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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.
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
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:
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.
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:
You can be granted disability pension retroactively for 6 months.
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:
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
If your work capacity has weakened and you are interested in applying for years-of-service pension, follow these steps:
If you are planning to retire on partial old-age pension, follow these steps: