Disability pension

Disability pension safeguards your livelihood in a situation in which your work ability has been reduced due to an illness, disability or injury.

Full disability pension or partial disability pension?

The basis for the granting of disability pension is always a doctor’s statement concerning your health condition. In addition to reduced work ability, the assessment also considers other factors, including your age, education, earlier work experience, your town of residence and whether there is work available that you can handle despite your illness. When considering a pension application for an applicant who is aged 60 and over, the emphasis for the decision is placed on the vocational aspects of the disability.


Manage your pension and rehabilitation matters online

In Elo's Online Pension Service, you can do the following:
  • Get an estimate of the disability pension amount.
  • Apply for disability pension or a continuation of the rehabilitation subsidy.
  • Submit application attachments.
  • Choose electronic transactions.

Pensions granted on the basis of disability

Depending on your health status, we can grant disability pension for a fixed period or until further notice. If it is possible to restore your work ability through treatment and rehabilitation, the pension will be granted for a fixed period.

Different types of disability pension:

  • Granted for a fixed period: Rehabilitation subsidy and partial rehabilitation subsidy 
  • Granted until further notice: disability pension and partial disability pension

If your work ability has weakened by 60%, you are eligible for the full disability pension. If your work ability has weakened by 40%, you are eligible for the partial disability pension.

Read more about the amount of the disability pension.

 

Commencement of disability pension

The payment of disability pension generally begins once the sickness allowance, which is the primary benefit, has been paid for the maximum number of days, in other words, approximately one year from the start of your incapacity to work. The sickness allowance is applied for from Kela.

Partial disability pension can begin when your earnings have decreased to 60% of your full-time earnings and your work ability has been assessed as having decreased by 40%. The employer is not obligated to organise part-time work, but you can get the partial disability pension even if your work ends completely.
 
If you are self-employed, you must reduce your entrepreneurial activities to 60% of full-time work in order to receive partial disability pension. Any entrepreneurial activities carried out alongside partial disability pension must always be insured under YEL, if the requirements for insuring are otherwise fulfilled. 

Termination of disability pension

Full disability pension continues up until the pensionable age and then converts into an equivalent amount of old-age pension. Partial disability pension also changes into old-age pension at the pensionable age, but, at that point, the amount will double to equal the amount of full disability pension.


The pensionable age for old-age pension following disability pension and partial disability pension depends on when the individual has become unable to work:

  • If the incapacity to work began in or after 2017, the disability pension will change into old-age pension at the lowest pensionable age for old-age pension for the age group in question.
  • If the incapacity to work began in or before 2016, the disability pension or partial disability pension will change into old-age pension at the age of 63.
  • If the incapacity to work began prior to 2006, the pension will change into old-age pension at the age of 65.

Disability pension is granted in the form of a fixed-term rehabilitation subsidy if it is assessed that your work ability can be restored through treatment or rehabilitation. The rehabilitation subsidy can be granted for a new fixed period if the rehabilitation or treatment is still ongoing.


Pension can be discontinued or full pension can change into partial disability pension if your work ability is restored.

 

If disability pension is not granted

All disability pension decisions are based on earnings-related pension legislation. Furthermore, disability pension decisions are guided by established decision criteria based on the resolutions of appeals.

Our guide for disability pension applicants includes the most common reasons for the rejection of a disability pension application and instructions for possible further measures. Check out our guide.   

Anyone who is dissatisfied with a pension decision can submit an appeal for a change from the Pension Appeal Board and the decision of the Pension Appeal Court can be further appealed to the Insurance Court. The appeal must be received no later than thirty (30) days from the date on which the applicant received the pension decision. If the decision is mailed as a letter to the applicant, the pension decision is deemed as having been received by the applicant no later than seven days from the dispatch date. If you have chosen to be notified of the decision electronically, the decision is deemed as having been received by you on the third day from the dispatch date.

In your appeal, you must clearly state the change you are demanding and justify your demand. You can also submit additional documentation concerning your health status later on while the appeal is still being processed. We shall review all new information and notify you in writing whether or not the decision will be changed based on the new information.

Brochure

Frequently asked questions about disability pension

How much is my disability pension?
The amount of pension that has accrued by the end of the year preceding the illness serves as the basis when calculating the disability pension. The pension also includes an estimate of the projected pension component. The projected pension component is calculated for your pension if your earnings subject to TyEL insurance totalled a minimum of 17 807,01 euro over the past 10 calendar years.

The projected pension accrues at a rate of 1.5% per year from the start of the year when your incapacity to work began until you reach the pensionable age for old-age pension. Pension accrues from the earnings that are equivalent to the average of your earnings or YEL income during the five years preceding the date on which your incapacity to work began. The earnings or YEL income for the year in which your incapacity to work began are not taken into account.

For those who are granted disability pension as a young person, the pension will be raised with a one-off increase five years after the commencement of the pension. The amount of the increase depends on the age of the pension recipient.

The amount of partial disability pension is half of the amount of full disability pension. If your earnings-related pension amount falls below the minimum amount, you will also receive a supplementary national pension.
How do I know what type of disability pension I should apply for?
Your attending doctor has taken a stand on your work ability in the medical statement B. Check the statement to see what pension the doctor has written the statement for.
How do I apply for pension and what information do I need for the application?
 You can apply for pension electronically through Elo’s Online Pension Service. For the application, you will need to supply a current medical statement B and a bank account number in IBAN format.
Do I have the right to receive the national pension?

Along with the full disability pension, you may be eligible for the national pension if the amount of your pension does not exceed 1,157.71–1,299.88 euro per month.  Recipients of partial disability pension are not eligible for the national pension.

Further information about the national pension is available from Kela >

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.)