Sick-pay for self-employed persons

Sick-pay is intended to compensate for the loss of income for people who are unable to work due to illness or injury. As a self-employed person (i.e. you run your own sole proprietorship or are a partner in a general partnership/partnership with joint liability), your sick-pay cover will be less than it will be for employees. However, you can take out insurance in order to obtain better cover.

Sick-pay entitlements for the self-employed

As a self-employed person, you will receive 80% of the sick-pay basis from the 17th day of illness onwards. The 16 days are counted from the date on which you see a doctor or the date on which NAV is notified of your incapacity. No sick-pay will be calculated on income in excess of 6G (currently NOK 599 148).

Sickness benefits for self-employed and freelancers

Folketrygdloven om sykepenger for selvstendig næringsdrivende (in Norwegian only)

Calculating the sick-pay basis for self-employed persons

When NAV pays sick-pay, a basis for the sick-pay must be determined. This is normally calculated based on your average pension credits for the past three years for which you have received a tax assessment. The basis for sick-pay is limited to a maximum of six times the National Insurance basic amount (G). If your business was established less than three years ago or its income changes permanently by more than 25% relative to the calculated sick-pay basis, the sick-pay basis will be determined on a discretionary basis.

If you have received income both as an employee and as a self-employed person, the sick-pay will be calculated based on the total annual income according to special rules.

Voluntary sick-pay insurance

In order to obtain better sick-pay cover than 80% from the 17th sick day, you have to out voluntary sick-pay insurance through NAV. There are three alternative insurance schemes.

Type of sick-pay scheme Insurance premiums
Ordinary sick-pay scheme with 80% of sick-pay cover from the 17th day of sickness None
Voluntary sick-pay insurance with 80% of sick-pay cover from the 1st day of sickness 2.3% of expected annual income
Voluntary sick-pay insurance with 100% of sick-pay cover from the 17th day of sickness 2.0% of expected annual income
Voluntary sick-pay insurance with 100% of sick-pay cover from the 1st day of sickness 9.4% of expected annual income

There is also an upper limit for the sick-pay basis of six times the basic amount (G) for the voluntary sick-pay insurance schemes, which means that the insurance will not cover you for income above 6G.

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

NAV om sykepengeforsikring for selvstendig næringsdrivende (in Norwegian only)

Folketrygdloven om frivillig yrkesskadetrygd for selvstendige og frilansere (in Norwegian only)

Applying for sick-pay

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

Søknad fra selvstendig næringsdrivende og frilansere om opptak i frivillig trygd med rett til særytelser ved yrkesskade (in Norwegian only)

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