Työeläkepalvelut

Työeläkepalvelut refers to services related to employment pensions in Finland. These services are primarily provided by pension providers, such as the Finnish Centre for Pensions (Kela) for statutory earnings-related pensions and various private pension insurance companies and industry-specific pension institutions for occupational pensions. The core function of these services is to administer and manage the earnings-related pension system, ensuring that individuals accrue pension rights correctly and receive their pension benefits as entitled.

These services encompass a wide range of activities. They include processing applications for various types of pensions, such as old-age pensions, disability pensions, and survivor pensions. Pension providers also handle the collection of pension contributions from employers and employees, manage the investment of these funds to ensure future solvency, and provide information and guidance to both individuals and employers regarding pension matters. This includes explaining pension legislation, calculating potential pension amounts, and advising on pension planning.

Furthermore, työeläkepalvelut involve managing changes in an individual's employment status or life circumstances that may affect their pension rights, such as periods of unemployment, sickness, or parental leave. They also play a role in international pension coordination, particularly for individuals who have worked in multiple countries. The overall aim is to ensure the smooth and fair operation of the Finnish earnings-related pension system, providing security for individuals in their working lives and in retirement.