Pension providers grant and pay out pensions

The earnings-related pension providers collect the pension contributions, administer pension funds and grant and pay out pensions. Employers and the self-employed can take out pension insurance with any one of the earnings-related pension providers.

Pension providers in the private sector include

  • earnings-relate pension insurance companies,
  • special earnings-related pension insurance companies,
  • company pension funds, and
  • industry-wide pension funds.

Keva administers public sector pensions.  Although there are several pension providers, they are jointly liable for earnings-related pensions. That means that earned pensions will always be paid. Even if your employer or your pension provider were to go bankrupt, you do not lose you right to the earnings-related pension  that you have earned.

Your own pension provider is the pension provider that is currently insuring or has most recently insured your work. Contact your own pension provider when you have questions about your pension record, your future pension or how to claim your pension.

Which one is my pension provider?

If you are not sure about which pension provider has insured your work, you can find out which one is your pension provider and what services it offers by logging into the service ‘Find your pension provider’.

If you cannot log in, contact the Finnish Centre for Pensions by

  • phone: +358 29 411 2110, or
  • e-mail: asiakaspalvelu(at)etk.fi.

The Finnish Centre for Pensions’ statutory role is to develop earnings-related pension provision, provide expertise and produce joint services for the pension scheme.