Online Pension Service

You can manage your pension and benefit matters online: the Online Pension Service provides you with information about your own earnings-related pension security and enables you to apply for pension and benefits. Elo’s pension recipients or those in vocational rehabilitation can manage their pension and benefit matters within the service. Any customers who have selected the paperless service will receive all documents directly to the Online Pension Service.

Here’s how to apply for pension or benefits

Make plans

1Retirement is a big step in life and should, therefore, be planned well in advance. Read more about your different pension options:


-    
Retirement based on age >
-    
Security in case of a reduced work ability >
-    
Survivors pension for widow(er) and children

Get an estimate

2Elo’s Online Pension Service enables you to get an estimate of the amount of your old-age pension, partial early old-age pension and subsequent final pension, disability pension, partial disability pension or rehabilitation allowance.

The service enables you to compare the different pension options and the impact of a deferred retirement on the amount of your future pension.

Apply at the right time

3You should submit your application for old-age pension and partial early old-age pension approximately two weeks before your intended retirement. An application for disability pension should be submitted approximately 2–3 months before the sickness allowance ends, and an application for a continuation of a rehabilitation subsidy about one month before the previous pension ends.

Apply online

4The most convenient way to apply for a pension or benefit is through Elo’s Online Pension Service. Simply fill in the necessary information and your application is forwarded directly to processing. Remember to include your mobile phone number when you submit your application. This will enable us to send you interim information about the processing phases of your application by SMS.>

Calmly wait for the decision

5We will issue a decision as soon as we have received all the necessary information. Average processing times:
  • 3 weeks for old-age pension and partial early old-age pension applications,
  • 7 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

6Once you have received your decision, immediately request a tax card from the tax authorities for your pension or benefit. The tax card must be requested personally from the tax authorities in connection with your first pension payment, but Elo will retrieve all subsequent tax information directly from the tax authorities.

Using Elo’s Online Pension Service is easy

1. Log in to the Online Pension Service

Log in to the service using your personal online banking codes (Nordea, Osuuspankki, Danske Bank, S-pankki, Handelsbanken, Sp/Pop identification service or Ålandsbanken’s e-identification service) or with a mobile certificate.

2. Manage your pension and benefit matters

The Online Pension Service enables you, for example, to view your pension record and pension estimates, to apply for pensions and benefits, to increase your tax rate, to make bank account changes, to submit attachments and to view online documents. 

3. Log out of the service

Remember to click on “Log out” before you close the service. Empty your browser memory and page history, and remember to close all browser windows.

The Online Pension Service is your assistant in pension and benefits matters - in the Service you can:

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Get an estimate of your pension or benefit amount

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

Check your pension record and opt for the online pension record

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.

Apply for a pension, vocational rehabilitation and related travel reimbursements

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 >

Print a pension certificate

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.

Increase your tax rate

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.

Order a pension card

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).

Notify us of any changes to your bank account number or other contact information

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.

Send attachments and opt to use our paperless 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

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How do I apply 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 >


How can I track the processing of my application?
We will notify you about the progress of your application process approximately once every three weeks by SMS. Therefore, it's important to remember to provide us with your phone number when submitting your pension or benefit application.
 
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.
I live in Finland. How to I apply for the pension I earned while working abroad?
You can use the pension application for Finland to apply for pension from:
 
- 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 työeläke.fi. >
 
I live abroad. How to I apply for the pension I earned in Finland?
If you live:
 
- 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. >

Elo is here to help and support you

Elo's Online Pension Service enables you to manage your pension and benefit matters whenever it’s most convenient for you. For pension and benefit matters, please call us at +358 (0)20 694 717 (weekdays 8 a.m.–4:30 p.m.)