In the Online Service you can manage your pension and benefit matters

The Online Service provides you with the following estimates:
- old-age pension
- partial early old-age pension and subsequent final pension (if you are over the age of 55),
- disability and partial disability pension and
- a rehabilitation allowance.

The service does not provide estimates:
- for partial early old-age pension for those under 55
- for old-age pension following a part-time pension
- if you are already retired and want an estimate of the pension accrued earned alongside another pension.

In these cases, you can send us an online message in the Online Service.

Your pension record shows employment relationships and related earnings as well as periods of entrepreneurial activities and possible other benefits from which you have accrued pension. If you check your pension record between April and December, you will not receive the pension record in paper form during the same year.

If you want to be able to access your pension record whenever it’s most convenient for you and you no longer wish to receive the record by mail to your home, you can choose our online pension record option. At the same time, remember to submit your phone number and, in the future, we will send you regular reminders to review your pension record.

If you believe that information in your pension record is incorrect or missing, fill out the correction request form found in the Online Service.

Old-age pension, partial early old-age pension, disability pension, a continuation of your rehabilitation subsidy, spouse’s pension for a widow(er) and a child's pension can be applied for through Elo’s Online Service. If you chose to do so, you are not required to submit any separate paper applications. A career pension application form has to be sent separately through the Submission of attachment service. 

The service can also be used to apply for vocational rehabilitation and the reimbursement of travel expenses that arise in connection to rehabilitation. You are not required to submit any separate paper applications in addition to your online application.

If you are a recipient of an earnings-related pension from us, you can download or print out a pension certificate from the service that shows the amount of monthly earnings-related pension paid by Elo during the current/previous years.

You can increase the tax rate for your pension or rehabilitation allowance if you wish to pay more than the withholding rate calculated by the tax authorities.

You can order a new pension card to replace a lost or damaged card if you are receiving old-age pension or permanent, full disability pension from Elo. The card entitles you to different discounts for pensioners (e.g., Finnair, Matkahuolto and VR).

You can use the service to notify us of a change in the bank account used by Elo to pay your earnings-related pension. A foreign bank account can be submitted by sending an online message in this service. If your address, email address, phone number or name changes, the easiest way to notify Elo of this is through the Online Service.

Click on Submission of attachment to send Elo attachments and other documents safely and quickly.

Choose our paperless service to receive your pension-related documents directly to the Online Service, where they will remain accessible to you for a period of five years.