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Responsible for the service Finnish Centre for Pensions

Claim your pension

  • Service
  • Nationwide
  • Public service

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 6–9 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 can apply for this pension from both the earnings-related and the national pension scheme (Kela) at the same time.

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

You can retire on a partial old-age pension as of age 61. 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

The length of the period for which you have received a sickness allowance determines when you can apply for a disability pension and the cash rehabilitation benefit. When you have received a sickness allowance for 150 days, Kela will notify you either of your rehabilitation opportunities or encourage you to apply for a disability pension. You should submit the pension application 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).

Do the following

You can claim your pension online. Most pension providers offer an online pension claim service (some also in English). You can start filling out your claim directly from the site with the benefit-specific instructions.

If your own pension provider does not offer an online application service, you can fill in a paper form or print out a form that you have filled in online. Go to the footer or menu of to find the form.

If you work in the private sector or are self-employed, you can hand in your application to any pension provider, the Finnish Centre for Pensions, a Mela insurance agent or a Kela office. If you work in the public sector, that is, for a local government, the State, Kela or the Evangelical Lutheran Church, apply for your pension from Keva.

Attach medical statement B, detailing your health, to your application for a disability pension. If you are not receiving or applying for a sickness allowance, you can apply directly for a cash rehabilitation benefit or a disability pension.

To whom and on what terms

The service is free of charge.

Basic information

The service is provided byFinnish Centre for Pensions
Responsible for the serviceFinnish Centre for Pensions
Area Whole Finland
Available languagesFinnish, Swedish
Text edited by: Finnish Centre for Pensions
Updated: 21/4/2022