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.
Your pension record tells you the amount of pension that you have earned up to the end of the previous calendar year. The record also includes information on the earnings you have got so far.
You can check and print your online pension record by logging into the website of your own earnings-related pension provider or Työeläke.fi. You need your Finnish online banking credentials to log into the pension record service. There’s a link to the service on each page of Työeläke.fi.
You can also call your pension provider or the Finnish Centre for Pensions (phone: +358 29 411 2110) to ask for a printed copy of your pension record.
Find out who your pension provider is by logging into the service Find your pension provider at Työeläke.fi. You need your Finnish online banking credentials to log into this service. There’s a link to the service on each page of Työeläke.fi.
The unemployment funds and Kela use the data on your pension record to calculate the length of your working history. You can check your online pension record by logging into the website of your own earnings-related pension provider or Työeläke.fi. You need your Finnish online banking credentials to log into the pension record service. There’s a link to the service on each page of Työeläke.fi.
If you need help with calculating your working history, contact your unemployment fund. If you’re not a member of an unemployment fund, contact Kela.
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 retire on a partial old-age pension when you have turned 61 years. 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.
If you were born in 1957 or earlier and you’ve got the unemployment allowance for 500 days and for additional days, you can apply for your old-age pension at age 62.
You can apply for your old-age pension by logging into the online application service (available in Finnish and Swedish). You need your Finnish online banking credentials to log into this service. The link to the service is posted on the websites of most earnings-related pension providers and Työeläke.fi.
Alternatively, you can fill out and print form 7001e.
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:
- children under the age of 18
- the surviving spouse, and
- a former spouse.
Cohabiting spouses do not have a right to survivors’ pension.
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).
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.