Member benefits
As a member of NITO, you get access to a number of benefits.
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Why should young people have disability insurance?
Disability insurance is regarded as one of the most important insurance policies for young people. Still, few people buy this insurance. Young people should think about securing their financial future.
For young people and recent graduates, it is a matter of course to insure their assets, but very few insure their future income. Should you become incapacitated, you may end up with a significantly lower income than you have imagined. Disability insurance is therefore useful even if you are single and childless.
Buying disability insurance as a young person does not cost a fortune and NITO members have almost unbeatable benefits on personal insurance.
From NOK 80 a month
If you buy NITO Disability Insurance and Life Insurance, you are taken care of financially if you become disabled. This may be the best investment you make if you want to maintain the same financial standard of living even if the unthinkable happens.
If you have to stop working due to illness or injury, you will most likely receive disability benefit from NAV, but it may amount to far less than the salary you receive as a working person.
Few think about the fact that health can fail
The proportion of young disabled people between the ages of 25-34 has increased steadily in recent years. The three most common causes of disability among young people are mental disorders, musculoskeletal diseases, and diseases of the nervous or circulatory system. Accidents and accidents can also happen and lead to partial or complete incapacity for work.
Secures you financially
NAV pays up to 66 per cent of your salary, but the maximum amount you can receive is NOK 491,151 (as of 1 May 2024). For engineers, this can mean a drastic loss of income, so it's important to think about the security a disability insurance policy can give you.
To avoid getting into tight financial conditions early in life, it can be a good investment to have disability insurance at a young age.
Price examples for NITO Disability Insurance Extra (10G)
| Age | Member price per month |
| 25 years | NOK 80 |
| 30 years | NOK 122 |
| 35 years old | NOK 151 |
| 40 years | NOK 295 |
| 45 years old | NOK 535 |
Are you properly insured? Talk to us
NITO's insurance centre can take a free review of your insurance policies and provide good advice to ensure that you are covered in the best possible way.
