Pensioner

Monitor and update your pension information online
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Current issues

Our eServices will be unavailable at the turn of the year, between 29 December and 1 January

We are developing our online service. For that reason, the service will be closed for a few days, starting on 29 December. Please take care of any urgent pension matters before the service is closed.

Mailing of annual letter to pension recipients has begun in the middle of December

Varma’s pension recipients will receive a personal letter in December or January stating the amount of their index-adjusted pension and withholding tax as of 1 January 2019. The letter will also state the total amount of the pensions that have been paid and the tax that has been withheld in 2018, as well as the pension payment dates for 2019.

The adjusted earnings-related pension index will increase current pensions by approximately 1.5% at the start of 2019.

Every year along with the annual letter, Varma sends a residence report to be completed by our pensioners who live permanently outside of Finland. The report should be completed, signed and returned to us as soon as possible to ensure that the payment of pension is not interrupted. The residence report must be returned to us, even if the pensioner’s circumstances have not changed from the previous year. The residence report can be confirmed on our eServices. This will speed up the handling of the residence report. Varma's eServices are available for pensioners living abroad, provided that they have personal Finnish banking codes or a mobile certificate required for logging in to our service.

Earnings-related pensions will rise by approximately 1.5 per cent at the beginning of 2019

The Ministry of Social Affairs and Health has confirmed the indexes for earnings-related pension provision for the year 2019.

The earnings-related pension index in 2019 will be 2585. Compared to 2018, the earnings-related pension index will rise by approximately 1.5 per cent. The earnings-related pension index is used to adjust earnings-related pensions in payment. When calculating the earnings-related pension index, the changes in price level weigh 80 per cent and the changes in wage-earners’ income level 20 per cent.

Spain’s new tax agreement to enter into force and Portugal’s tax agreement to end at the start of 2019

The new tax agreement between Finland and Spain will enter into force at the start of 2019. At the same time, the tax agreement between Finland and Portugal will end. This will affect the taxation of our pensioners living in Spain and Portugal.

Read the Tax Authority’s press release concerning how pension taxation will change (in Finnish)

 

 

 

Current issues

Keeping your personal details up to date

Changing your pension bank account

You can change the bank account into which your pension is paid on our eServices, if you have Finnish banking codes or a mobile certificate required for logging in. If you do not have Finnish banking codes, please print out the form below and mail it, completed and signed, to the following address:

Varma Mutual Pension Insurance Company
Pension Payments
P.O. BOX 3
FI-00098 VARMA, Finland

You can also inform us of your new bank account number in a free-form letter sent to us either by post or by fax. We cannot change your bank account number over the phone or via e-mail, because the notification of a changed bank account must contain the pensioner’s signature.

Print out the notification of a changed bank account form (pdf)

Change of address

If you move, we usually receive information about your new address in Finland directly from the Finnish Population Register Authority. If you live outside of Finland, however, we do not automatically receive information about changed addresses. For that reason, it is important that you notify our pension payments department if you live outside of Finland and your address changes. If you have Finnish banking codes or a mobile certificate, you can change your address yourself by logging in to our eServices. You can also notify Varma of a changed address by email, post or fax, or by using the secure electronic form below.

Notification of a changed address outside of Finland 

View and change your personal details

  • Next pension to be paid
  • Pensions paid (12 previous months)
  • Changing your account number
  • Changing your contact details
  • Printing out pension certificates
Your personal details

Check the pension payment dates

Pension payment dates

  • Earnings-related pensions are paid in advance on the first banking day of each month.
  • If the first day of the month is a Saturday, Sunday or holiday, you can withdraw your pension on the next business day.

In accordance with Finnish pension legislation, earnings-related pensions can only be paid once during each calendar month. The payment day cannot be moved to the preceding month, because the right to receive a pension exists on a monthly basis.

Pension taxation

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Pension certificates

When dealing with the tax office, the social insurance institution (Kela) or social service offices, you may be required to provide proof of your pension. Through our eServices, you can print out a certificate stating the amount of your monthly pension, as well as the pension payments that have been made in the current or previous year.

If you do not have Finnish banking codes or a mobile certificate required for logging in, you can use the electronic form below to request the certificate you require. If you require a certificate in English, please indicate this in the field ‘Additional information’. We will send you the certificate by post to your home address.

Request for a certificate 

If you require a pension certificate in a language other than English or Finnish, please contact:
Varma
Pension Payments
P.O. BOX 3
FI-00098 VARMA, Finland or
send an email to: pensionpayments@varma.fi.

Print out
a certificate

If you log in to our eServices, you can print out a certificate

  • of the amount of the monthly pension
  • of the pensions paid during the current year
  • of the pensions paid during the previous year
Print out a certificate

Frequently asked questions

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Employee pension card

Employee pension cardThe trilingual employee pension card serves as proof of retirement also outside of Finland. We will send the employee pension card, which entitles the holder to pensioner discounts, by post to your home address roughly two weeks after the pension decision has been granted. You can obtain the pension card from Varma if we have granted you:

  • old-age pension
  • early old-age pension
  • permanent, full disability pension or
  • unemployment pension.

If you are receiving partial early old-age pension, part-time pension, partial disability pension, the cash rehabilitation benefit or survivors’ pension you are not entitled to the employee pension card, since only persons with a full pension can receive the card.

You can also use the employee pension card on your mobile device

If you wish, you can also save your electronic employee pension card on your smart phone or tablet when you log in to our eServices using your personal Finnish banking codes or a mobile certificate. Once you save the employee pension card you no longer have to carry around the plastic card. You can, of course, also order a new card from our eServices if your old card has been lost or damaged.

Order an electronic employee pension card

Pensioners living abroad

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