Pensions earned abroad
If you have worked abroad while employed by a foreign employer or in business as an entrepreneur, apply for the pension that has accrued from this work from the pension provider in the country of employment. The Finnish Centre for Pensions sends your application abroad if you live in Finland and apply for a pension in an EU member state, Switzerland or a country that has a bilateral social security agreement with Finland.
Submit your application for a foreign pension approximately half a year before you want to start receiving a pension. However, the processing of a pension application may take longer in other countries than in Finland, even up to several years. Please note that the age limits for old-age pension vary by country, and you may be eligible for a foreign old-age pension at a time earlier or later than in Finland.
If you have worked in the EU countries, Norway, Iceland, Liechtenstein, Switzerland, Chile, South Korea, India, Israel, Canada or the United States or in another Nordic country, Netherlands, Australia or Canada, you can apply for a foreign pension with the same application form as you apply for a Finnish pension.
Carefully fill in the required attached forms. Submit your electronic or paper application to your pension provider, Kela or the Finnish Centre for Pensions.
If you have worked in another country not included on this list, contact the country's pension authorities and ask for instructions. You can find the contact information for pension authorities on the www.issa.int website or ask for these from the Finnish Centre for Pensions.
No, you cannot. If you have an agreement with a foreign employer on other pension schemes than the statutory ones, you must personally apply for the pension from the pension provider in question.
A foreign pension will not influence the earnings-related pension you are paid in Finland, but it may affect your national pension or other social benefits e.g. social assistance or housing allowance. Ask Kela about this before submitting your application.
Yes. A foreign pension will be taxed in Finland as income, and you must notify the tax authorities of this income.
The possibility of double taxation has been eliminated with the credit and exemption methods. You can receive credit for taxes paid in a foreign country or an exemption from paying taxes in Finland. Credits are used more often than exemptions. You can only be exempt from paying taxes in Finland, if Finland and the other country in question have entered into a tax agreement than requires this.