The statutory pension security in Finland consists of earnings-related pension based on employment and residence-based national pension.

Most people in Finland only receive the earnings-related pension. The national pension and the guarantee pension secure the pensioner’s income to a national minimum standard and are only received if the earnings-related pension is small or no earnings-related pension has accrued.

Finnish earnings-related pension can be paid out to employees residing in any country worldwide. This means that you can apply for a pension from Finland when you retire.

If you leave Finland before retirement, it is unfortunately not possible to transfer the paid pension contributions to a pension system of another country, nor can they be returned back to you as a lump sum.

It is strongly recommended that you order a pension record from your pension provider before you leave Finland and attach that to you pension application on retirement.

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