TN 2 (04-23)
Although Finland pays many different categories of benefits, this section describes
only the retirement, disability, and survivors benefits. These are the only Finnish
benefits included within the scope of the Agreement.
This chart describes the eligibility requirements for Finnish retirement, disability,
and survivors benefits.
Age 65, with reduced benefit payable as early as age 63.
Full benefit for persons age 65 or over residing in Finland 80% of the period from
age 16 to 64. Partial benefits payable for persons residing in Finland for at least
3 years, but less than 80% of the period from age 16 to age 64.
Benefit no longer payable as of January 1, 1996.
Supplement for each child under age 16.
Age 16 - 64.
Impairment prevents regular occupation or similar work.
NOTE: The disability requirements for persons over age 60 are less strict.
Must reside in Finland for 80% of the period from age 16 to time of benefits award.
Partial benefit for persons residing in Finland for at least 3 years, but less than
80%, from age 16 to time of benefits award.
NOTE: Benefit is subject to recovery based on other benefit income.
The deceased worker must have resided in Finland at the time of death, have been currently
or previously insured at the time of death, and have had at least 3 years of Finnish
residence after age 16.
Spouse or registered civil partner
Surviving spouse or registered civil partner (same sex only) must have at least 3
years of Finnish residence after age 16. Benefits cease if the surviving spouse or
registered civil partner remarries or re-registers before age 50. Benefits then convert
to a lump sum equal to 3 years of benefits if the beneficiary received benefits for
at least 1 year.
Surviving spouse or registered civil partner must be under age 65 and either:
Have a child in common with the deceased worker, or
Be under age 50 at the time of the marriage or civil partnership registration and
at least age 50 at the deceased worker's death, and the marriage or registered civil
partnership must have been for at least 5 years.
Under age 18, or age 18-20 and full time student.
Must live in Finland at the date of the deceased's death or move to Finland in the
year following death. There are no citizenship or length-of-residence requirements
for orphan's benefits.
Additional supplement for orphans under age 18, but supplement is subject to recovery
based on other source income limits.
Flexible retirement age, from age 63, rising to age 65 gradually by 2027. From 2030,
it is based on life expectancy at age 62. Partial pension at age 61. Employment must
cease at retirement, but may continue after entitlement. Payable abroad for up to
1 year, or under an international Agreement. No dependent benefits.
Age 20 - retirement age (age 63, gradually rising to age 65 by 2027. From 2030, it
is based on life expectancy at age 62). Pre-age 20 disability benefits subject to
Disability expected to last at least 1 year.
Partial benefits with at least 40% loss of work capacity.
Full benefits with at least 60% loss of work capacity.
(Deceased worker must have been currently or previously insured at the time of death)
Spouse or Registered Civil Partner
Must have been married to (or in a registered civil partnership with) the deceased
worker before they reached age 65 and either:
They had a child in common; or
The surviving spouse or registered civil partner was at least age 50 or receiving
disability benefits at the time of the deceased worker's death, was under age 50 at
the time of the marriage or civil partnership registration, and marriage must have
been for at least 5 years.
Divorced Spouse or Registered Civil Partner
Same as surviving spouse or registered civil partner if entitled to alimony payments
from the deceased prior to death.
Under age 18.
Advise persons that SSA cannot give official information about Finnish benefits. Refer
those who want official information to one of the following:
For more information about the NATIONAL PENSION (residence-based):
KELA P.O. Box 78 00381 Helsinki FINLAND
Telephone: +358 20 634 0200
For more information about the EARNINGS RELATED PENSION (earnings-based):
Finnish Centre for Pensions Customer Service FI 00065 ELAKETURVAKESKUS FINLAND
Telephone: +358 29 411 2110