Amount of rehabilitation allowance

How much is the rehabilitation allowance? Where can I check the amount of rehabilitation allowance? You can check the amount of your future rehabilitation allowance using the pension calculator in Elo’s online service for private customers or in the attachment to your preliminary decision on vocational rehabilitation, if you have already received a decision.

Recipients of a rehabilitation subsidy are not granted a rehabilitation allowance, but instead receive a rehabilitation increase, which is 33% of the amount of rehabilitation subsidy.

Amount of rehabilitation allowance

The amount of rehabilitation allowance is individual. It is based on your accrued earnings-related pension. The amount also includes the so-called projected pension component. The rehabilitation allowance is calculated in the same way as the disability pension, but a 33% increase is added.

Rehabilitation allowance = (accrued earnings-related pension + projected pension component) × life expectancy coefficient

Accrued earnings-related pension

Earnings-related pension accrues from earnings covered by earnings-related pension insurance, from the entrepreneur’s YEL income, and from unsalaried benefits. Earnings, YEL income or unsalaried benefits in the year of application are not taken into account, because the year of application is already included in the projected pension component.

Projected pension component

The projected pension component accrues from the beginning of the application year until the lowest pensionable age at a rate of 1.5% per year. The pension accrues from earnings based on the earnings, YEL income and unsalaried benefits from the five calendar years preceding the application for a preliminary decision on vocational rehabilitation.

Example of the projected pension component

Anni, 52, applies for a preliminary decision on vocational rehabilitation at the beginning of 2026. She has accrued earnings-related pension for 26 years. She would still have 14 years left until the lowest pensionable age. The projected pension component is calculated over these 14 years. During the preceding five calendar years (2021–2025), Anni has had average earnings of €31,200 per year at the 2026 index level.

Anni’s projected pension component is therefore €31,200 × 5 years × 1.5% ÷ 12 months = €195 per month.

Life expectancy coefficient

The life expectancy coefficient is used to adjust the amount of rehabilitation allowance to correspond to increased life expectancy.

See the amount of your rehabilitation allowance in Elo’s online service

By logging in to our online service for private customers, you can see an estimate of the amount of your rehabilitation allowance using Elo’s pension calculator. You can find the pension calculator under the Pension record and estimates tab.

How to apply for a rehabilitation allowance

You apply for a rehabilitation allowance by first applying for a preliminary decision on vocational rehabilitation. If you receive a positive preliminary decision on vocational rehabilitation, you then apply to us for support for a vocational rehabilitation option, such as a work trial. If you receive a positive decision on your rehabilitation plan, we will also need a document confirming the start of the planned option, such as a work trial agreement in the case of a work trial. Once we have received the document, we will issue a decision on your rehabilitation allowance, and payment will begin when the planned option, such as a work trial, starts.

Read more

Applying for vocational rehabilitation

Planning rehabilitation and means of rehabilitation