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 incident
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 is required that the employee at the time being added is 100 percent able to work. Employees who are not 100 percent able to work must be added to the savings section of the pension scheme.
It is the company’s responsibility to inform us if the employee is fully able 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, Norwegian)
or
demerger/merger (PDF, Norwegian)The completed form should be sent by regular post to:
DNB Livsforsikring AS PO Box 7500 5020 Bergen
If you want to terminate the company’s pension agreement, you can send us this Form by emailpensjon.bedrift@dnb.no
We have created a separate page for a-message (a-melding).
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
Do you want to remove a user in the portal? Call us on +4723021172 or start a chat in the logged-in 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 internet 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.
How to find a bank statement or annual statement, which is an overview of the amount paid to the pension agreement
Log in with your corporate internet bank user ID.
Select Other Services on the tab
Then click Pension and employee insurance
Administrative agreements
. Select Reports on the left-hand side of the menu, select the type of report and click Invoice history
Select desired format and date range
Enter a desired period
Click Create report
1:04 mins
Tips
Remember this when submitting annual accounts.
Invoices are sent once a month, 14 days before the due date. This applies to AvtaleGiro, 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.
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 defined-contribution fund can be used to cover the deposits on your next invoice. Premium funds can be used to cover the risk premium on the next invoice.
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.
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.
See also
Contact us
Customer Service Business
Opening hours and telephone numbers
Chat
Our chatbot Aino will answer questions 24/7 and can help you with a lot.
If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to continue the chat with an adviser during the corporate department’s opening hours.
Notification of unacceptable circumstances
Unacceptable circumstances include circumstances that are in breach of legal rules (laws, regulations etc.), DNB’s written ethical guidelines (Code of Conduct) or ethical norms to which there is broad adherence in society.
For customers who are deaf or hard of hearing
We are available through digital services such as chat and contact forms when you are logged in to the online bank, in addition to text message services.
If these services cannot be used, we can be contacted by telephone using Text telephone 149 (Telenor), Image interpretation service (NAV), and via our appointment booking form above.