Finnish earnings-related pension abroad
If you have worked in Finland, you may have the right to get a Finnish earnings-related pension. You will get the pension you have earned after you claim it. You cannot get, for example, your pension contributions back if you move out of Finland. You can check the amount of the earnings-related pension you have earned in Finland from your pension record.
Tyokelake.fi – information about your earnings-related pension
- Check your pension record.
- Read about the retirement ages and pension benefits in Finland.
- Read about how to claim a pension.
- Download pension claim forms (in Finnish and Swedish).
If you do not have the codes you need to register, you can ask for a copy of your pension record from the company that manages your earnings-related pension. You can also ask for one over the phone from the Finnish Centre for Pensions’ Customer Service.
How to claim an earnings-related pension from Finland when you live abroad
When you are about to claim a pension from Finland, keep the following in mind.
- You can claim an earnings-related pension from Finland regardless of the country in which you live. Send in your claim either to the pension authority in the country you live in or claim your pension directly from Finland. The course of the claim process is affected by the country in which you live.
- Wait for the pension decision patiently. It will be delivered to you at the address you stated in your pension claim.
- It may take longer to process a pension claim for a person living abroad than for a person living in Finland. This is because the pension authorities in the country where you live usually need to provide more information before the decision can be issued.
- You get the earnings-related pension you earned in Finland, no matter where you live. Kela can tell you more about how to claim a national pension.
The retirement age in Finland may be different from the retirement age in the country where you live. In other words, you may have to claim your Finnish pension at a different time from the time you claim your pension in the country where you live. You can continue to work in the country where you live even if you claim an old-age pension from Finland.
The claim process depends on the country you live in
The claim process is different depending on where you live.
Claim a Finnish pension from the pension authority of the country you live in. They will send your pension claim to Finland with the extra information needed.
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Claim a Finnish pension from the pension authority of the country you live in. They will send your pension claim to Finland with the extra information needed.
Finland has bilateral social security agreements with the countries mentioned above. Every social security agreement is different. There are some differences between the agreements. For example, there are rules about which pension benefits (like old age, disability and survivors’ pensions) can be claimed based on an agreement with the country concerned and what extra information is needed with the claim. The Finnish earnings-related pension is paid to you no matter where you live.
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Claim your pension yourself directly from Finland. Fill out the Finnish national claim form and return it to the Finnish Centre for Pensions or your own earnings-related pension provider. Go to Tyoelake.fi for details and the claim form.
China and Finland have an agreement about social security. This means that pensions are paid from one country to another. However, the agreement does not say anything about cooperation between the two countries’ pension authorities when it comes to claiming a pension.
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Claim your pension yourself directly from Finland. Fill out the Finnish national claim form and return it to the Finnish Centre for Pensions or your own earnings-related pension provider. Go to Tyoelake.fi for details and the claim form.
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EU countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.
EEA countries: Iceland, Liechtenstein and Norway.
Equivalent to EU countries: Switzerland and the United Kingdom.
Social security agreement countries: Australia, Canada, Chile, China, India, Israel, Japan, Quebec, South Korea, and the United States of America.
Other countries called non-agreement countries: Non-agreement countries are countries other than those mentioned above, such as Thailand, Brazil or South Africa.
Processing a pension claim in Finland
Your pension claim will be processed in Finland. The process depends on the pension benefit you have claimed. If you have claimed an earnings-related pension, your claim will be processed by your earnings-related pension provider. If you have claimed a residence-based national pension, your claim will be processed by Kela.
- The pension decision will be delivered to the address on your claim.
- Any pension will be paid to the account on your claim form.
You can find more information about claiming a Finnish earnings-related pension on the Tyoelake.fi website. For more details about national pensions, contact Kela.
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