Pension to Finland or abroad?
If you go abroad to work, the pension accrual is affected by:
- whether the country is an EU/EEA country or a country with which Finland
has concluded a social security agreement
- whether you are posted by the Finnish employer or employed by a foreign
employer
- whether the country of employment has a general pension scheme
A posted worker accrues a pension to Finland
A posted worker is temporarily working for the Finnish employer in another
EU/EEA country, Switzerland or a country with which Finland has concluded a
social security agreement. If you are a posted worker, you need a certificate
from the Finnish Centre for Pensions so that you accrue a pension to
Finland.
An employee posted to a non-agreement country by the Finnish employer accrues
a pension to Finland. However, pension contributions may also have to be paid to
the country of employment.
Pension rights accrue to a foreign pension scheme
When your employer is a foreign company or corporation, your pension usually
accrues to the pension scheme of the country of employment. It will be
calculated in accordance with the pension legislation in the country of
employment.
If the country of employment is an EU or EEA country,
Switzerland or a country that has a social security agreement with Finland,
the pension accrued from the work is paid to Finland. In certain other countries
there are restrictions on the payment of pensions abroad.
No pension accrues anywhere
There are also countries which have no general pension scheme. There is
generally no pension to look forward to from work for a foreign employer in
these countries.
External links: The Finnish
Centre for Pensions, The Social Insurance Institution