method is also suitable for companies that conduct an annual central pay settlement. A standard Excel file is downloaded in the corporate online bank, changed and then uploaded again in the portal.
- File transfer: submitting files from the payroll system. Using a file transfer from the payroll system, DNB receives payroll data by uploading an FNH Industry standard file to the portal. To get started with file transfers, call us on +47 23 02 11 72. You can read more about file transfers in the user guide.
We have a separate portal guide for pension managers, HR managers or corporate managers.
Invoicing
You can find the invoice documentation in the inbox in the pension agreement portal.
Invoices are sent once a month, 14 days before the due date. This applies to direct debits, EHF invoices and giros.
The invoice must be paid every month. Then your employees will have the money paid into the pension account.
The advantage of monthly payments is:
- Spread the risk – employees are less exposed to fluctuations in the market.
- Monthly return on deposited money
Unfortunately it is not possible to change the invoicing period. Monthly invoicing is the only option.
Management expenses
These are costs that employers pay for us to manage the money for employees and the company’s deposit and premium fund.
Administrative expenses
These are costs you pay for us to manage the agreement you have with us.
You can easily see a summary of your invoices by logging in to the portal.
If payment is not received, you will receive two payment reminders after two weeks and six weeks after the original due date.
If the invoice is still not paid, we will automatically cancel the agreement.
All businesses have a contribution and premium fund. When the company makes too many contributions, this is transferred to the contribution and premium fund.
We will make a transfer to the contribution and premium fund if:
- you have made extra payments or double payments;
- you have removed an employee from the agreement retroactively.
Tips
The contribution fund can be used to cover the contributions on your next invoice. The premium fund can be used to cover the risk premium on the next invoice.
Questions and answers
The main rule for salaried employees is that the annual wage including holiday pay should form the basis for reporting to the pension scheme. As a rule, overtime pay, bonuses and other benefits should be held outside the salary basis. The rules that apply to your business are specified in the pension agreement.
For employees on an hourly wage, the annual salary is calculated as the number of hours a FTE in the company corresponds to, plus holiday pay.
Independent business owners who don’t receive a salary should state the calculated personal income as the salary basis.
Freelancers who haven’t registered their own company should state their salary/fees as the salary basis.
This is because the person in question may have a disorder that leads to being incapacitated for work. A person who becomes incapacitated for work will continue to be part of the savings for a retirement pension.
The individual may also be able to claim a disability pension if the company has set this up.
If the company has collective pension insurance, the deceased’s spouse or children must send in a completed self-certification (PDF, Norwegian)
The completed form should be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen