We support you in a world that’s going through incredible change
Varma provides pension insurance for Finnish work and is a pioneer in work ability management. We are also a responsible and solvent investor. As our customer, you can always rest assured that we invest your pension assets responsibly and profitably for future pensions. From us, you get professional service that is appropriate for your situation in all matters related to pensions and coping at work. We are there for you in changes, big and small, during and after working life.
Varma’s 2023 result
Return on investments 6.0% – strong year-end performance driven by listed equities.
Current pension issues at the turn of the year and the beginning of the year
Turn-of-the-year letter
Our letters to customers at the turn of the year can now be read in Varma Online Service. In the letter, you can find the amount of the 2024 pension with the index increment, benefits paid in 2023 and the withholding amount. We will also send the turn-of-the-year letter by mail to our customers.
What has changed in pensions at the turn of the year?
You can find pension age limits, index increments and other important figures for private customers this year in our news article.
Please return the residence report as soon as possible
If you have Finnish online banking credentials, you can submit the residence report through our online service. The residence report must be returned with your signature even if your circumstance have not changed from the previous year.
Information about pensions in Finland on 14 March
In this webinar you will hear how finnish pension system works. What are the pension alternatives and how to apply for pension you have earned in Finland?
Read more here and sign up
It’s a new year – have you already checked your latest pension amount?
In the electronic earnings-related pension record, check your information for the previous year and your entire work history. In the pension record, you can also see the amount of your accrued pension at the 2024 level.
If employment ends before retirement age
Did you lose your job? How does unemployment affect your pension if it ends before retirement age?
Read more about how unemployment affects the amount of pension
More information for private customers
Accrual of pension
Apply for pension
During retirement
Rehabilitation
Rental apartments
Help with using our services
Take care of your pension matters online
In our online services for a private customer you can, e.g.
- calculate an estimate of the amount of your pension in advance
- apply for pension or rehabilitation
- see how the processing of your application is progressing
- view decisions and documents in the electronic archive
- use services for pensioners once you have received a decision
- send and receive messages and attachments.
Log in using your personal banking codes or Mobile ID.