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Partial old-age pension

Part of the pension can be taken out before the actual retirement age

25 or 50% of the pension accrued until the end of the previous year can be taken out early, with reduction, from the age of 61.

When pension is taken out before the actual retirement age, the part that is taken will be reduced by 0.4% for each month that the pension is taken out early. The reduction is permanent.

If the partial pension is taken after the lowest age limit for old-age pension, it will be increased by 0.4% per deferred month.

An estimate can be calculated by using personal online banking codes.

Pension application

An application for partial old-age pension should be submitted approx. 2 weeks before the start of the pension. Electronic application or pdf form.

Working hours are negotiated between the emploee and the employer

Working is neither restricted nor required when drawing a partial old-age pension.

If an employee wishes to work fewer than the regular working hours in order to retire on partial old-age pension, the employer shall organize the work so that the employee may do parttime work. Accoring to the Working Hours Act the working hours shall be reduced in a manner agreed upon by the employer and the employee, taking into consideration the needs of the employee and the production and service activities concerned.

Read more (pdf)

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