This means that NAV or the insurance company has approved the injury you sustained at work as an occupational injury. If NAV approves your occupational injury, you will have rights under the National Insurance Act. If the insurance company approves the occupational injury, you may be entitled to compensation.
Who approves an occupational injury?
NAV and your employer’s insurance company are responsible for approving an injury as an occupational injury. If NAV rejects your claim, you may appeal to NAV, the National Insurance Court, the Court of Appeal and ultimately the Supreme Court. If the insurance company rejects the injury claim, you may complain to the Norwegian Financial Services Complaints Board and, if necessary, take the matter to court.
Good to know – if you have an occupational injury, the insurance company will normally cover legal costs related to the compensation claim.
What does it mean that the injury is approved as an occupational injury?
It gives you the right to compensation and improved benefits from NAV.
Read more: What rights do you have following an approved occupational injury?
Read more: Approved occupational injury with NAV (external link)
What does approval by NAV mean?
When NAV approves your occupational injury, you receive rights under the National Insurance Act. As a general rule, you do not need to pay deductibles for doctors, treatment or medication. The calculation basis for sick pay, work assessment allowance and disability benefits is more favourable than for ordinary illnesses or injuries. You may also be entitled to compensation for non-economic loss if the permanent medical impairment is 15% or more.
What does approval by the employer’s insurance company mean?
When the insurance company confirms that the conditions for occupational injury under the Occupational Injury Insurance Act are met, you are entitled to compensation for your financial loss. This may include expenses not covered by NAV, loss of household services, loss of income, assistance needs, compensation for non-economic loss and more.
Read more here about what the insurance company covers
What is an occupational injury under the Occupational Injury Insurance Act?
All employers are required by law to take out occupational injury insurance. Under the Occupational Injury Insurance Act, an occupational injury is an injury that occurs:
- while working
- at the workplace
- during working hours
The most important condition is that the injury occurred while working. If you are performing work for your employer, the requirements regarding workplace and working hours are usually also fulfilled. If your employer has failed to take out insurance, you are still protected. In such cases, YFF (the Occupational Injury Insurance Association) will handle your claim.
What is not covered under the Occupational Injury Insurance Act?
Strain injuries that gradually develop in the musculoskeletal system over time are generally not considered occupational injuries.
Lawyer for occupational injury cases?
Do you need a lawyer? Why not simply let the insurance company assist you with your claim? Even with good intentions, insurance companies primarily protect their own financial interests, not yours. Insurance companies have extensive legal, medical and financial resources. This creates an uneven balance against the injured person. That is why the Occupational Injury Insurance Act gives you the right to have legal costs covered. Through more than 30 years of experience with occupational injury cases, we know that engaging specialist legal assistance benefits you. Feel free to contact us for a discussion and assessment of your case. We will provide an honest and neutral evaluation of whether you have a strong case or not.
