Here’s how to apply for pension or benefits
Get an estimate
Using Elo’s Online Pension Service is easy
The Online Pension Service is your assistant in pension and benefits matters - in the Service you can:
The service provides you with the following estimates:
- old-age pension
- partial early old-age pension and subsequent final pension, (if you are over the age of 55)
- disability and partial disability pension and
- a rehabilitation allowance.
The service does not provide estimates:
- for partial early old-age pension for those under 55
- for old-age pension following a part-time pension
- if you are already retired and want an estimate of the pension accrued earned alongside another pension.
In these cases, please contact Elo’s Pension Services, tel. +358 (0)20 694 717
Your pension record shows employment relationships and related earnings as well as periods of entrepreneurial activities and possible other benefits from which you have accrued pension. If you check your pension record between April and December, you will not receive the pension record in paper form during the same year.
If you want to be able to access your pension record whenever it’s most convenient for you and you no longer wish to receive the record by mail to your home, you can choose our online pension record option. At the same time, remember to submit your phone number and, in the future, we will send you regular reminders to review your pension record.
If you believe that information in your pension record is incorrect or missing, fill out the correction request form found in the Online Pension Service.
Old-age pension, partial early old-age pension, disability pension and a continuation of your rehabilitation subsidy can be applied for through Elo’s Online Pension Service. If you chose to do so, you are not required to submit any separate paper applications. The service can also be used to apply for a survivors’ pension or career pension, or for vocational rehabilitation and the reimbursement of travel expenses that arise in connection to rehabilitation. You are not required to submit any separate paper applications in addition to your online application.
Please note that TELA’s recommendations concerning reimbursements were updated as of 1 January 2019. Read more in Finnish >
If you are a recipient of an earnings-related pension, you can print out a pension certificate from the service that shows the amount of monthly earnings-related pension paid by Elo during the current/previous years.
You can increase the tax rate for your pension or rehabilitation allowance if you wish to pay more than the withholding rate calculated by the tax authorities.
You can order a new pension card to replace a lost or damaged card if you are receiving old-age pension or permanent, full disability pension from Elo. The card entitles you to different discounts for pensioners (e.g., Finnair, Matkahuolto and VR).
You can use the service to notify us of a change in the bank account used by Elo to pay your earnings-related pension. A foreign bank account cannot be submitted through this service. If your address, email address, phone number or name changes, the easiest way to notify Elo of this is through the Online Pension Service.
Click on Submission of attachment to send Elo attachments and other documents safely and quickly.
Choose our paperless service to receive your pension-related documents directly to the Online Pension Service, where they will remain accessible to you for a period of five years.
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 Pension Service. Log in to the Online Pension 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 Pension 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:
- 3 weeks for old-age pension and partial old-age pension applications
- 7 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.
- all EU and EEA countries,
- Switzerland and
- countries with which Finland has a social security agreement (Australia, Chile, Israel, Canada, Québec, USA, China, Korea and India).
You will need to attach an Appendix U to your application. The easiest way to submit your application is through Elo’s Online Pension 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 about claiming your pension from another country is available online at tyoeläke.fi.
- in an EU or EEA country,
- in Switzerland or
- in a country with which Finland has a social security agreement (Australia, Chile, Israel, Canada, Québec, USA, China, Korea and India),
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 www.elo.fi/online-pension-service.
Further information about claiming your pension from abroad is available online from tyoelake.fi.