Pensions in international situations
You can accrue pension rights in all the countries where you have lived or worked.
EU/EEA countries and Switzerland
Pension rights accrue in all the countries whose social security system you have been covered under. The overall pension consists of the sum of the pensions from all these countries. Each country decides on the pension application on the basis of its own pension legislation. Kela and the Finnish Centre for Pensions (Eläketurvakeskus) can help you with the pension application.
Countries which have a social security agreement with Finland
Finland has concluded social security agreements with some countries with the purpose of ensuring, for instance, the granting and payment of pensions to the other signatory country or from the other signatory country to Finland. Pension rights accrue according to the pension legislation of the countries that have a social security agreement with Finland. Kela and the Finnish Centre for Pensions can assist you with the pension application procedures in these countries.
If you have lived in some other country than an EU or EEA country, Switzerland or a country that has a social security agreement with Finland, you have possibly accrued pension rights there. You must yourself check your pension entitlements with the pension provider in the country in question.