Check your pension record online – the printed record contains less information
If you are a private sector worker, note that the printed pension record that you may get in the post includes information from only your most recent years of work. Check your online pension record to see the data for your entire working history.
The pension record shows the data on your employments, periods of self-employment and benefits for which you have earned earnings-related pension. The record also shows how much pension you have earned so far. As of 2022, the printed pension record posted to you (if you are a private sector worker) includes data on employments and benefits for which you earn pension for the ongoing year and the previous six years.
At any time, you can check the data for your total working life, including information that dates back more than six years, on your online pension record that you can access via your pension provider’s web service.
“Pension records have been sent by post as of the year 2008. It makes sense to focus on the most recent data on the printed record as its recipients are expected to carefully check the data on the record. Shorter pension records on paper also save nature and reduce costs,” says director Katri Raatikainen, who is responsible for the registers of the Finnish Centre for Pensions.
The change was also speeded up by customers’ expectations and developed online services.
“Using online pension services has become more common. An increasing number of people check their pension record online because the online record is always up-to-date and available when needed. Online services also make it possible for us to offer you versatile support services, such as calculators and customer service, in addition to your pension record.”
Important that you check the data on your pension record
It is important that you check the data on your pension record at regular intervals. Your future pension will be calculated based on the data on your pension record.
Under law and upon your request, pension providers must sort out any incorrect or missing data on your pension record for the previous six years.
“As of now, the data on your printed record is limited to the ongoing and previous six years. You can check older data online via your pension provider’s website. In addition to asking your pension provider to correct older data, you must present written proof of any missing or incorrect data”, Raatikainen explains.
The changes to the pension record described above do not apply to you pension record if you work for the public sector. Once you have about six years left until you reach your retirement age, Keva will send you a printed pension record every year. This record contains the data for your entire working life. As a public sector worker, you can also check your pension record online at any time. The six-year limit to the pension provider’s obligation to investigate any missing or incorrect data on a pension record does not apply to Keva.
Posting pension records in 2022
Your pension record is issued by the pension provider who insured your work at the end of the previous year. If you have stopped working already earlier, your pension provider in which your last employment was insured sends you your printed pension record. If you are between 18 and 67 years old and have worked in Finland and your work has been insured under the earnings-related pension acts in Finland, you get the pension record.
If you work in the private sector and live in Finland, your pension provider will send your printed pension record to you every third year, unless you have selected to primarily check your pension record online. In 2022, the pension record is posted to persons born in January-April and those approaching their retirement age. The pension records are mailed throughout the year, starting in May.
Public sector pension provider Keva posts pension records to those born in 1964. If you work in the public sector and do not check your pension record online, Keva will send you a printed pension record, unless you have selected the paperless online record.
You can check the online pension record via the web service of your pension provider that has insured your work. If you are unsure which pension provider has insured your work, access your pension record via the website Tyoelake.fi. That way, you are automatically directed to the web service of the pension provider in which your work is insured.
Photo: Karoliina Paatos