Amount of pension

See detailed instructions for checking the pension record.

If you notice any missing information in your earnings information preceding 2019,

• submit a request for clarification or
• report an error in public-sector earnings information to Keva.

• Also check your pension coverage during unsalaried periods
• The life expectancy coefficient affects the pension amount (FCP)

If you have not yet applied for pension, you can calculate or order an estimate:

Retirement ages will change gradually for those born in or after 1955. Pension accrues on earnings at a rate of 1.5% annually. During the transition period between 2017 and 2025, pension will accrue at a rate of 1.7% per year for those aged between 53 and 62. The increase for deferred retirement will raise your pension by 0.4%/month if you delay your retirement until after you reach your lowest retirement age. You will not receive the increase if you

• receive unemployment benefits
• already receive old-age pension
• receive disability pension

The amount of pension is affected by the life expectancy coefficient (FCP).

Varma secures your earnings-related pension (pdf)

To estimate your future pension and to check your retirement age use our pension calculator or log in to our eServices.

How to apply for old-age pension
Old-age pension (pdf)

A 62-year-old long-term unemployed employee can receive old-age pension if he/she is born before 1958 and he/she is entitled to additional days of unemployment allowance. You can check your accrued pension from your pension record.

How to apply for old-age pension for the unemployed
Pension cover for the unemployed (pdf)

Partial old-age pension is 25 or 50 per cent of the pension you have accrued. Age limit is 61 years.

You can estimate the amount of your partial old-age pension by  using our pension calculator or by logging in to Varma's eServices.

Plan your partial old-age pension well

How to apply for partial old-age pension
Partial old-age pension (pdf)

You are entitled to disability pension (or the fixed-term rehabilitation benefit) if you have not yet reached retirement age and your workability has deteriorated considerably. The amount of pension is affected by

• the amount of pension accrued during your career and
• the pension for projected pensionable service.

The partial disability pension is half of the full pension.

You can calculate an estimate of your disability pension in our online service.
How to apply for disability pension
Disability pension (pdf)
Income during rehabilitation

You may consider applying for the years-of-service pension, if

• you are 63, but have not yet reached retirement age
• you have performed strenuous and wearing work for at least 38 years and
• your workablity is reduced by illness

The years-of-service pension consists of the pension the person has accrued until retirement without any registered supplemental pension.
Should you apply for years-of-service pension?
Years-of-service pension (pdf)

The survivors’ pension can be granted to a child under 18 years of age, a spouse or a partner in a registered partnership. A common-law spouse is not entitled to survivors’ pension.

The pension is determined by the number of beneficiaries and is at maximum equal to the primary beneficiary’s employment pension. The surviving spouse’s pension may be decreased, if there are no children under the age of 18.

Check the surviving spouse’s right to pension.
How does the surviving spouse’s employment pension influence the surviving spouse’s pension? Calculate
How to apply for survivors’ pension
Survivors' pension (pdf)

The surviving spouse can receive survivors' pension if the marriage was entered into before the primary beneficiary turned 65. When the deceased person and his/her spouse have no common children, there are conditions on the granting of survivors’ pension related to the widow(er)’s age, marital status and duration of marriage. A common-law spouse is not entitled to a survivors' pension.