Sick-pay for self-employed persons

🔗Sick-pay entitlements for the self-employed

As a self-employed person, you will receive 80 percent 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 780,960).

🔗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 (6 G - NOK 780,960). 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 both salary income and income as a sole proprietor, the sick-pay is calculated according to the rules for employees.

🔗Voluntary sick-pay insurance

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

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.

🔗Voluntary occupational injury insurance

Sole proprietors must take out an occupational injury insurance through Nav in order to be entitled to special benefits in the event of an occupational injury.