How to apply for pension

You can only start to receive pension after you have applied for it. The easiest way to submit your application is by using the online service My Pension (available in Finnish and in Swedish).

You should file your pension application 1–2 months before retirement. If you are applying for disability pension, cash rehabilitation benefit or years-of-service pension, it is recommended that the application be filed at least two months before the start of the pension.

You should first review the various pension options and check your own retirement age in the online service My Pension. Then:

  1. Check your pension record in the online service.
  2. Obtain the required enclosures to your application (e.g. medical statement B, appendix U, certificate of resignation).
  3. Find out your IBAN account number and your bank’s BIC code.
  4. Fill in the application in the online service. Once you have received the pension decision, you should contact the tax authorities and request a tax card for your pension.

If you prefer to apply for pension in writing, please mail the application form and enclosures as well as any other supporting documents to Keva at: 00087 KEVA. 

Check your pension record

Check your pension record in the online service My Pension. The amount of your pension will be calculated on the basis of the information in the pension record. You should therefore make sure that all your employment and earnings have been recorded.

Any mistakes or omissions may be reported in the online service My Pension.

How do I apply for pension?

Fill in the pension application in the online service My Pension and upload the requested enclosures as well. You can review your pending application online and also modify it as necessary.

You can submit all documents – whether pension application, enclosure or other document – to us in the online service My Pension. With documents on paper, you can either scan them or take a photo of them and then submit them to us in the online service.

If you prefer to apply for pension in writing, please mail the application form and enclosures as well as any other supporting documents to Keva at: 00087 KEVA.

Please read the directions on how to apply and consult the page for the relevant type of pension to determine the required enclosures:

Contact Kela about national pension

If your earnings-related pension is not very high, you may also be eligible for national pension. To learn more about national pension, please contact Kela.

Kela: Who can qualify for a national pension

After receiving the pension decision

The pension decision will be issued in electronic format in the online service My Pension (available in Finnish and in Swedish) and will also be sent to you by mail to your home address.

If you have indicated that you prefer to receive documents in electronic format in the online service, we will not send you mail by letter.

The online service My Pension is the easiest way to manage your pension affairs and report any changes, for example a new bank account number for payment of your pension.

Review your pension decision. Inform Keva without delay of any omissions. If you are unhappy with the pension decision, you can lodge an appeal against it. See instructions on how to lodge an appeal

You will require a tax card for pension because pensions are taxed differently from earnings. Contact the tax office without delay to obtain the tax card because otherwise a withholding rate of 40% will apply.

The first date of payment of your pension will be indicated in your pension decision. 

Learn more about the taxation of pension.

The new pensioner’s checklist will help you review the necessary information.

Going ahead, current issues and directions will be available to you on the page Pension recipients.

Are you living or have you worked abroad?

Your pension may be paid to Finland or to a foreign country. If you are living abroad, the application process is slightly different and you must also report your address annually to Keva. Learn more about applying for pension when living abroad.

The procedure for applying for pension that has accrued abroad differs depending on the country of employment. See instructions on how to apply.

Have you worked while on pension?

Pension that has accrued for employment while on pension can only be paid after you have applied for it. Pension may be granted retroactively only for a period of 3 months.

Apply for pension after turning 68 if

  • you are receiving old-age pension on the basis of employment with local government, the State, the Evangelical Lutheran Church or Kela, and
  • you have worked in employment governed by the same pension act while on pension.

Apply for pension at the age of 63 or older if your employment while on pension is governed by different earnings-related pension acts, whether in the public or the private sector. The pension that has accrued to you for such employment will be paid to you when the employment ends, however no earlier than at the age of 63.

When applying for the new pension, follow the directions for applying for old-age pension.

If you are on disability pension, the new pension that has accrued to you for employment while on pension will be paid to you when your disability pension is converted into old-age pension. You must also file an application for this pension.

Learn more about working while on pension.