työuraeläke

A työuraeläke, or career pension, is a Finnish earnings-related pension that can be granted to individuals who have a long work history and whose ability to work has diminished due to age or illness. It is intended as a way to retire early if one's working capacity is significantly reduced.

To be eligible for a työuraeläke, an individual must typically have reached the age of 63 and have accrued at least 38 years of pension-earning employment. There are also specific requirements regarding the individual's ability to work, which are assessed by medical professionals. The pension amount is calculated based on the earnings during the entire working career.

The application process for a työuraeläke involves submitting an application to the relevant pension provider, usually Ilmarinen, Varma, or Elo. Medical documentation supporting the claim of reduced working capacity is crucial. The pension provider then evaluates the application and makes a decision.

It is important to note that the työuraeläke is distinct from the old-age pension, which is available to everyone upon reaching the statutory retirement age. The career pension is specifically designed for those whose ability to continue working is compromised. The rules and eligibility criteria for the työuraeläke can be complex, and it is advisable to seek detailed information from pension providers or official sources.