Disability pensions in Finland

Suomen työkyvyttömyyseläke
Here you will find information on disability pensions in Finland. The rules also apply to the Åland Islands.

Matters related to reduced working capacity and applying for disability pension often require thorough investigations and medical certificates. If you are employed, consult your occupational health care service. Rehabilitation is always the preferred option, and in connection with applications for disability pension earnings-related pension providers always check whether the applicant is entitled to rehabilitation. You can also ask the Social Insurance Institution of Finland (Kela) or your pension provider for advice.

Can you get disability pension in Finland?

In Finland you can get disability pension in accordance with the earnings-related pension acts and the National Pensions Act.

Disability pension under the earnings-related pension acts

You can get disability pension under the earnings-related pension acts if you have earned entitlement to earnings-related pension and your working capacity is reduced due to illness or injury for at least a year. Disability pension can be granted if you are at least 17 years old but have not reached your retirement age yet. Disability pension can be granted until further notice or as a cash rehabilitation benefit for a temporary period.

Disability pension under the earnings-related pension acts consists of the pension you have earned before your retirement on a disability pension and a projected pension component. The projected pension component means that pension accrues from your actual period of employment and also from a projected period from the year when disability pension starts to the minimum retirement age.

Disability pension under the National Pensions Act

You can get rehabilitation subsidy or disability pension under the National Pensions Act if you meet all the following requirements:

  • An illness, defect or injury prevents you from being able to work to secure a reasonable income.
  • You are aged between 16-64.
  • Your other pensions and payments are below the income limit defined by Kela.
  • You have lived in Finland for at least the period required by law, i.e. three years from when you reached the age of 16. Any periods of insurance completed under the social security system of another EU/EEA country or of Switzerland before moving to Finland count towards the waiting period. The period of residence requirement does not apply to young persons incapacitated for work if they have previously received Kela’s disability subsidy for the under-16s or if your incapacity for work began while living in Finland before you reached the age of 19.

How to apply

If you live in Finland

If you live in Finland, you can apply for disability pension from Kela and your pension provider. If you have previously worked in another Nordic country, you can apply for the foreign disability pension at the same time as you apply for disability pension from Finland. If you apply for disability pension from two or more Nordic countries, you should bear in mind that the conditions for granting disability pension may vary by country.

If you live in another Nordic country

If you live in another Nordic country and you have previously worked in Finland, you can apply for the Finnish disability pension at the same time as you apply for disability pension from your country of residence.

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