Claim your pension
View connections →Apply for your pension when you want to retire. There is a separate application form for each type of pension.
Published by: Finnish Centre for Pensions · Company
Description language: English
Coverage: All Finland
About this service
Description
When you are about to retire, claim your pension with the appropriate application form (separate for each pension benefit). As a rule, claim your pension around one month before you want to retire. If you have resided or worked abroad, claim your pension approximately 3–6 months before you wish the pension payments to begin. You can apply for an old-age, disability or survivors’ pension from both the earnings-related and the national pension systems on the same form. Use one and the same form even if you have worked both in the private and public sector. Claim a pension from abroad with the same form as you claim your Finnish pension. Fill out Appendix U (with information on your work and living abroad) and attach it to your claim. The information on time you have spent working or living abroad is needed even if you don’t claim a pension from abroad yet. ### Old-age pension You can apply for your old-age pension when you reach your retirement age. You have to stop working before you can get your old-age pension. Resign from your job according to the terms of notice of your collective agreement. ### Partial old-age pension To qualify for a partial old-age pension, you must have been born in or before 1964 and be at least 62 years old. You can take out 25% or 50% of the amount of pension that you have earned so far. If you decide to take out a part of your pension early, the part of your pension that you take before reaching your retirement age will be permanently reduced. ### Disability pension Your disability pension or cash rehabilitation benefit (fixed-term disability pension) usually begins when your right to the sickness allowance ends. When you have received a sickness allowance for 150 days, Kela will notify you either of your rehabilitation opportunities or encourage you to claim a disability pension. You should submit your pension claim at this point to make sure that it can be processed before your right to a sickness allowance comes to an end. ### Survivors' pension There are two survivors’ pensions: the surviving spouse’s pension and the orphan’s pension. These pensions replace income that is lost when a family wage earner dies. You can apply for the surviving spouse’s pension with form 7004e and an orphan’s pension with form 7005e (separately for each child).