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Apply for pension when the time is right

When you wish to retire, apply for pension. The more carefully you fill in your application, the faster you will receive your pension decision. And your pension. Apply for pension when the time is right. That depends on your life situation – and on what pension you are applying for.

Apply for pension online or on paper

To apply for pension, fill in the application form for the pension in question. 

You can easily fill in and send an application online.

If you prefer to fill in a paper application it is available on our website. Fill in the application, print it out, sign it and send it to us at Ilmarinen to this address: 

Ilmarinen Mutual Pension Insurance Company
PB 1
00018 ILMARINEN

 

First a pension decision, then the pension

We strive to issue old-age and partial old-agepension decision during the month in which the pension begins. Our processing time for survivors’ pensions is on average 2 months. Making a decision concerning disability pension takes a while longer: you will receive it within 3 months. We will make the pension decision once we have received all of the information we need to make the decision, in addition to your application. 

Fill in the application carefully and attach to it all of the documents that we will need to make the decision. If you have worked abroad, fill in a U form so that we can apply for the pension from abroad on your behalf. 

Your first pension will be paid into your account within about a week of you having received the decision. 

You can retire on old-age pension between the ages of 63 and 68. Whenever you are ready to. If you were born in the 1950s and you have been unemployed for a long time, you can apply for pension at the age of 62. If you are on disability pension, your pension will automatically, without an application, transform into old-age pension when you turn 63. 

As an employee, you can retire on old-age pension at the earliest at the beginning of the month following the end of your employment relationship. If you are a self-employed person, you can retire on old-age pension at the beginning of the month following the end of your YEL insurance. 

If you are an employee planning to retire on old-age pension, follow these steps: 

  1. Agree with your employer when your employment relationship will end.
  2. Submit the old-age pension application about one month before you intend to retire.
  3. Indicate in your application the date as of which you will retire.
  4. We strive to issue the pension decision during the month in which the pension begins.

If you are a long-term unemployed person, attach to your application a certificate concerning your continued unemployment benefit. If you are applying for old-age pension for a person whose guardian you are, attach the appointment of guardian to your application. 

If you are a self-employed person applying for old-age pension and your YEL insurance is still valid, we will terminate it automatically. Submit the application about one month before you intend to retire.In that case, you cannot apply for pension retroactively. 

If your employment relationship or your YEL insurance has already ended, apply for pension without delay, as you can only receive it retroactively for a maximum of three months. If you are applying for an old-age pension targeted at long-term unemployed persons, you will not receive it retroactively at all. 

If it seems that your old-age pension will remain small it can be supplemented with the national pension. You still only need to fill out one application and send it to us. State in your application that you are also applying for the national pension so that we can forward your application to Kela on your behalf. 

You may also continue working while on pension. In that case you will be accruing new pension in addition to your current one. When the day comes when you retire completely, submit a new old-age pension application. The new pension will then be paid into your account once you turn 68 or thereafter. 

Apply for old-age pension (in Finnish)

You can also fill in the application, print it out and send it to us.

You can apply for disability pension when you have not reached your retirement age yet. And when your work capacity has weakened due to an illness or injury for at least a year. Your disability pension will usually begin at the beginning of the month following the end of your daily sickness allowance. 

When you wish to receive your pension, follow these steps: 

  1. Find out whether vocational rehabilitation could help you return to working life.
  2. Submit the disability pension application approximately 3 months before you wish your pension to start, unless you have been invited to apply for pension earlier. By acting in a timely manner you can be sure to receive daily sickness allowance or pension or both without interruption. This applies to both continuous and fixed-term disability pension, i.e. cash rehabilitation benefit.
  3. If you wish to speed up the processing of your application, ask your latest employer for a description of your work tasks and how well you have coped.
  4. Attach a medical certificate B dating no more than six months to your application. If you are self-employed, also attach to your application the Entrepreneur’s Account form.
  5. You can attach the description provided by your employer to your pension application if you so wish. If you do not attach it to your application, we will ask your employer to send it to us after we have received your application. 

You can be granted disability pension retroactively for 6 months. 

Apply for disability pension

Survivors’ pension helps you and your children when your spouse has passed away. You will receive the surviving spouse’s pension and your children under 18 years of age will receive the child’s pension. You can receive surviving spouse’s pension as of the beginning of the month following the death of your spouse. Similarly, children can receive a child’s pension as of the beginning of the month following the death of their mother or father. 

Despite your sorrow, we advise that you apply for survivors’ pension as soon as possible because it can only be granted retroactively for a maximum of 6 months. Follow these steps: 

  1. Fill in a surviving spouses’ pension application Fill it in even though you are only applying for child’s pension and not for the surviving spouse’s pension. The surviving spouse’s pension application is required for calculating the child’s pension.
  2. Fill in one child’s pension application for each child. If you are the child’s guardian, attach the appointment of guardian to your application.
  3. If you are an ex-spouse and you received continuous child support from the deceased, attach the agreement on child support to your surviving spouse’s pension application. 

Apply for surviving spouses’ pension

Apply for child’s pension

If old-age pension seems to be too far away and you are not eligible for disability pension, one option might be years-of-service pension. You can apply for it if you are an employee, self-employed or unemployed. And when

  • you are 63 years or over
  • you have not yet turned your lower old-age retirement age
  • you have performed strenuous and wearing work for at least 38 years
  • your work capacity has weakened due to an illness or injury
  • your latest employment relationship or self-employment and YEL insurance have ended no more than one year ago.

 

If your work capacity has weakened and you are interested in applying for years-of-service pension, follow these steps:

  1. First seek help from vocational rehabilitation. It offers you five alternatives for returning to working life. We provide financial support for each of them. Think about which one would suit you best and apply for it.
  2. Find out whether it is possible for you to retire on disability pension. If it is, apply for it because it will be larger than the years-of-service pension.
  3. If you wish to know how large your years-of-service pension will be, ask us for a preliminary calculation.
  4. If, even after the preliminary calculation, you are still not entirely sure whether you want to retire on the years-of-service pension, you can still apply for it. When applying for years-of-service pension you will first receive a preliminary decision, which will let you know whether it is possible for you to retire on years-of-service pension or not. The preliminary decision is in force for six months. If you wish to retire on years-of-service pension, let us know during that period. Or appeal the decision if it is negative.
  5. If you keep working, agree with your employer on your work input and pay. Your salary or wages must be less than EUR 784,52 per month (2019 level). If you are self-employed, reduce your YEL income to below EUR 9,414.24.

If you are planning to retire on partial old-age pension, follow these steps:

  1. Find out the size of your partial old-age pension. Also find out how it impacts your old-age pension. Ilmarinen’s pension calculator can help you with both of these.
  2. Decide whether you will begin to withdraw half or a quarter of your partial old-age pension.
  3. If you want to reduce your working hours, discuss it with your employer. It is the only decision required from your employer. As a self-employed person you must, naturally, make your own decisions.
  4. Apply for pension about one month before you intend to retire. Remember to apply for it well in advance as it is not paid retroactively. Applying for pension is easy: just fill in an application.
  5. You will receive the pension decision, at the latest, during the month in which you will begin to receive the pension. The decision will show the amount of pension and how it is formed.
  6. Pension income is subject to tax in a different way than earned income is. So apply for a new tax card for your pension from the tax authorities immediately once you have received the pension decision from us. That is all that is required from you as the tax authorities will send your tax card directly to us.