Pension benefits

Earnings-related pension safeguards your livelihood once you leave working life. Pension is accrued according to the same rules whether you are an employee or entrepreneur. The pension options are also the same for everyone. Earnings-related pension provides security in many different life situations:

Partial old-age pension

Partial old-age pension enables you to withdraw part of the earnings-related pension funds you have accrued already before you reach your minimum retirement age. Under this option, you can choose to receive 25% or 50% of the accrued pension.
Read more about partial old-age pension

Old-age pension

Old-age pension offers you the chance to retire from working life and enjoy the pension funds that you have earned throughout your work career. The later you retire, the bigger your eventual old-age pension will be.
Read more about old-age pension

Disability pension

Disability pension provides security when an illness causes you to have an incapacity for work. If your work ability is only partially reduced, you can also apply for partial disability pension.
Read more about disability pension

Years-of-service pension

Years-of-service pension may be an option in the latter years of your career if you have already worked a minimum of 38 years in a strenuous career and have a reduced work ability. You can apply for years-of-service pension when you reach the age of 63.
Read more about years-of-service pension

Survivors’ pension

Survivors’ pension secures the livelihood of underage children and surviving spouses in the case of the death of a family provider. The amount of the survivors’ pension is based on the pension that the deceased individual earned during their own work career.
Read more about survivors’ pension