Years-of-service pension

Who is eligible for years-of-service pension?

Years-of-service pension may be a viable option when your work ability has permanently diminished due to illness, impairment or injury. In addition you must have had a long career in full-time work.

If you are looking for information on pension for which you are eligible solely based on age, read more on the page  Old-age pension or Partial early old-age pension.

You can apply for years-of-service pension if

  • you are aged 63 or older
  • you have not reached your retirement age for old-age pension
  • you have worked for a long time (38 years or more) in strenuous and wearing work
  • you have worked full-time (i.e. at 100%) in your job
  • your work ability has permanently diminished
  • your employment must continue or have ended no longer than one year ago.

Short periods of sick leave or unemployment do not affect your eligibility to receive years-of-service pension. Likewise maternity, paternity or parental leave periods are not deducted from the length of your career, if their duration is three years at most.

You cannot receive years-of-service pension if

  • you have already reached your retirement age, in which case you can go directly on old-age pension
  • you have already gone over to part-time work or you are receiving partial disability pension
  • you have not worked for 38 years or more in strenuous or wearing work.

How to apply for years-of-service pension

You can easily apply for pension through the My Pension service. The service will guide you step-by-step.

The pension can begin at the earliest from the month following the month during which you turn 63. You can also apply for a preliminary decision which remains in effect for 6 months, but at most however until you reach your age for old-age pension.

Please provide a detailed description of the kind of work you have done throughout your work history. List every employment relationship, what kind of duties you have had, and in what ways your job duties have been strenuous and wearing.

How do I apply for pension?

Apply only after you have received an up-to-date medical statement B, since without it you application cannot be processed.

You can apply for a preliminary decision 6 months before retiring. Years-of-service pension must however begin before you reach your old-age retirement age. You can apply for a payment decision 2 months before retiring.

You can fill in the notification of years-of-service pension in the My Pension service or with the document attached to the preliminary decision.

Necessary attachments

  • Please enclose an up-to-date medical statement B, since without it your application cannot be processed.
  • You can also attach other reports regarding your health and any occupational health care negotiations memoranda.
  • You need to also ask your employer to fill in a form detailing your work ability (TAK form)

Application

  1. Log in to the My Pension service and select “Tee hakemus”
  2. Fill in the application information and enclose the aforementioned attachments
  3. After submitting the application, you will receive a confirmation that it has been received by Keva
  4. You will receive a decision in the My Pension service once your application has been processed

If you cannot submit an application electronically, you can also submit it by writing. Mail the application and attachments to the address: Keva, 00087 KEVA.

Retiring on old-age pension

When you reach your age for old-age pension, your years-of-service pension will automatically be converted to old-age pension.

If you have worked while on years-of-service pension, you need to apply separately for the pension that has accrued during this time. Read more on the page: Working while on pension and income limits