How do I claim my old-age pension?

You can claim your old-age pension when you reach your retirement age. You can claim the pension from both the earnings-related pension scheme and the national pension scheme (Kela) at the same time.

Fill out the online claim form. Get started by clicking the button “Log in” You will be forwarded to your own pension provider’s application service.

Log in to the pension application service

If your own pension provider does not offer an online application service, you can fill out a paper from or print out a form (7001e) that you have filled out online. To access the form, go to the footer or menu of Tyoelake.fi.

Before your old-age pension can begin, you must have stopped working. You have to resign from your job according to the terms of notice of your collective agreement.

If you are self-employed, you can claim your old-age pension and continue your self-employment. In that case, you will not be able to continue paying statutory pension insurance. If you wish, you may, but you do not have to, insure your continued work with voluntary pension insurance.

You can apply for your old-age pension three months in retrospect, counted from the month before you submitted your application.

If you are claiming a pension from abroad, as well, you have to fill out and print Appendix U and submit it separately on paper (if you claim your old-age pension online) or attach it to your printed pension claim.

Retirement ages

The retirement ages rise gradually as of 2017. If you were born in 1956, you can retire at age 63 years and 6 months at the earliest. The retirement age of those born in 1957 is 63 years and 9 months. In other words, the retirement age rises steadily by 3 months per year until it is 65 years.

Occupational retirement age forms an exception

If you work in the public sector, you may have an occupational retirement age. That means that you may be entitled to retire on an old-age pension already before the age of 63.

The previous occupational retirement ages began to rise gradually in connection with the pension reform: by 3 months for those who reached their occupational retirement age in 2018, by 6 months for those who reached it in 2019, and by 9 months for those who reach their occupational retirement age in 2020.

National pension retirement age

The retirement age under the national pension scheme is 65 years. If you qualify for a national pension, you can choose to take it out early, as of age 63. However, if you were born between 1958 and 1961, you can take out an early national old-age pension as of age 64.

If you take out your national old-age pension early, it will be permanently reduced by 0.4% for each month from when you start drawing the pension to the month after you turn 65. If you wait to take out your national old-age pension at age 65, it will not be reduced.

In the future, when the retirement age of the old-age pension of the earnings-related pension system is linked to life expectancy as of those born in 1965, the retirement age of the national old-age pension will correspond to that of the earnings-related old-age pension.

Claim the pension you have earned in retirement

If you have worked while drawing an old-age pension, you have earned new pension for that work. You have to claim that pension separately once you have turned 68 years. Use the form for an old-age pension (7001e) to claim this new pension.