How to apply for pension and benefits
Get an estimate
Apply at the right time
Calmly wait for the decision
- 2 days for old-age pension and 1 day partial early old-age pension applications,
- 6 weeks for disability pension applications,
- 3 weeks for vocational rehabilitation applications and
- 2 weeks for survivors’ pension applications.
If you have worked abroad, the processing time will be slightly longer.
Request a tax card from the tax authorities
Manage your pension and rehabilitation matters online
In Elo's Online Service, you can do the following:
- Get a pension estimate.
- Review your pension record.
- Apply for pension.
- Get an estimate of the rehabilitation allowance.
- Apply for rehabilitation and related travel reimbursements.
Frequently asked questions when applying for pension
How do I apply for pension?
The fastest and easiest way to apply for pension is through Elo’s Online Service. Log in to the Online Service, apply for your pensioin of choice and your application will transfer directly to processing. You can also apply for pension by completing and signing an application form and mailing it to us.
Log in to the Online Service >
Read more about the different pension options and benefits and the application process:
Retirement based on age>
Security in case of a reduced work ability>
Spouse’s and orphan’s pensions >
Calmly wait for the decision, since every pension and benefit has its own processing time.
Application processing times:
- 1 week for old-age pension and partial old-age pension applications
- 6 weeks for disability pension applications
- 2 weeks for survivors’ pension applications
- 3 weeks for vocational rehabilitation applications.
The given processing times are estimated averages. We will issue a decision once we have received all the necessary information. If you have also worked abroad, the processing times will be slightly longer.
You can use the pension application for Finland to apply for pension from:
- all EU and EEA countries,
- Great Britain,
- Switzerland and
- countries with which Finland has a social security agreement: Australia, Chile, India, Israel, Canada (Québec), Japan, Republic of Korea and the United States.
You will need to attach an Appendix U to your application. The easiest way to submit your application is through Elo’s Online Service, which can also be used to submit your completed Appendix U.
Pension earned in countries other than those listed above must be applied for by contacting the relevant pension institution in the country in question.
Further information anout claiming your pension from another country is available at työeläke.fi: työeläke.fi
If you live in
- an EU or EEA country,
- Great Britain,
- Switzerland or
- a country with which Finland has a social security agreement: Australia, Canada (Québec), Chile, China, India, Israel, Japan, Republic of Korea or the United States,
please contact a pension institution in your country of residence and apply for the Finnish pension through that company.
If you live in a country other than one of the aforementioned countries, you can apply for pension using the pension application for Finland. If you have online banking codes for a Finnish bank, you can also apply for pension online at Elo's Online Service >.
Further information anout claiming your pension from another country is available at tyoelake.fi.