Eläkeoikeuden

Eläkeoikeuden refers to the right to a pension in Finland. This right is primarily acquired through employment or self-employment, where contributions are made to a pension insurance system. The Finnish pension system is based on earnings-related pensions, which are funded by contributions from employees, employers, and the self-employed.

The accrual of pension rights is based on an individual's earnings during their working life. For those born in 1958 or later, pension accrues at a rate of 1.5% of annual earnings up to the age of 63. For those born earlier, the accrual rate and retirement age may differ. Pension rights are also protected by legislation, ensuring that once earned, they are generally secure.

There are various types of pensions in Finland, including old-age pensions, disability pensions, and survivors' pensions, each with specific eligibility criteria. The right to a pension can also be affected by factors such as periods of unemployment, parental leave, or studies, for which specific regulations govern pension accrual. International agreements also play a role, allowing for the aggregation of pension rights earned in other countries under certain conditions. The Finnish Centre for Pensions (Eläketurvakeskus) is the central body responsible for overseeing the pension system and providing information on pension rights.