Applying for pension

When you wish to retire, apply for pension. The fastest and easiest way to do this is to fill in an application in our online service. You can apply for pension in various life situations. This page provides instructions on how to apply for different types of pension.

When you apply for pension in the MyPension service, we can process your application faster. Log in to the MyPension service with your personal online banking credentials or a mobile certificate.

We will do our best to ensure that you get the pension decision quickly. Please fill in the pension application with care and send us the necessary attachments to ensure fast processing. We often need information from your employer and sometimes from your treating physician. When we have received all of the information we require for making a pension decision we will read it carefully. After that, you will receive the pension decision.

Applying for different types of pension

1. Check your retirement age in the MyPension service

You can retire at the earliest at your lower retirement age. To find out your retirement age, use the MyPension service’s old-age pension calculator. The calculator also allows you to make pension estimates using different dates.

2. Terminate your employment relationship

When you know at what age you can retire on old-age pension, decide when you will retire. Agree with your employer on the termination of your employment relationship within the notice period. Your employment relationship must end at the latest on the day preceding the start of your pension.

If you have more than one employment relationship, terminate at least one of them.

3. Apply for pension in the MyPension service

After having agreed on the termination of your employment relationship, apply to us for old-age pension. Apply for it about one month before you wish your retirement to start. The easiest way to apply for pension is to fill in an application in the MyPension service.

You can use the same application to apply for earnings-related pension accrued on work in both the private and public sectors.

If you are also applying for Kela’s national pension and guarantee pension, indicate it in the application. In that case, we will submit the application to Kela on your behalf.

4. If you are an entrepreneur and you apply for pension

File the pension application in the MyPension service in time, about one month before retiring, because if your entrepreneurial activity continues, you cannot apply for pension retroactively. When you apply for old-age pension as an entrepreneur and your YEL insurance is in force, your insurance will automatically end on the day preceding the start of the pension.

However, if you have already terminated your YEL insurance, you can receive the pension for a maximum of three months retroactively. You can continue your work as an entrepreneur while on the pension. Read more about working while on a pension.

The MyPension service provides an easy and fast way to apply for partial old-age pension.

1. Apply for partial old-age pension

Indicate in the application whether you wish to start drawing your partial old-age pension at a rate of 25 or 50 per cent. You can estimate the amount of pension using the MyPension service’s pension calculator.

Apply for the pension about one month before you intend to retire. Partial old-age pension cannot be applied for retroactively. If you wish to increase the percentage of your partial old-age pension at a later stage, contact our customer service using the MyPension service’s ’Send a message’ feature.

If you were born before 1958 and you have been unemployed for a long period, you may be granted old-age pension for the unemployed at the earliest at the age of 62. This requires that you are paid unemployment allowance for additional days.

1. Find out about your eligibility for additional days

Check with the payer of your allowance if you are eligible for additional days of unemployment allowance. Contact your unemployment fund or Kela.

2. Apply for old-age pension for the unemployed and send us a certificate of additional days

Apply for old-age pension for the unemployed in the MyPension service. File the application about one month before your pension can start. You will start receiving pension at the earliest as of the beginning of the month following the arrival of the application. Old-age pension for the unemployed cannot be granted retroactively.

Request a certificate from the payer of the allowance, stating that you have received unemployment allowance for additional days for the month preceding the month in which the pension starts. Take a high-quality photo of the certificate or scan it and send it to us using the MyPension service’s ’Send a message’ feature.

Survivors’ pension helps you and your children when your spouse has passed away.

You can receive surviving spouse’s pension as of the beginning of the month following the death of your spouse. Your children can receive orphan’s pension as of the beginning of the month following the death of their parent.

File the survivors’ pension application despite your grief. If necessary, file two applications; one for the surviving spouse’s pension and one for the orphan’s pension. The most convenient way to send the applications to us is through the MyPension service. If you also are applying for Kela’s national pension and guarantee pension, indicate it in the application. In that case, we will submit the application to Kela on your behalf.

You can be granted survivors’ pension retroactively for a maximum of 6 months.


Read more about eligibility for survivors' pension >

If you work during your retirement, you accrue new pension until you reach the upper old-age pension age. Apply for this new pension separately by filling in an old-age pension application. When you can apply for this new pension depends on your situation.

  • If your employment relationship has begun after your retirement, apply for the new pension when you have reached your upper age for old-age pension.
  • If you have several employment relationships and you retire on old-age pension only from some of them, apply for pension from the continuing employment relationship when it ends.
  • If you work or have worked while drawing a disability pension, apply for the new pension when you have reached your old-age pension age and your employment relationship has ended. Your disability pension will be converted into old-age-pension without application, but you must fill in a separate old-age pension application to apply for the pension accrued on your work.

Examples

Example 1: You retire on old-age pension and terminate your employment relationship. You continue to work for the same employer in a new employment relationship for a year. You will no longer work after that time.

  • You accrued new pension for the year during which you worked and received pension. Apply for the new pension once you have reached your upper old-age pension age. File a new old-age pension application.

Example 2: You have two continuing employment relationships, A and B. You retire on old-age pension from the employment relationship A, and your employment relationship ends. The employment relationship B continues while you are on the pension. You continue to work in the employment relationship B for a year.

  • The old-age pension you receive does not include the pension accrued on the employment relationship B. Apply for the pension accrued on the employment relationship B when the employment relationship has ended. File a new old-age pension application.

Example 3: You have two continuing employment relationships, A and B. You retire on old-age pension from the employment relationship A, and your employment relationship ends. The employment relationship B continues while you are on the pension. You continue to work in the employment relationship B for a year. After that, you conclude a new employment contract with the company C, for which you continue to work even after you have reached your upper old-age pension age.

  • The old-age pension you receive does not include the pension accrued on the employment relationships B and C. Apply for the pension accrued on the employment relationship B by filing an old-age pension application when the employment relationship B ends. Apply for the new pension again for the employment relationship C once you have reached your upper old-age pension age. Fill in a new old-age pension application.

Example 4: You retire on disability or partial disability pension and you continue working in an employment relationship while on the disability pension.

  • Your disability pension will automatically convert into old-age pension at your lower old-age pension age. The disability pension you receive does not include the pension accrued from the employment relationship during your pension. Apply for the pension accrued during the pension by filing an old-age pension application when you have reached your lower old-age pension age and your employment relationship has ended.

How to apply for disability pension

Fill in the disability pension application in the MyPension service for about three months before your possible sickness allowance paid by Kela ends. Attach to the application a Medical Statement B on your state of health that is no older than six months.

Read more about applying for the disability pension

How to apply for an extension to the cash rehabilitation benefit

If you apply for an extension to your cash rehabilitation benefit, you do not need to file a new pension application, just send us a new Medical Statement B on your state of health. The easiest way to do this is to go to the MyPension service, ’Apply for pension – Apply for an extension to the cash rehabilitation benefit.

Read more about the cash rehabilitation benefit

How to apply for years-of-service pension

Apply for years-of-service pension by filling in the application available through the link below. Attach to the application a Medical Statement B and an account of your work. You can send the application with its attachments by post or using the MyPension service’s ’Send a message’ feature.

Read more about the years-of-service pension

Estimated processing times for pension applications

Earnings-related pension you have applied for Which application should you fill in? When will you receive the pension decision?
Old-age pension or partial old-age pension Old-age pension application or partial old-age pension application During the month in which your pension begins
Survivors' pension Survivors' pension application Within one month
Disability pension or cash rehabilitation benefit Disability pension application and Medical Satement B Within 1-2 months
Application for an extension tho the cash rehabilitation benefit New Medical Statement B Within one month
Years-of-service pension Years-of-service pension application, medical statement B and account of work Within 1-2 months

When to retire?

You can retire on old-age pension based on your birth date. You may be entitled to a pension also if your work ability weakens or if your spouse passes away.

Read about when you can retire

Did you receive a pension decision?

Each year, around 30,000 Finns receive a pension decision from us. When we have processed your pension application, you can view your pension decision in the MyPension service.

Read more about the pension decision