In our online service, you can calculate an estimate of your old-age pension in advance. Once you have applied for pension, it is no longer possible to calculate an estimate.
Calculate a pension estimate in Varma Online Service
Fill in the electronic pension application
Fill in a pension application online roughly two weeks before your intended start of retirement. If you have lived or worked abroad, you can fill in the application six months in advance. In that case, you must also fill in Appendix U (Residence and employment abroad). Appendix U must be filled in even if you are not yet applying for a foreign pension. Based on the information in Appendix U, the impact of your time abroad on your earnings-related pension and national pension will be determined.
Be sure to have your bank account number in IBAN format on hand, as it will be requested in the application. The application also asks you when you will stop working. You do not need to attach your letter of resignation to your application.
If you choose electronic service, you will receive your pension decision in your electronic archive. You will receive a notification when the decision is made. You can check your personal documents in your electronic archive.
Apply for old-age pension in Varma Online Service
Working during retirement and the maximum retirement age
If you have been working while drawing old-age pension, you can apply for pension for that part at the earliest starting from the beginning of the month following the month in which you turn 68. You do not have to stop working even if you apply for the pension that has accrued on your employment during retirement. You will no longer accrue pension, however. Your maximum retirement age, meaning the age when your pension accrual ends, depends on your year of birth. You apply for the pension that has accrued on your employment during retirement using an old-age pension application.
Read more on page Working during retirement
Old-age pension for the unemployed
A 62-year-old long-term-unemployed employee can receive old-age pension before reaching the minimum old-age retirement age if he/she was born before 1957 and is entitled to additional days of unemployment allowance. The amount of an unemployed person’s old-age pension is the same as the amount of accrued pension stated in the pension record. Old-age pension for the unemployed is applied for using the old-age pension application form.
Pension cover for the unemployed
Decision on old-age pension
You will usually receive a provisional decision on your application. The average processing time varies, but right now it is four days. A provisional decision is issued before all the information that affects the amount of your pension is known; for instance, the amount of your final salary. The final pension decision takes into account all factors, such as the increase for deferred retirement, that affect the amount of your pension.
Along with the decision, you will receive instructions that include important matters for pensioners, as well as a reminder to apply for a new tax card for your pension as soon as possible after your pension begins.
If you choose the electronic service, you will see the decision concerning your pension in your electronic archive. Otherwise, the decision will be sent by post to your home address.