What to do when I am working while on pension?

You can work while drawing a pension. However, be sure to take your earnings limit into account if you are drawing a partial disability pension, full disability pension, the years-of-service pension or part-time pension. You accrue new pension on work carried out during retirement. Pension accrues at a rate of 1.5% per year.

Additional information about working while retired

The ‘Working during retirement’ page contains additional information on your opportunities for combining work and retirement.

Read more about working while drawing a pension


Would you like to see what your earnings limit is? Or fill in an old-age pension application so that you can apply for the pension you have accrued during your retirement? You can do that in our online service.

Log in to Varma Online Service

Frequently asked questions about working while retired

You may work while on an old-age pension. There are no income limits.

All earnings that earn pension are taken into account in monitoring the income limit. Capital income, such as rent and dividend income, is not taken into account in the income limit monitoring. Working hours are not monitored in income limit monitoring, only monthly gross earnings.

 

You can check your income limit in our online service under “Check your earnings limit".

For working while on an old-age pension, you can apply for the pension at your maximum retirement age at the earliest. Check your highest retirement age here.

If the employment began before the beginning of the old-age pension and no benefits have yet been granted for it, you can apply for pension when the employment ends.

If you have been working during partial old-age pension, you can apply for the earned pension when the employment has ended and you have reached your minimum retirement age.

If you have been working during disability pension, you can apply for the earned pension when the employment has ended and you have reached your personal retirement age.

You can apply for the pension by logging into our online service and filling in the application for old-age pension.

 

You can apply for the pension earned for work while on a pension by logging into our online service and filling in the application for old-age pension. In the application, enter the date from which you are applying for the pension earned while on a pension as the start date of the pension.

You cannot apply for earnings-related pension by phone or on the Messages and documents page of the online service.

In questions relating to the taxation of pensions, you should contact the Tax Authority.

Read more about the taxation of pension and work on the vero.fi site.