Pensions
If your earnings-related pension is small or if you receive no earnings-related pension, you can receive a national pension. These benefits include old-age pensions and disability pensions.
Retirement
- National pension, earnings-related pension or bothKela pays you a national pension if your earnings-related pension is small or if you receive no earnings-related pension. Earnings-related pensions are paid by authorised pension providers.
- Rehabilitation subsidy and disability pensionIf you become seriously ill or disabled, Kela can pay a rehabilitation subsidy or a disability pension when your earnings-related pension is small.
- Old-age pensionIf you have retired on an old-age pension and your earnings-related pension is small, the old-age pension from Kela provides financial support.
- Guarantee pensionThe guarantee pension provides a minimum pension to pensioners with low income.
- Pension from abroadIf you have worked abroad, you have possibly accrued pension rights.
Benefits for pension recipients
- Housing allowance for pensionersYou can apply for housing allowance for pensioners for your permanent rental or owner-occupied home in Finland.
- SicknessYou can get reimbursement for costs of private medical care and prescription medicines and for travel expenses related to your illness.
- Care allowance for pensionersYou can apply for care allowance for pensioners if your health deteriorates while you are retired.
- Social assistanceYou can apply for basic social assistance if your incomes and assets are not sufficient to cover your necessary everyday expenses.
Other situations
- Pension recipients abroadTo certain countries you may continue to receive a pension from Finland even if you are no longer covered by the Finnish social security system.
- Study and work during disability pensionYou can work to some extent while drawing a disability pension. If you study for a degree or qualification, report the completing of the degree or qualification to Kela and the authorised pension provider.
- Card and certificate for national pension recipientsKela sends the card automatically to persons under 65 years who have been awarded a full national pension. You can also request a certificate in order to buy a ticket at a discount.
- Survivor benefitsSomeone who has lost a family member may receive a survivors' pension from Kela in the form of a spouse's pension or an orphan's pension.
Do you wish to authorise someone else to act on your behalf?
If you have Kela-related matters that you cannot or do not wish to manage independently, you can authorise someone do so on your behalf.
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Brochure – Pensions and retirement
Pensions and retirement briefly and in plain language.
Read more (PDF)