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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.

Varma’s earnings limit service expanded at the end of November

We have expanded our earnings limit service, with improved accessibility to the service. As of the end of November, all our customers who are on a disability pension can use our eServices to check how much it is possible to earn while working during retirement. To check your personal earnings limit, log in to our eServices by identifying yourself with your personal online banking codes or a mobile certificate.

You should check your earnings limit on an annual basis because the limits are usually changed at the turn of the year.


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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