From sick leave to work, rehabilitation or retirement
Digital application and decision speed up the process
Before applying for pension, you can estimate the amount of your pension in our online service if necessary.
You can apply for both earnings-related and national pension at the same time. Are you eligible for national pension? Check
If you have lived or worked abroad, apply 6 months before the start of the pension. Also fill in the digital Appendix U Residence and Employment Abroad.
If an illness is making it difficult for you to continue working, consider applying for rehabilitation.
Is your employee about to retire? What should the employer do? (pdf)
Log in using banking codes or a mobile certificate. Have your IBAN account number on hand for filling in the application.Applications
Please note that when you decide to retire on full old-age pension, you must apply for it separately.
Partial old-age pension (pdf)
You can think about applying for disability pension roughly 3 months before your period of receiving daily sickness allowance ends, when you have discussed your return to work, rehabilitation and retirement with your doctor and
Also think about whether you should apply for partial disability pension.
If your doctor has given you a Medical Statement B, including an opinion on your workability, you may apply for the pension. You can send us the statement when you fill in the electronic pension application.
Be sure to have your bank account number (in IBAN format) on hand, as well as information about this and last year’s employment periods and daily allowance periods.
If your earnings-related pension is small, you can also apply for national pension at the same time.
If you are granted full disability pension, the pension will usually begin after you have received daily sickness allowance for 300 days, i.e. approximately one year after the illness began.
Disability pension (pdf)
Were you born in 1955?
Have you performed strenuous and wearing work for at least 38 years?
Have you had breaks totalling more than 3 years during your career?
Are you currently working, or has it been less than one year since you stopped working?
Do you have a reduced ability to work due to illness?
Are you prepared to obtain a Medical Statement B to attach to your application?
Are you prepared to describe your work for at least the past 38 years in your pension application?
The years-of-service pension is probably not the right option for you. Learn more about other types of pension: disability pension, old-age pension, partial old-age pension.
You can consider applying for the years-of-service pension. The lower age limit is 63 years. Since, for those born in 1955, the lowest age of retirement is 63 years and 3 months, you could collect the years-of-service pension for 3 months at the most.
If you were born in 1954, your minimum retirement age is 63 and you can consider applying for old-age pension. If you meet the conditions for the years-of-service pension and decide to apply for it, take the following steps:
If you were born in 1955, you can consider applying for years-of-service pension.
Please note that for those born in 1955, the minimum age of retirement is 63 years and 3 months, which means you would collect the years-of-service pension for 3 months at the most.
Years-of-service pension (pdf)
Apply for survivors’ pension as soon as possible but no later than 6 months following the death of the primary beneficiary, because, unless there is a specific reason, survivors’ pensions are not payable retroactively for more than six months.
The fastest way to submit your application is through Varma's eServices.
Survivors' pension (pdf)
Spouse's pension application
Orphan's pension application
- Information for pension applicants
Residence and employment abroad, appendix U
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.
Send an encrypted message at the address https://turvaposti.varma.fi
Enter your own email address as the sender.
Enter skannausEpa@varma.fi as the recipient.
Click Continue. Enter the subject and your message. Include the required attachments. Press Send.
A common-law spouse is not entitled to survivors’ pension.Check right to pension
Read online or print out a brochure that provides you with information about pensions.
Waiting for a pension decision can seem to take a long time. You can follow the processing of your application on our web service.
The average processing time for old-age pension is about one month on average. Submitting the application earlier will not expedite the process; we will be able to make a decision only after we have received the final, actual pay information from your employer. For this reason, you should not apply until two weeks before the start of the pension. If you have been working abroad, the processing takes longer than average.
The processing time for early old-age pension is about two weeks.
The processing of a disability pension application takes about seven weeks on average. It is a good idea to apply for pension three months before the 300 days of daily sickness allowance come to an end. You will more likely receive a pension decision from us before the payment of your daily sickness allowance ends.
A survivors’ pension decision is normally made within two weeks. It is possible to follow the processing of a surviving spouse's pension application online.
Have you received a decision from Varma that you are dissatisfied with? You have the right to appeal the decision within 7 + 30 days of posting the decision. If you have opted for an electronic decision, the appeal period is 3 + 30 days.
Instructions for Appeal are attached to the decision and you should read them carefully before appealing the decision. If we cannot change the decision about your application in the manner you request, we will forward your appeal to the Employment Pension Appeals Board.
The appeal must arrive at Varma at the latest by 4 pm (Finnish time) on the last day of the appeal period. If the last day of the appeal period is not a weekday, the appeal can be submitted on the following weekday.
You can take a closer look at the electronic form before filling it in. The connection is secure.Go to the form
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The electronic application service ensures that no information is missing from your application. Varma will receive it immediately and you can follow-up on its processing.Log in
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