The earnings-related pension based on past employment is the main source of income for most Finnish pensioners. If you do not receive any earnings-related pension or your earnings-related pension is small, Kela can pay you a national pension. The earnings-related pensions are granted and paid by pension insurance companies. The pensions of the employees of local and central government, the Evangelical Lutheran Church of Finland and Kela are managed by Keva.
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When you retire
You can retire flexibly according to your health and whether you feel willing to work. The later you retire, the larger your pension will be.
If you have taken part in working life, your old-age pension will be in the form of an earnings-related pension. If your earnings-related pension is very small, you will receive a national pension to supplement it.
Pensions before retirement age
If your working ability has declined or you wish to cut down on the amount of work you do before reaching retirement age, there are various options available.
Pensions earned abroad
If you have worked abroad while employed by a foreign employer or in business as an entrepreneur, the pension that has accrued from this work must be applied for from the pension provider in the country of employment.
Payment of pensions to persons who reside abroad
If after you retire you live or stay in a country other than Finland, you will have to consider the best way to manage your finances.