Spouse's pension: Amount and payment

The spouse's pension consists of two components: the initial pension and the continuing pension.

The continuing pension consists of a basic amount and an additional amount.

Initial pension

Kela pays you an initial pension of EUR 324.33 per month for six months or until the end of the month when you reach the age of 65 years. If your spouse/partner lived or worked abroad, the initial pension may be paid at a reduced rate.

Continuing pension

After the initial pension has ended, you can get a continuing pension. The continuing pension consists of a basic amount and an additional amount. Your income affects the additional amount. The basic amount is EUR 101.59 per month.

You can receive the basic amount if

  • you have a child aged under 18 years together with your deceased spouse/partner
  • your or your spouse's/partner’s child aged under 18 years lives in the same household and the child also lived in the same household when your spouse/partner died.

In other cases, you can receive the additional amount but not the basic amount.

The additional amount is affected by almost all income you have. Sixty percent of the amount of earned income and other equivalent income is taken into account.

In addition, if your spouse/partner lived or worked abroad, the basic amount and the additional amount of the continuing pension may be paid at a reduced rate.

Additional amount of the continuing pension and the effect of gross income (EUR per month)
Marital status Full additional amount Income limit to qualify for a full pension Income limit at which additional amount not awarded when you have a child aged under 18 years Income limit at which additional amount not awarded when you do not have a child aged under 18 years
Living alone 527.26 55.54 1,110.05 1,096.71
Living with another person* 456.20 55.54 967.88 954.55

*Marriage, cohabitation or registered partnership

Example of spouse's pension

Maija’s husband Teppo dies in January 2017. Maija and Teppo have a child aged under 18 years, Anne. Maija works part-time and has a salary of EUR 1,000 per month. Maija starts receiving a spouse’s pension on the basis of Teppo’s earnings-related pension to the amount of EUR 1,200 per month.

After Teppo’s death Kela pays Maija an initial pension of EUR 324.33 per month for six months. In total Maija receives EUR 1,524.33 per month in spouse’s pension from Kela and the authorised pension provider.

After the initial pension Maija receives from Kela the basic amount of the continuing pension. The amount is EUR 101.59 per month since she cares for a child aged under 18 years. She is not granted an additional amount to the continuing pension since her income exceeds the income limit. Kela thus includes as Maija’s income the spouse’s pension of EUR 1,200 per month from the authorised pension provider and 60% of her earnings, i.e. EUR 600 per month.

When Anne reaches the age of 18 years, Kela stops paying a spouse’s pension to Maija.

Payment

Kela pays the spouse's pension once a month into your bank account. The payment date is determined by the recipient’s last initial. If banks are closed on the scheduled payment date, the pensions are paid on the nearest preceding banking day.

Family name A-K L-R S-Ö
Payment dates for the spouse's pension
Payment date 4th of the month 14th of the month 22nd of the month

Exceptional payment dates in 2019

  • A–K 3 May, 2 August
  • L–R 12 April, 12 July, 13 September, 13 December
  • S–Ö 18 April, 21 June, 20 September and 21 December
Taxation of the spouse's pension

The spouse's pension is taxable income. The pension entitles you to a pension income deduction in the taxation.

Once you are granted a pension, contact the Finnish Tax Administration and apply for a revised tax card for pension purposes. Present your pension decisions and state your other income and deductions.

You do not have to send the revised tax card to Kela, because the Tax Administration informs Kela and the payers of your earnings-related pensions about your new tax withholding rate. Kela is notified directly also if you apply for a revised tax card in mid-year.

Further information