This page has a list of common questions and answers about earnings-related pensions. The questions have been divided into groups based on topics. You can find more information about these topics on other parts of the Tyoelake.fi website.
Pension amount and pension record
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 don’t have Finnish identification token, 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.
Your old-age pension will increase by 0.4 per cent for each month that you retire late, that is, for each month past the month in which you reached your retirement age.
For example, if you have accrued a pension of 2,000 euros, your pension increases by 8.00 euros for each month that you retire late.
The increase is calculated on the pension you have earned throughout your working life up to the end of the month before you start drawing your pension. This means that also the pension you have accrued for work done after you have reached your retirement age is included in the calculation.
The increase for late retirement does not apply to periods during which you receive unemployment benefits. You also do not accrue increment for late retirement if you are already receiving a disability or old-age pension and you are working alongside the pension.
More on increment for late retirement: Working longer pays off
You can check and print your online pension record by logging into the website of your own earnings-related pension provider or Tyoelake.fi. There’s a link to the service on each page of Tyoelake.fi.
If you don’t have Finnish identification tokens, you can ask for your pension record from your own pension provider or by phone from the Finnish Centre for Pensions, phone +358 29 411 2110.
Find out who your pension provider is by logging into the service Find your pension provider at Tyoelake.fi. You need a Finnish identification token to log into this service. There’s a link to the service on each page of Tyoelake.fi.
Question: Are the sums in the examples in Tyoelake.fi gross or net amounts?
Answer: Wage and pension amounts are presented on the web pages and calculators in Tyoelake.fi in gross amounts. This means the amount of the monthly wage or pension before taxes have been deducted. The amounts paid in tax varies from person to person depending on their income and tax deductions.
The exceptions are the tables with tax data on the web page “National and guarantee pensions supplement small earnings-related pensions” and “Flexible partial old-age pension”.
Old-age pension and partial old-age pension
If you were born in 1964, you can start drawing part of your old-age pension when you turn 62. If you were born in 1965 or later, the qualifying age goes up gradually. Check your age limit using the retirement age calculator on the Tyoelake.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.
Receiving a partial old-age pension does not affect the amount of your earnings-related unemployment allowance or basic unemployment allowance. Unemployment benefits are calculated as usual, based on your employment history before you became unemployed.
However, the partial old-age pension may affect the labour market subsidy paid by Kela. If you get a labour market subsidy and are thinking of applying for a partial old-age pension, please check with Kela to find out how this may affect the amount of your labour market subsidy.
From 1 May 2026, the basic unemployment allowance and labour market subsidy paid by Kela will be replaced by a new benefit called the general social security benefit. The partial old-age pension will be considered income in the means testing of the general social security benefit.
If you are considering applying for a partial old-age pension, it is advisable to check in advance with Kela how the pension would affect any general social security benefit you may receive.
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.
You can claim your old-age pension by logging into the online application service (available in Finnish and Swedish). You need a Finnish identification token to log into this service. The link to the service is posted on the websites of most earnings-related pension providers and Tyoelake.fi.
Alternatively, you can fill out and print form 7001e.
You must claim the pension you earn for working while receiving a pension. You can claim it as soon as you reach the age at which you no longer need pension insurance. That age depends on your year of birth.
Submit your new claim for an old-age pension to the pension provider that pays out your pension.
Rehabilitation and disability pension
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.
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).
Survivors’ pension when your spouse or family wage earner dies
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