As of 2017, pension accrues on gainful employment starting from the age of 17. As of 2005, the age limit was 18 and before that it was 23. The changes to the age limits did not take effect retroactively.
A self-employed person can take out YEL insurance at the earliest at the age of 18. Pension accrues based on confirmed income under YEL insurance from that age on.
Your pension record provides you with
- up-to-date information on the amount of pension you have accrued
- an estimate of the amount of your future pension. The estimate is calculated under the assumption that your earnings level will remain at the current level until you reach the age of retirement.
- a list of your employment history and the earnings on which your pension is based in a PDF. The name of your employer may have changed, but it does not affect the amount of your pension or your reported earnings.
If you receive partial old-age pension, our online service only shows you your earnings information starting from the year when your pension began.
The pension record contains information on pensions that have accrued under Finland’s earnings-related pensions acts. The pension record does not contain information on work performed abroad for a foreign employer. A pension received from abroad may reduce the amount of pension shown in the calculation.
The pension record does not take into account a possible reduced retirement age or voluntary supplementary pensions.
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