Sick-pay for freelancers

As a freelancer, your sick-pay rights are inferior to those of employees, but you can insure yourself in order to obtain better cover.

Receiving sick-pay as a freelancer

As a freelancer, you can receive 100 percent of the basis for the sick-pay from and including the 17th day of illness. (By comparison, employees receive 100 percent sick-pay cover from the first day of illness). The first 16 days are counted from the day on which you see a doctor or the day on which NAV receives notification of the incapacity.

Sickness benefits for self-employed and freelancers

Folketrygdloven om sykepenger for frilansere (in Norwegian only)

Sick leave due to the coronavirus

Freelancers unable to work due to the covid-19-pandemc are entitled to sick-pay. In these cases, NAV will pay out sick-pay from day 4 of sick leaveapplies. The right to sick-pay only applies to the extent that the absence leads to a loss of income. The first 16 days of sick leave can be confirmed by an electronic notification to NAV from the freelancer (self-certification). Sick-pay amounts to 100 % of the basis for the sick-pay.

NAV om sykepenger for sykefravær som skyldes korona (in Norwegian only)

NAV om frilansere - hva gjelder i min situasjon (in Norwegian only)


Calculating the sick-pay basis for freelancers

When NAV pays sick-pay, a basis for the sick-pay must be determined. This is normally calculated based on the average freelance income reported through the a-melding during the three months preceding the sickness.

NAV - the National Insurance basic amount (G) (in Norwegian only)

If you have income as both a freelancer and an employee, the sick-pay will be paid according to the rules for employees. 

Voluntary sick-pay insurance for freelancers

It is possible to take out voluntary sick-pay insurance through NAV in order to obtain 100 percent sick-pay cover from the first sick day.

The premium for the sick-pay insurance is 2.2 percent of your expected annual income.

There is also an upper limit for the sick-pay basis of six times the National Insurance basic amount (G) for the voluntary sick-pay insurance. This means you will not be covered by the insurance for income in excess of 6G.

The premium for voluntary sick-pay insurance can be deducted in the tax return.

NAV om sykepengeforsikring for frilansere (in Norwegian only)

Applying for sick-pay

Contact NAV for information on how to apply for sick-pay and how it is paid.

NAV - hvordan søker du om sykepenger (in Norwegian only)

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