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Applying for disability pension

In order to apply for disability pension or rehabilitation subsidy, you need to complete the application for disability pension or rehabilitation subsidy in our Online Service 2–3 months before your sickness allowance ends. As an attachment, you need to submit an up-to-date medical statement B written within the past 6 months. 

Apply for disability pension

You can apply for Kela’s national pension on the same form if your earnings-related pension remains low. You can receive national pension in addition to disability pension if your pension amount does not exceed EUR 1,200–1,400 per month. Before applying for pension, you can calculate an estimate of your pension in our Online Service.

When reviewing your pension application, we will also investigate whether vocational rehabilitation could be of assistance in your situation. Our primary goal is to rehabilitate you to be able to get back to work.

 

Disability pension: processing the pension application

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1. Receiving and reviewing the application

  • We will review your application and its attachments.
  • We will get back to you if we need further information.
  • We will forward your application to Kela, if necessary.
  • If new clarifications are received during the processing of your application, we will submit them to Kela on your behalf.
  • On average, processing takes approximately 6 weeks.
  • The processing of your application may take longer than average if, for example, we require further information or you have worked abroad.
  • We will send interim information about the progress of processing your application by SMS.
 

2. We will assess your work ability

  • We will assess your work ability based on the information you provided on the application and a medical statement B you submitted and any other health examinations. If necessary, we will request your most recent employer to provide a description of your work duties and coping at work. We will get back to you if we require further information from you.
  • Elo’s work ability specialist and specialist physician will jointly prepare an estimate of your eligibility for disability pension. If necessary, other Elo experts will also take part in preparing the assessment, such as a legal specialist.
  • When processing your application, we will assess whether your work ability can be influenced through vocational rehabilitation. Vocational rehabilitation is always the primary choice over disability pension.
  • If you have also applied for disability pension from Kela, we will assess your eligibility for disability pension together with Kela. We aim to reach the same decision with Kela.
 

3. Review our decision

  • You will be informed of the decision by SMS.
  • Take your time to review the decision and its attachments.
  • After a positive decision, submit your pension tax card to Elo
  • If you received a negative decision, review your options. 
 

Applying for extension to rehabilitation subsidy

You can apply for an extension to previously granted rehabilitation subsidy if your work ability has not recovered during the rehabilitation subsidy. Submit the medical statement B on rehabilitation subsidy extension in our Online Service. You do not need to submit a separate application, an up-to-date medical statement B is enough. Submit a medical statement B 1 month before the end of the rehabilitation subsidy.

The average processing time of extension applications is approximately 3 weeks. You will be informed of the decision by SMS.

 

Partial disability pension: processing the pension application

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1. Receiving and reviewing the application

  • We will review your application and its attachments.
  • We will get back to you if we need further information.
  • The average processing time is approximately 4 weeks.
  • The processing of your application may take longer than average if, for example, we require further information or you have worked abroad.
  • We will send interim information about the progress of processing your application by SMS.

2. We will assess your work ability

  • We will assess your work ability based on the information you provided on the application and a medical statement B you submitted and any other health examinations. If necessary, we will request your most recent employer to provide a description of your work duties and coping at work. We will get back to you if we require further information from you.
  • Elo’s pension specialist and specialist physician will jointly prepare an estimate of your eligibility for disability pension. If necessary, other Elo experts will also take part in preparing the assessment, such as a rehabilitation or legal specialist.
  • When processing your application, we will assess whether your work ability can be influenced through vocational rehabilitation. Vocational rehabilitation is always the primary choice over disability pension.

3. Review our decision

  • You will be informed of the decision by SMS.
  • Take your time to review the decision and its attachments.
  • After a positive decision, submit a payment application if you wish to receive the pension.
  • If you received a negative decision, review your options.
 

4. Agree on part-time work

  • Once you have received a positive preliminary decision on partial disability pension, discuss the matter with your employer. Working hours should be decreased in such a way that your gross earnings fall below the earnings limit mentioned in the decision.
  • If you are self-employed, your YEL earned income should fall below the earnings limit mentioned in the decision.
 

5. Fill in the payment application

  • After agreeing on part-time work, complete and submit the payment application for partial disability pension in our Online Service.

6. Payment decision

  • Once we have received the payment application, we issue a payment decision that states the start of pension and we will begin to pay pension.
 

7. Submit your tax card

  • Contact the Tax Administration and submit your pension tax card to us.

Negative decision on eligibility for disability pension

Decisions on disability pensions are based on employment pension legislation. In addition, decisions on disability pensions are guided by established decision practices, which are based on decisions handed down by appeal bodies. The reasons for rejecting your disability pension application are described in more detail in the justifications of the negative decision. Take your time to review the decision and its attachments.

Frequently asked questions

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