Earnings-related pensions accrue from work and are paid to you when you
- are old
- have developed a disability, or
- lose the wage earners in your family to death.
Your earnings-related pensions are based on your earnings throughout your working life.
The earnings and benefits you receive throughout your working life are entered into your pension record. Your future pension is calculated based on the information on your pension record.
If you live abroad, you can request the pension record from your own pension provider or by phone from the Finnish Centre for Pensions at +358 29 411 2110.
You can check and print your online pension record by logging into the website of your own earnings-related pension provider or Työeläke.fi. You need your Finnish online banking credentials to log into the pension record service. There’s a link to the service on each page of Työeläke.fi.
You can also call your pension provider or the Finnish Centre for Pensions (phone: +358 29 411 2110) to ask for a printed copy of your pension record.
Find out who your pension provider is by logging into the service Find your pension provider at Työeläke.fi. You need your Finnish online banking credentials to log into this service. There’s a link to the service on each page of Työeläke.fi.
The unemployment funds and Kela use the data on your pension record to calculate the length of your working history. You can check your online pension record by logging into the website of your own earnings-related pension provider or Työeläke.fi. You need your Finnish online banking credentials to log into the pension record service. There’s a link to the service on each page of Työeläke.fi.
If you need help with calculating your working history, contact your unemployment fund. If you’re not a member of an unemployment fund, contact Kela.
You can retire on an earnings-related old-age pension when you reach your retirement age. Your retirement age depends on when you were born.
To qualify for a partial old-age pension, you must have been born in or before 1963 and be at least 61 years old. The minimum age rises to 62 for those born in 1964 and gradually for those born later. Check your age limit using the retirement age calculator on the Työeläke.fi website.
You can select whether to take out 25% or 50% of the old-age pension you have earned by the time you retire.
If you decide to retire early, the part of your pension that you take will be permanently reduced by 0.4% for each month from when you start drawing your pension to the month after you reach your retirement age.
Yes you can. Getting a partial old-age pension does not prevent you from getting an unemployment allowance, nor does it reduce the amount of that allowance. The unemployment allowance is determined as usual, that is, based on the earnings you had before you became unemployed. Your partial old-age pension may affect your labour market support in those rare cases where the labour market support is means-tested. In such cases, your accrued earnings-related pension and your partial old-age pension are very small. Taking out a partial old-age pension is not worth it.
You can apply for your old-age pension by logging into the online application service (available in Finnish and Swedish). You need your Finnish online banking credentials to log into this service. The link to the service is posted on the websites of most earnings-related pension providers and Työeläke.fi.
Alternatively, you can fill out and print form 7001e.
If you have worked while receiving an old-age pension, you must claim this pension once you have turned 68 years. The pension is not paid out automatically. Submit your new claim for an old-age pension to the pension provider that pays out your pension.
A survivors’ pension replaces income that is lost when a family wage earner dies.
Under certain conditions, the following parties have a right to an earnings-related survivors’ pension:
- a child of the deceased and under the age of 20,
- a married or common-law spouse of the deceased, and
- a former spouse of the deceased.
Read more on survivors’ pensions for surviving spouse and children
Contact your earnings-related pension provider to find out how much your disability pension would be.
You can apply for a disability pension online via most pension providers’ websites. Check if your own pension provider offers this service.
You can also apply for a disability pension by filling out and printing form 7022e. Use the same application form to apply for a disability pension from both the earnings-related pension scheme and the national pension scheme (Kela).
With rehabilitation, you might be able to cope at work. You can discuss your health with your employer and your occupational health care. You can also contact a rehabilitation consultant at your own pension provider. If necessary, you’ll be referred to further examinations and rehabilitation.