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Private customer

Learn about earnings-related pension benefits

Your future pension

You can easily see how much pension you have accrued in your pension record. For those born in 1955, the lowest age of retirement is 63 years and 3 months and for those born in 1956, 63 years and 6 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.

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.

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. Our customer service point in Salmisaari, Helsinki is closed until further notice.

New features in eServices

Starting from March, the updated Processing of the application page in eServices offers you the opportunity to follow more closely how the processing of your pension or rehabilitation application proceeds, all the way from the arrival of the application to decision-making. You can also see more detailed information of different processing phases.

If you are just applying for pension or rehabilitation, you can now find all pension and rehabilitation applications on a single page. We have also moved the rehabilitant’s notification of studies and commuting invoice to the Applications and notifications page.

We wanted to ensure that the updated pages would meet the needs of our customers as well as possible, so a few members of our customer jury tested the pages before they were launched. All customer feedback is valuable to us now and in the future as we keep on developing our services. By giving feedback, you can influence the development.


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.


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.

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.

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