A person may qualify for a years-of-service pension if

  • they have done mental or physical work that requires great effort for at least 38 years,
  • their ability to work is reduced,
  • they were born in 1955 or later, and
  • they are 63 or older.

The years-of-service pension offers a route to retirement for persons who are not entitled to a full disability pension although their ability to work has been reduced.

The long, full-time working life (min. 38 years) of work that requires great effort can include daily allowances for parents for a maximum of three years.

The condition of 38 years of work that requires great effort is checked based on the data in the registers of the earnings-related pension system and legitimate statements presented by the applicant. The application for a years-of-service pension must be submitted within one year from stopping working.

The years-of-service pension was introduced in 2017. Persons born in 1955 were the first age group for whom the retirement age increased from 63 years and the years-of-service pension could be granted. Starting from those born in 1962, it is possible to receive a years-of-service pension two years before the retirement age. For those born in 1965 or later, the age limit requirement for the years-of-service pension is linked to life expectancy.

The years-of-service pension is the same amount as the pension earned by the end of the month before the pension starts. The years-of-service pension is smaller than the disability pension since the years-of-service pension does not include the projected pension component.

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More on other sites:

Finnish Centre for Pensions – Central body of and expert on statutory earnings-related pensions