Information on pensions
When can I retire? What is my lowest old-age retirement age?
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For those born in 1961, the lowest old-age retirement age was 64 years and 9 months.
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For those born between 1962 and 1964, it is 65 years.
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For those born in 1965 or later, the lowest old-age retirement age is adjusted according to life expectancy, and the age limits will be specified at a later date.
If you do not apply for an old-age pension when you reach your lowest old-age retirement age but continue working without claiming your pension, a deferral bonus will be added to your accrued pension. The deferral bonus is 0.4% for each month that you postpone your pension beyond your lowest old-age retirement age.
When you retire on an old-age pension, your employment relationship must end. However, you can continue working alongside your old-age pension under a new employment relationship with the same or a different employer. If you continue working for the same employer, the terms of your employment must be substantially different from before, for example, you must have different duties or significantly shorter working hours.
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Those born in 1964 can receive a partial old-age pension at the earliest at the age of 62.
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Those born in 1965 or later can receive a partial old-age pension at the earliest three years before their lowest old-age retirement age.
You can work while receiving a partial old-age pension without any restrictions on working hours or earnings. However, you are not required to work. A partial old-age pension reduces your accrued pension.
A years-of-service pension can be granted to a person aged 63 or over who has an earnings-related pension insurance record of at least 38 years in physically or mentally demanding work. The work must have been full-time. In addition, the person’s ability to work must have been reduced due to an illness, defect or injury, but not to the extent that they would be entitled to a full disability pension.
A disability pension can be granted to a person who has not yet reached old-age retirement age and whose work capacity has been reduced due to an illness, defect or injury by at least 3/5 for a continuous period of at least one year. If the person’s work capacity is assessed to have been reduced by at least 2/5 but less than 3/5, they may be granted a partial disability pension.
A disability pension can also be granted for a fixed term as a rehabilitation subsidy or partial rehabilitation subsidy.
The Trade Union Pro Seniorit ry is an association for seniors
The Seniors' Association is a national interest organisation for retired employees, which promotes the social status of its members and safeguards their pension benefits. The association also promotes the mental and physical well-being of its members by organising recreational and leisure activities, among other things. For information on the activities of the Senior Citizens' Association, membership fees and membership benefits, please visit the Association's website.
How do I notify the Union of my retirement?
Report your retirement by filling in the form in the e-services. Once we have received your notification, we will transfer you to the Trade Union Pro Seniorit ry.
Within a month of your notification, you will receive a letter of membership of the Seniors' Association.
If you want to join the Seniors' Association, please fill in the membership form by clicking here. In so doing, you will also end your membership in the Pro Unemployment Fund.
If you do not wish to continue with the Union Pro Seniors, please fill in the resignation form for both the Union and the Unemployment Fund here.
You can now get your senior membership card in digital form. You can find it by logging into Proplus and clicking on "Jäsentietoni" (My Membership Details).
The membership card can be downloaded by clicking on the blue "Näytä jäsenkortti" (Show membership card) button. You can print it as a hard copy or download it on your device. Plastic membership cards are no longer available.
More information on pensions
For more information on pensions and how to apply for them, contact the pension institution where your employer has insured its staff. You can also visit the website of the Finnish Centre for Pensions and the Työeläke.fi website, where you can also check your own occupational pension statement.