Norway's welfare system — overview

Norway's welfare state is built around the National Insurance Scheme (folketrygden), run by the Norwegian Labour and Welfare Administration (Nav). It is financed by general taxes and by the national insurance contribution (trygdeavgift), 7.6% of wages in 2026. Many benefits are set as multiples of the basic amount (grunnbeløpet, G). It is adjusted every 1 May, and from 1 May 2026 1 G is NOK 136,549. Municipalities run GPs, kindergartens, schools and social assistance, so some prices and services vary from place to place. Oslo is used as the example where local rules matter.

You normally become a member of folketrygden when you live in Norway and plan to stay at least 12 months, or when you work here. EEA citizens are also covered by the EEA coordination rules, so periods in other EEA countries can count. Norway also has social security agreements with some countries outside the EEA.

First registrations for a newcomer:

• National Population Register (Folkeregisteret): if you will stay six months or more, report your move to the Tax Administration (Skatteetaten) and attend an ID check at a tax office. Some residence permits of at least six months lead to automatic registration. You then get an 11-digit national identity number (fødselsnummer); otherwise you get a D number.
• Tax deduction card (skattekort) from Skatteetaten before you start work.
• GP (fastlege): everyone registered as resident has the right to one; choose on helsenorge.no.
• Electronic ID (BankID or MinID) to log in to Nav, Skatteetaten and Helsenorge.

The areas at a glance

• Health (health) — public health service with user fees (egenandel) capped at NOK 3,278 a year (2026); a GP (fastlege) is your first contact.
• Pension (pension) — retirement pension from Nav (flexible from 62, standard age 67), mandatory occupational pension of at least 2% of pay, and agreements with other countries.
• Unemployment (unemployment) — dagpenger at 62.4% of previous income for 52 or 104 weeks; municipal social assistance (økonomisk sosialhjelp) after that.
• Family (family) — child benefit (barnetrygd) of NOK 2,012 a month per child (2026), cash-for-care (kontantstøtte) and low-cost kindergarten (barnehage).
• Tax (tax) — 22% on ordinary income plus a step tax (trinnskatt) and trygdeavgift; tax return due 30 April.
• Housing (housing) — rules in the Tenancy Act (husleieloven), deposit of at most six months' rent, housing allowance (bostøtte) from Husbanken.
• Education (education) — free public school for ten years, free state universities for EEA citizens, loans and grants from Lånekassen.
• Parental (parental) — parental benefit (foreldrepenger) for 49 weeks at 100% or 61 weeks at 80%, or a lump sum (engangsstønad).

Things to watch

• Amounts tied to G change every 1 May. Other rates change on other dates, for example 1 January (social assistance), 1 February (child benefit in 2026) or 1 August (kindergarten). Check the current figure before you apply.
• Some English pages on nav.no are updated later than the Norwegian ones. The Norwegian page is the most recent.
• Several benefits need a minimum time in folketrygden. Examples are cash-for-care (5 years), the guarantee pension (5 years) and the lump-sum birth grant (12 months).
• Long stays abroad can end your membership. Ask Nav before you leave.

Official guidance: Nav, Nav: rates, Skatteetaten: moving to Norway, Helsenorge: health care in Norway

Health care in Norway

Norway has a public health service funded by taxes and the National Insurance Scheme (folketrygden). There is no separate health insurance premium. You normally become a member when you live in Norway and plan to stay at least 12 months, or when you work here. Members pay fixed user fees (egenandel) for most public treatment until they reach a yearly ceiling. After that, most treatment is free for the rest of the year. The Norwegian Health Economics Administration (Helfo) handles reimbursements. Helsenorge.no is the official portal for booking, prescriptions and your health records.

Your GP (fastlege) and referrals

• Everyone registered as resident in a Norwegian municipality has the right to a regular GP (fastlege). People with a D number usually do not, with some exceptions. You choose or change your GP on helsenorge.no.
• Children can have the same GP as a parent until they turn 16.
• The GP is your first contact for physical and mental health problems. The GP can prescribe medicine, write a sick note (sykemelding) and refer you to a specialist or hospital.
• After a referral, the hospital or specialist must decide within 10 days whether you have the right to examination or treatment. You do not need a referral in an emergency.
• Emergencies: call 113. Out-of-hours medical service (legevakt): 116 117.

User fees and the exemption card (frikort)

User fees for 2026 (adjusted yearly):

• GP consultation: NOK 179 in the daytime and NOK 301 in the evening; an e-consultation is NOK 179. It is NOK 235 in the daytime if the doctor is a specialist in general medicine.
• Specialist at a hospital outpatient clinic: NOK 443. X-ray or ultrasound: NOK 387.
• Annual ceiling: NOK 3,278 (2026). After that you get an exemption card (frikort for helsetjenester) automatically within three weeks. Overpaid fees are refunded to your bank account.
• From 1 August 2026, everyone under 18 is exempt from user fees.

The frikort covers GPs, psychologists, outpatient clinics, X-ray, laboratories, medicine on blue prescription (blå resept) and patient travel. It does not cover medical certificates or the seasonal flu vaccine. Pregnancy check-ups are offered by your GP or the local health centre (helsestasjon). Abortion is free for women resident in Norway.

Dental care

• Children up to 18: free at the public dental service, except braces. The service calls children in for check-ups.
• People who turn 19–28 in the year of treatment pay 25% of the cost at the public dental service. You must contact the clinic yourself.
• Adults: most people pay the full price, and dentists set their own prices. Helfo covers part of the cost only for certain conditions.

Common pitfalls for newcomers

• Your GP or dentist needs a direct-settlement agreement with Helfo for the public rates to apply. Ask before treatment starts.
• If you miss a hospital appointment without cancelling at least 24 hours before, you pay NOK 1,993 (2026). This fee does not count towards the frikort.
• With only a D number you may have no right to a GP. Make sure you are registered as resident.
• Long stays abroad can end your membership of folketrygden and with it your health rights.

Official guidance: Helsenorge: health care in Norway, Helsenorge: payment for health services, Helsenorge: exemption card, Helsenorge: dental bills

Pensions in Norway

Norway's pension system has three layers: a retirement pension (alderspensjon) from the National Insurance Scheme, paid by Nav; an occupational pension (tjenestepensjon) from your employer; and private savings. Some employers also offer a contractual early retirement pension (AFP). You pay for the public pension through the national insurance contribution (trygdeavgift): 7.6% of wages in 2026.

Retirement pension from Nav (alderspensjon)

• If you were born in 1963 or later, 18.1% of your pensionable income, up to 7.1 times the basic amount (G), is added to your pension account (pensjonsbeholdning) every year. You can earn pension until the year you turn 75.
• The usual pension age is 67. You can start earlier, from 62, if you have earned enough. Your pension must then be at least the guarantee pension at the high rate (NOK 253,787 a year in 2026). You can take 20, 40, 50, 60, 80 or 100% of your pension and keep working.
• Stortinget has proposed raising the pension age gradually in line with life expectancy. Nav says the politicians have not yet decided when this will apply.

Guarantee pension and residence time

If you have little or no pension income, you can get a guarantee pension (garantipensjon), the minimum pension.

• You need at least 5 years of insurance time (trygdetid). This is usually time you lived or worked in Norway between age 16 and the year you turn 66.
• A full guarantee pension needs 40 years of trygdetid. With fewer years it is reduced.
• Rates from 1 May 2026 for people born in 1963 or later, with full trygdetid: NOK 253,787 a year if you live alone, or if your partner has no pension and an income below 2 G (high rate). The ordinary rate is NOK 234,765 a year if your partner has a pension or income above 2 G.
• If you live in Norway, are over 67 and have too few years for a full minimum pension, you can apply for a supplementary benefit (supplerende stønad).

Occupational and private pensions

• Under the Mandatory Occupational Pension Act (OTP), employers covered by the Act must pay at least 2% of your salary up to 12 G into a pension scheme each year. In a defined-contribution scheme, employees from age 13 are members.
• AFP in the private sector can be taken from age 62. It is paid for life on top of your other pensions, if your employer is part of the scheme.

Agreements with other countries

Periods you lived or worked in other EEA countries can be added to your Norwegian trygdetid under the EEA coordination rules. The Nordic Convention on Social Security covers the Nordic countries. Norway also has bilateral agreements with Australia, Bosnia and Herzegovina, Canada (and Quebec), Chile, India, Israel, Luxembourg, Montenegro, the Netherlands, Serbia, South Korea, Switzerland, Turkey, the United Kingdom, the United States and Austria.

Common pitfalls for newcomers

• If you arrive as an adult, you will probably have fewer than 40 years of trygdetid, so your guarantee pension will be lower.
• A pension from another country you lived or worked in must be applied for there. Nav advises checking how well before you retire.
• If you take your pension before 67, the yearly amount is lower for the rest of your life.

Official guidance: Nav: retirement pension, Nav: countries with social security agreements, Mandatory Occupational Pension Act

Unemployment benefits in Norway

If you lose your job or are temporarily laid off (permittert), Nav can pay unemployment benefit (dagpenger). There is no separate unemployment insurance fund. Dagpenger is part of the National Insurance Scheme and is based on your earlier income. If you do not qualify, or your dagpenger ends, the Nav office in your municipality can give financial social assistance (økonomisk sosialhjelp).

Who can get dagpenger

• You have lost at least 50% of your total working time.
• You earned at least NOK 204,824 (1.5 G) in the last 12 months, or at least NOK 409,647 (3 G) in total over the last 36 months (amounts from 1 May 2026).
• You register as a job seeker with Nav, send an employment status form (meldekort) every 14 days, and stay in Norway.
• Apply about 2 weeks before your last day with pay. You can get dagpenger from the day you apply and register at the earliest.
• If you worked in another EEA country, Nav needs a PD U1 form from that country's labour authority so those periods can count.

Amount and duration

• Dagpenger is 62.4% of your previous income. Income above NOK 819,294 (6 G) does not count (2026).
• If you support children under 18, you get a supplement of NOK 38 per child per day, 5 days a week.
• Duration: up to 104 weeks if you earned at least NOK 273,098 (2 G) in the last 12 months, or on average over the last 36 months. Otherwise up to 52 weeks.
• Nav pays every 14 days, 1–3 working days after you send the meldekort. In 2026 Nav's processing time for new applications was about 7 weeks.
• If you are laid off temporarily, your employer pays you for the first 15 days. You can then get dagpenger for at most 26 weeks within 18 months.
• You can take dagpenger to another EEA country to look for work for up to 3 months. You need a PD U2 and at least 4 weeks as a registered job seeker before you leave.

Social assistance after that (økonomisk sosialhjelp)

Social assistance is temporary, means-tested help from the Nav office in your municipality. Your income, savings and your spouse's situation are taken into account. The state guideline rates for living costs from 1 January 2026 (per month) are:

• single person NOK 8,300; married or cohabiting couple NOK 13,800
• children NOK 4,050 (0–5), NOK 4,150 (6–10) and NOK 5,400 (11–17)

Rent, electricity, transport and children's leisure activities are assessed on top of these rates. Municipalities can use their own rates. People aged 18–67 who need closer follow-up can be offered the full-time qualification programme (kvalifiseringsprogrammet).

Common pitfalls for newcomers

• If you apply late, you lose days of benefit. Apply no later than the day your pay stops.
• If you miss a meldekort, payments can stop. Keep sending it while you wait for a decision.
• A trip abroad without telling Nav can stop your dagpenger. Ask your Nav office before you travel.
• The Nav office can require you to apply for housing allowance (bostøtte) before it grants social assistance.

Official guidance: Nav: unemployment benefit, Nav: financial social assistance, Nav: basic amount (G)

Family benefits and childcare in Norway

Norway supports families with a monthly child benefit for every child, a cash-for-care benefit for toddlers without a kindergarten place, and kindergartens with a national price cap. Nav pays the cash benefits. Your municipality runs kindergarten admissions and price reductions. Amounts are set by Stortinget and change from time to time.

Child benefit (barnetrygd)

• NOK 2,012 a month per child under 18, from 1 February 2026.
• Families in Finnmark, on Svalbard and in some municipalities in Nord-Troms get an extra NOK 512 a month per child (2026).
• Single parents can get an extended child benefit (utvidet barnetrygd) on top.
• The child must live in Norway. A child is treated as resident if they stay here for at least 12 months in a row. If the whole family lives here and is registered, foreign citizens with a residence permit can get barnetrygd. EEA citizens who work in Norway can qualify even for stays shorter than 12 months. If the family lives in another EEA country, Nav may pay the difference between the two countries' benefits.

Cash-for-care benefit (kontantstøtte)

• For children aged 13 to 19 months who do not have a full-time place in a publicly funded kindergarten. You can get it for at most 7 months.
• NOK 7,500 a month with no kindergarten place (2026). A part-time place gives a lower rate, from NOK 6,000 down to NOK 1,500.
• You and the child must live in Norway. Both parents (if the child lives with both) must have been members of the National Insurance Scheme, or another EEA country's scheme, for at least 5 years.

Kindergarten (barnehage)

• A child who turns one by the end of August has the right to a kindergarten place from August, in the municipality where the child lives. Children who turn one in September, October or November get a place by the end of that month. The municipality sets the application deadline.
• Price cap: NOK 1,200 a month for a full-time place (since 1 August 2025). In the least central municipalities the cap is NOK 700, and in the action zone in Finnmark and Nord-Troms kindergarten is free. Food costs extra. In Oslo, for example, food in municipal kindergartens is NOK 320 a month (2026).
• Siblings: at least 30% off for the second child, and the third child is free.
• Low income: no household pays more than 6% of its income per child. Children aged 2–5 in households with income below NOK 692,465 (from 1 August 2026) get 20 free hours a week (gratis kjernetid). You must apply to your municipality for these reductions.

Common pitfalls for newcomers

• Kontantstøtte needs 5 years of membership for both parents. Many newcomers do not qualify yet.
• If you miss the municipal kindergarten deadline, you may not get a place in August. Check your municipality's website early.
• Low-income reductions are not automatic in the first year. In Oslo you apply once and the city renews the application after that.
• Tell Nav if the child moves abroad or stays outside Norway for a long time, because this can affect barnetrygd.

Official guidance: Nav: child benefit, Nav: cash-for-care benefit, Udir: kindergarten fees, Oslo kommune: kindergarten prices

Income tax in Norway

The Norwegian Tax Administration (Skatteetaten) collects income tax for the state, the county and the municipality in one system. Your employer deducts tax from your pay every month according to your tax deduction card (skattekort). Each spring you check a pre-filled tax return (skattemelding). Norwegian income tax has three main parts: a flat tax on ordinary income, a step tax on gross personal income, and the national insurance contribution.

Tax residence and your tax card

• You are tax resident in Norway if you stay more than 183 days in a 12-month period or more than 270 days in a 36-month period. Tax residents pay tax on all their income and wealth, in Norway and abroad. Being registered in the population register is not the same as being tax resident.
• You need a skattekort before you start work. Newcomers can join the voluntary PAYE scheme (Pay As You Earn) for their first year as tax resident if they earn up to NOK 725,050 (2026). PAYE is a flat 25%, or 17.4% if you are exempt from national insurance contributions. You cannot claim deductions under PAYE. You can opt out until 31 December three years after the income year.

Rates for 2026 (adjusted yearly)

• Tax on ordinary income (alminnelig inntekt): 22%. This is your income minus deductions. The 22% is shared between the state (8.25%), the municipality (11.35%) and the county (2.40%). Finnmark and parts of Nord-Troms have a lower rate.
• Step tax (trinnskatt) on gross personal income:
  • 1.7% on NOK 226,101–318,300 (no step tax up to NOK 226,100)
  • 4.0% on NOK 318,301–725,050
  • 13.7% on NOK 725,051–980,100
  • 16.8% on NOK 980,101–1,467,200
  • 17.8% above NOK 1,467,200
• National insurance contribution (trygdeavgift): 7.6% of wages, 10.8% of business income and 5.1% of pensions. It is not charged on income below NOK 99,650.
• Deductions: a personal allowance (personfradrag) of NOK 114,540, and a standard deduction (minstefradrag) of 46% of wages, up to NOK 95,700. If you earn NOK 100,000 or less, you get a tax-free card (frikort) and no tax is deducted.
• Wealth tax (formuesskatt): 1.0% on net wealth above NOK 1,900,000 for a single person, rising to 1.1% above NOK 21.5 million.

The tax return (skattemelding)

The tax return comes in March or April. It is pre-filled with information from your employer, banks and others. Check it and add missing deductions. The deadline to correct and submit it is 30 April. If you do nothing, Skatteetaten treats it as submitted with the pre-filled information. You can apply for a 30-day extension by 30 April, and you can correct returns for the last three years.

Common pitfalls for newcomers

• PAYE gives no deductions. With commuting costs or loan interest, the general rules can cost less. Compare both with Skatteetaten's tax calculator.
• As a tax resident you must declare income and wealth abroad in the tax return, including loans abroad.
• PAYE ends when you earn more than NOK 725,050 (2026) or have been tax resident for more than a year. You then need a skattekort under the general rules.
• In the year you move to Norway, the limits of the minstefradrag are reduced in proportion to the months you were resident.

Official guidance: Skatteetaten: tax return, Skatteetaten: PAYE, Skatteetaten: rates for 2026

Housing and renting in Norway

Most newcomers rent from private landlords at first. The Tenancy Act (husleieloven) sets rules on contracts, deposits, rent increases and notice. The Norwegian State Housing Bank (Husbanken) pays a housing allowance (bostøtte), and municipalities rent out homes to people who struggle to find one.

Rental contracts and rent (husleieloven)

• An oral contract must be put in writing if one party asks.
• A fixed-term contract for a home must normally run for at least 3 years. It can be 1 year for a basement or attic flat in a house where the landlord lives.
• For an open-ended contract the usual notice period is 3 months, to the end of a calendar month. A landlord needs a reason allowed by the Act, such as needing the home for their own household.
• Rent can be adjusted once a year at most, by no more than the change in the consumer price index (KPI), with one month's written notice. After two and a half years without other changes, either party can ask for the rent to be set to the usual market rent (gjengs leie).
• Disputes can go to the Rent Disputes Tribunal (Husleietvistutvalget) instead of court.

Deposit (depositum)

• The deposit can be at most six months' rent.
• It must be paid into a separate deposit account in the tenant's name at a bank in Norway. Neither party can withdraw it alone during the tenancy.
• After you move out, the money is paid out with both parties' written consent or under the rules in the Act. If the landlord claims unpaid rent, you have five weeks from the bank's notice to take legal action if you disagree.

Housing allowance (bostøtte)

• Bostøtte is means-tested help for people with low income and high housing costs. If the household's total income is above the limit, you get nothing.
• You can apply if you are over 18 (and not doing military service), or under 18 with children.
• The home must be approved for living in, with its own entrance, its own bathroom and toilet, and a kitchen. Shared housing (bokollektiv) usually does not qualify.
• You apply online with electronic ID by the 25th of the month; answers and payments come on the 20th. Your municipality can help you apply.
• The Nav office can require you to apply for bostøtte before it gives financial social assistance.

Municipal and social housing

Municipalities rent out housing (kommunal bolig) to people who cannot find a home on their own. The rules vary by municipality. In Oslo, for example, you must usually have lived in the city for 2 years, be at least 18, and have net wealth below 1 G or gross income below 4 G (single) or 5 G (couple). Contracts usually run for 3–7 years. You apply to your district (bydel), which gives priority to those in greatest need (2026).

Common pitfalls for newcomers

• Never pay the deposit into the landlord's private account. It must go into a deposit account in your name.
• A fixed-term contract that breaks the minimum-term rule is treated as open-ended. Check the term before you sign.
• Report your new address to the National Population Register. Bostøtte, kindergarten places and school places depend on where you are registered.

Official guidance: Tenancy Act, Husbanken: housing allowance, Rent Disputes Tribunal, Oslo kommune: municipal housing

Education in Norway

Public school in Norway is free from the first year through upper secondary school, under the Education Act (opplæringslova). State universities charge no tuition to EU/EEA and Swiss citizens, or to residents who qualify for student support on the same terms as Norwegians. The State Educational Loan Fund (Lånekassen) pays loans and grants.

Compulsory school (grunnskole)

• Children have both a right and a duty to attend primary and lower secondary school (grunnskole). It runs from the year they turn 6 until they finish year 10: ten years in total.
• The duty starts when a child has been in Norway for three months. The municipality must offer a place within three months of arrival.
• Grunnskole is free. The municipality may not charge for teaching materials, transport during school hours, school camps or school trips.
• Pupils learn both written forms of Norwegian, Bokmål and Nynorsk. The Act also has rules on teaching in Sámi, Kven or Finnish, and Norwegian Sign Language.

Upper secondary school (videregående opplæring)

After grunnskole, young people have the right to upper secondary education. The right lasts until they gain university admission certification or vocational qualifications, and at the latest until the school year that starts in the year they turn 24. After that, adults have their own right to upper secondary education. Upper secondary education is free.

Higher education and fees

• State universities and university colleges must charge tuition (egenbetaling) to students who are citizens of countries outside the EEA and Switzerland. Exceptions: people with equal-treatment rights under international agreements, people who can get Lånekassen support on the same terms as Norwegians, PhD candidates and exchange students.
• So if you qualify for Lånekassen on the same terms as Norwegians (see below), you do not pay tuition at a state institution.

Student finance (Lånekassen)

• Every eligible student can get a basic loan (basislån): NOK 15,488 a month for full-time study in 2026–2027.
• Up to 40% of the loan can be turned into a grant. You must not live with your parents, you must pass your courses, and your income and wealth must be below the limits. In 2026 the grant is reduced if your income is above NOK 234,821.
• The loan is free of interest while you study full time. Students born in 1996 or earlier can borrow up to NOK 121,740 extra per study year (2026–2027).
• Foreign citizens get the same terms as Norwegians if, for example, they have permanent residence, protection or family immigration. Others who qualify include spouses of Norwegian citizens and people who have worked full time in Norway for 24 months in a row.
• Apply by 15 November for the autumn or the whole year, and by 15 March for the spring.

Common pitfalls for newcomers

• A residence permit for study does not give the right to Lånekassen support on the same terms as Norwegians.
• If you came as a student from outside the EEA, you will pay tuition at state institutions. Check the fee with your institution.
• School duty starts three months after arrival. Contact your municipality soon after you register.

Official guidance: Lånekassen, Education Act (opplæringslova), Universities and University Colleges Act, Regulations on student support

Parental leave and benefits in Norway

When you have or adopt a child, Nav pays parental benefit (foreldrepenger) to parents who worked before the birth, or a lump sum (engangsstønad) to those who do not qualify. The Working Environment Act (arbeidsmiljøloven) gives the right to time off. The figures apply to children born from 1 July 2024.

Parental benefit (foreldrepenger)

• Who qualifies: you had income from work, or certain Nav benefits, in at least 6 of the last 10 months before your leave starts. Your income must also be at least half the basic amount: NOK 68,275 a year (2026). Student loans and grants from Lånekassen do not count.
• Amount: foreldrepenger replaces your usual income up to NOK 819,294 a year (6 G) from 1 May 2026.
• Length for one child: the parents choose together between 49 weeks at 100% and 61 weeks and 1 day at 80%. The choice made in the mother's application also applies to the other parent and cannot be changed later.
• How the weeks are shared (100%):
  • 3 weeks for the mother before the due date
  • 15 weeks reserved for the mother (mødrekvote)
  • 15 weeks reserved for the father or co-mother (fedrekvote / medmorkvote)
  • 16 weeks of shared period (fellesperiode)
  • At 80% the quotas are 19 weeks each. When the father or co-mother uses the shared period, the mother must meet an activity requirement, such as working, studying full time or taking part full time in the introduction programme for newly arrived immigrants.
• The father or co-mother can take two weeks of their quota at the same time as the mother around the birth.

Lump-sum grant (engangsstønad)

If you do not qualify for foreldrepenger, you can get NOK 92,648 per child (births from 1 January 2023). You must have been a member of the National Insurance Scheme without a break for at least 12 months before the due date or adoption. Apply no later than 6 months after the birth or adoption.

Leave from work (arbeidsmiljøloven)

• A pregnant employee has the right to up to 12 weeks of leave during the pregnancy.
• The mother must take leave for the first 6 weeks after the birth, unless a doctor's note says it is better for her to work.
• The father has the right to 2 weeks of leave around the birth to help the mother. Many employers pay for these two weeks. Nav does not, unless you use your quota.
• Each parent can also take up to 12 months of extra unpaid leave right after the paid period.
• If you are healthy but cannot keep working during pregnancy because the work could put the child at risk, you can get pregnancy benefit (svangerskapspenger).

Common pitfalls for newcomers

• Check the 6-out-of-10-months rule early. For the mother, only income up to 3 weeks before the due date counts.
• Foreldrepenger must be used before the child turns 3. Weeks you have not used by then are lost.
• You cannot change between 100% and 80% after you apply.
• If your employer pays the father's two weeks around the birth, use those first and save the Nav quota.

Official guidance: Nav: parental benefit, Nav: lump-sum grant, Nav: pregnancy benefit, Working Environment Act