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Private customer

Learn about earnings-related pension benefits

  1. Front page
  2. Private customer

Your future pension

You can easily see how much pension you have accrued in your pension record. For those born in 1956, the lowest age of retirement is 63 years and 6 months and for those born in 1957, 63 years and 9 months.

  • To estimate your future pension and
  • to check your age of retirement use our pension calculator.

You can also use the calculator to estimate the new partial old-age pension.

 

See how different types of pension are formed.

Amount of pension

Apply for pension

You can fill in the application easily on our website. You can also opt for a digital pension decision:

You can easily submit for example  your old-age pension application two weeks before the start of retirement but it is a good idea to start planning for your retirement long before this.

Go to application instructions

Current issues

Our customer service is available as usual through phone and chat, and pension and rehabilitation applications are processed and pensions paid in the normal manner despite coronavirus. 

See the answers to frequently asked questions about coronavirus situation for example

How does a termination of employment/becoming unemployed affect pension cover?
What should I do if my rehabilitation programme is suspended or it is prevented from beginning?

New features in eServices

The electronic earnings-related pension record has now been renewed and is available.  On the earnings-related pension record, you can view up-to-date information on your accrued pension and check your earned income and benefit data at your convenience. Check the information annually. 

Log in to our eServices and view your earnings-related pension record

Rehabilitation

If an illness is making it difficult for you to continue working, look into your possibilities for vocational rehabilitation, i.e.:

  • a work trial
  • job coaching
  • vocational training or
  • a business subsidy

Find out about your options, the application process and compensation.

Start planning your rehabilitation

Pensioner

We collected all the information you need to know about

  • pension payment days
  • pension taxation
  • changing your bank account
  • pension certificates, and
  • the employee pension card

You can also find out how moving abroad affects your pension.

Manage your pension matter

Working during retirement

You may work while collecting old-age pension without any impact on your pension paid by Varma. Disability and part-time pension are subject to an earnings limit that the pensioner should be aware of.

Apply for the payment of a new pension accrued during retirement no later than at the age of 68.

Instructions for working during retirement

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