Pensions are not paid out automatically. That means that you have to apply for your pension before you retire.
There is a separate application form for each pension benefit. You should apply for your pension approximately two months before you want to retire. You can apply for an old-age, disability or survivors’ pension from both the earnings-related and the national pension systems on the same form.
If you have earned a pension in a foreign country, you can apply for that pension on the same form as you apply for your Finnish pension. Fill out Appendix U (with information on your work and living abroad) and attach it to your application.
Apply for your pension online
You can apply for your pension online. Most pension providers offer an online pension application service (some also in English).
If your own pension provider does not offer an online application service, you can fill in a paper form or print out a form that you have filled in online. Go to the footer or menu of Tyoelake.fi to find the form.
If you work in the private sector or are self-employed, you can hand in your application to any pension provider, the Finnish Centre for Pensions, a Mela insurance agent or a Kela office. If you work in the public sector, that is, for a local government, the State, Kela or the Evangelical-Lutheran Church, apply for your pension from Keva.
Your own pension provider pays your pensions and answers your questions
As a rule, the pension decision is issued by the pension provider in which the majority of your earnings have been insured in the last two calendar years. The same pension provider will pay out your pension and answer any questions you may have about the pension decision.
New tax card for your pension
You need a new tax card for your pension since the tax rate for pensions is different from that for wages. Once you have been issued a pension decision, apply for a new tax card from the Tax Administration. If you are retired and work, you need a separate tax card for your wages.
Your pension card proves that you have been granted a statutory earnings-related pension. As a rule, your pension provider will attach your pension card to your pension decision. Your pension card gives you discounts for services or products from many companies.
You can appeal your pension decision. Appeal instructions are enclosed with the pension decision. You must submit the appeal in writing and sign it.
You can write the appeal in you own words, as long as you state clearly that it is an appeal to the Pension Appeal Court. In addition, you must clearly state what part of the decision you are unhappy about, how you would like to to have that part changed, and the grounds for requesting the change.
The Pension Appeal Court handles appeals submitted within the private and the public sector.
You have to submit your written appeal to the pension Appeal Court within 30 days of receiving your pension decision. You are considered to have received the decision seven days from the date on which it was posted.
The Appeal Court will forward your appeal to the pension provider that has issued your pension decision.
If your pension provider agrees with your appeal, it can correct its decision. If you and your pension provider cannot reach an agreement, your appeal will be forwarded to the Pension Appeal Court for processing.
You can appeal the decision of the Pension Appeal Court to the Insurance Court. Its decision is final.
If your appeal concerns a pension decision that you have received from abroad, you must send your appeal to the country that issues the decision. For more details, see the instructions that were attached to your pension decision from abroad.