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Applying for pension

Digital application and decision speed up the process

Apply at the right time

In most cases, old-age pension applications are processed within two or three weeks. Applying for a disability pension usually takes longer.

If you have lived or worked in an EU or EEA member state, Switzerland or a social security agreement country, submit the application in Varma’s eServices at the earliest six months before pension starts. If you have lived or worked in a country other than the ones mentioned above, apply for pension directly in the country in question.

Regardless of the country you have lived or worked in, always fill in the Appendix U, Residence and Employment Abroad, by logging in into our eServices. Note! The Appendix U must be filled in even if you did not apply for pension work carried out abroad because its information is used in determining the effects that your residence abroad has on your earnings-related pension and national pension. 

How to apply for old-age pension

At work

Following the pension reform in 2017, your pension will accrue at 1.5%/year. In addition your pension will increase by 0.4%/deferred month if you continue to work after turning 63.

You can retire on old-age pension at your discretion at any time between the ages of 63 and 68. Discuss retirement matters at your workplace, say, in a personal development discussion.

The pension begins after the end of the employment relationship at the earliest at the beginning of the month following the month in which you turn 63.

If you are between the ages of 53 and 62 your pension will accrue at a rate of 1.7%/year and at a rate of 1.5%/year after you turn 63. In addition your pension will increase by 0.4%/deferred month if you continue to work after turning 63.

You can retire on old-age pension at any time you wish between the upper and lower retirement age limits. The impact of the increase for deferred retirement (0.4%/year as of 2017) based on the pension reform at the target pension age would be equal to the reduction resulting from the life expectancy coefficient at the minimum retirement age.

Discuss retirement matters at your workplace, say, in a personal development discussion.

The pension begins after the end of the employment relationship at the earliest at the beginning of the month following the month in which you reach the minimum retirement age.

Applying for pension

Your minimum retirement age is @MinYear @MinMonth, your target retirement age is @TargetYear @TargetMonth and your maximum retirement age is @MaxYear.
Your minimum retirement age is @MinYear @MinMonth and your maximum retirement age is @MaxYear.
  1. Decide when you want to retire.
  2. Agree on the end of your employment well ahead of time.
  3. Apply for pension two weeks before pension starts. If you have lived or worked abroad, apply for pension at the earliest six months before pension starts and also fill in the Appendix U, Residence and employment abroad.
  4. You will receive a final pension decision only once the employer has notified the Incomes Register of the end date of the employment relationship and the payroll information.
  5. You will receive a message when we have made the decision on your pension.  If you had not ordered pension documents to your  electronic archive we will  send the decision by post to your home address.
Fill in the electronic application

Retired

Your pension will be paid into your account after the decision has been sent. In future, the pension will be paid into your account on the first banking day of each month.

The employee pension card that entitles you to pensioner discounts will arrive at your home address within around 2 weeks of the decision. You can also save your electronic employee pension card on your smart phone.

You may take on work after you have retired. Working while on a pension accrues pension at a rate of 1.5% per year without an income limit.

Old age pension in a nutshell

Old-age pension (pdf).

Pdf-applications

If you cannot submit the application through eServices use pdf-applications in Työeläke.fi. Please fill in the form preferably on your computer screen, print it out and sign it. You can send in an application either by post to Varma, P.O. Box 3, FI-00098 VARMA or you can scan your signed application and send it in a secure email.

Spouse's pension application (pdf).
Orphan's pension application (pdf).
- Information for pension applicants (pdf).

Residence and employment abroad, appendix U (pdf).

How to send a secure email to Varma

Send an encrypted message at the address https://turvaposti.varma.fi

  1. Enter your own email address as the sender.
  2. Click Continue. Enter the subject and your message. Include the required attachments. Press Send.
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