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How to apply for partial old-age pension

  1. Plan. Estimate the amount of your pension Also think about whether your current employment earnings will change, because working while drawing partial old-age pension is voluntary. You can also think about when you intend to switch to full old-age pension.
  2. Arrange. If you are employed and wish to reduce your working hours, you must arrange that with your employer. If you are an entrepreneur and your work input changes as you begin drawing partial old-age pension, be sure to indicate the amount of your new earned income under the Self-Employed Persons Pensions Act (YEL) in your pension application. Entrepreneurs must have YEL insurance if, while they are drawing partial old-age pension, the amount of their work input exceeds the lower limit for the mandatory insurance €7,958.99 in 2020 (€7,799.37 in 2019).
  3. Apply. Apply for the pension 2 weeks prior to the start of your retirement. Partial old-age pension can begin, at the earliest, at the start of the month after it was applied for.

Please note that when you decide to retire on full old-age pension, you must apply for it separately.

Partial old-age pension (pdf).

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