Working while getting a pension

You can start in a new employment or work as a self-employed person while you draw an old-age pension. In that case, you will accrue new pension at a rate of 1.5 per cent of your new annual income until you reach the age when your insurance obligation ends.

If you work while you get a pension, you need a separate tax card for your wage.

Read more about how your pension will be paid and taxed

If you work as a self-employed person while drawing an old-age pension, you can take out voluntary pension insurance. You will accrue new pension based on your pension-declared income for self-employment.

Read more about pensions for the self-employed

You have to claim the pension  you have earned for work or self-employment in retirement. You will be paid out the new pension once you have reached the age when your insurance obligation ends. That age depends on when you were born.

Age when your insurance obligation ends
Year you were born Age when your insurance obligation ends
1957 or earlier 68
1958-1961 69
1962- 70

Go to instructions on how to claim the old-age pension

If you consider working while drawing a disability pension, contact your pension provider to find out how much you can earn without it affecting your disability pension. If you are on an old-age pension, there are no limits to how much you can work or earn.

If you want to work while drawing a disability pension, contact your pension provider to find out how much you can earn per month without it affecting your disability pension.

Even if your individual earnings limit were smaller, you can always earn at least 837.59 euros per month (in 2021).

If you are on a full disability pension, you can earn a maximum of 40% of what you earned before you retired on the disability pension. If you are drawing a partial disability pension, the earnings limit is 60% of your previous earnings.

If you earn above the limit, your pension may be interrupted or cancelled altogether. It may also be converted into a partial disability pension.

The new pension you accrue for the work you do while drawing a disability pension will be paid out when your disability pension becomes an old-age pension. That happens when you reach your retirement age. You have to apply for this new pension separately.

Take a break in the payment of your disability pension

You can leave your disability pension dormant, that is, take a break in its payment, while you work. The pension can be left dormant for at least three months and for no more than two years at a time.