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Years-of-service pension

Years-of-service pension enables those who have worked for a long time in a strenuous job to retire prior to the lowest pensionable age.

You are eligible for a career pension if:

1. You are at least 63 years of age but under your lowest pensionable age;
2. Your work ability has weakened due to an illness, disability or injury;
3. You have been working for a minimum of 38 years in a strenuous job; and
4. You are currently working or your work has ended less than one year ago.

Years-of-service pension can be granted to cover the period between the age of 63 and the lowest pensionable age. Once the lowest pensionable age is reached, the pension converts automatically into old-age pension. The lowest age limit for old-age pension for those born in 1958 is 64 years, so they only have the possibility to receive years-of-service pension for a maximum of 12 months. Correspondingly, those born in 1959 can receive year-of-service pension for 15 months, because their lowest pensionable age is 64 years and 3 months.

Keep in mind that if you have already reached your lowest pensionable age, you will not be able to receive years-of-service pension. Also, if you already have a full or partial disability pension, you cannot receive years-of-service pension.

Applying for years-of-service pension

Applications for years-of-service pension must be submitted within one year from the date on which the strenuous work has ended. The pension cannot be granted retroactively. At the earliest, the pension can start on the first day of the month following the month in which the application is submitted. The preliminary decision to grant the pension is valid for six months.

You will need to attach the statement about your health status issued by the occupational health service and a report describing your work to your application. Self-employed persons will need to submit the same information.

Amount of years-of-service pension

The amount of years-of-service pension is equivalent to the amount of pension accrued by the date of retirement. You can check the amount of your accrued pension from your pension record.

Manage your pension and rehabilitation matters online

In Elo's Online Service for private customers, you can do the following:

  • Review your pension record.
  • Submit an application and related attachments for years-of-service pension.
  • Choose electronic transactions. 
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