How Long Can I Receive My Pension?

You can decide how long your occupational pension should be paid out. If you do not make an active choice, it will generally be paid out monthly for the rest of your life from the time you start receiving it.

The most common options are to receive your pension for life or over a fixed period of 5–20 years, although other payout options may be available depending on the pension agreement you belong to.

Further down this page, you can read about the options available under your specific pension agreement.

How to Make Your Choice

If you would like to change the payout period, it is important that you make your choice well before your pension payments begin. Once payments have started, you cannot change the start age or shorten the payout period.

On My Pages, you can see the options available to you. You can also compare different alternatives to see how the size of your pension is affected by the length of the payout period.

If you would like to make changes to your pension payments, you must notify us through My Pages. You can do this no earlier than 7 months and no later than 2 months before your payments are scheduled to begin.
If we do not receive any instructions from you, your pension will be paid out according to its current terms.

Log in to My Pages to review and make changes to your pension. If you do not have an electronic ID (e-ID), or if you are unable to log in for any other reason, please contact us and we will send you a paper form instead.

How Long Can You Receive Your Pension?

Your occupational pension works differently depending on the pension agreement you belong to. The age at which you can start drawing your occupational pension and the length of the payout period are determined by the collective agreement negotiated between employers and trade unions. On My Pages, you can see which occupational pension plan you have with AMF.

Private-sector blue-collar employees: SAF-LO Occupational Pension

Your pension is paid out for life unless you choose otherwise.
You can choose a fixed payout period of 5 to 20 years.Under certain conditions, you may choose to draw part of your pension through a partial withdrawal.
Please contact us if you would like to learn more.

Employees of municipalities or regions: AKAP-KR / KAP-KL

Your pension is paid out for life unless you choose otherwise.
You can choose a fixed payout period of 10 to 20 years.

Private-sector white-collar employees: ITP 1 and ITPK

ITP 1 is paid out for life unless you choose otherwise. You may choose a fixed payout period of 5 to 20 years.
For ITPK, you can generally choose to have your pension paid out for life or over a period of 2 to 20 years, although some policies may offer different options. Log in to see what applies to you.
Under certain conditions, you may choose to draw part of your pension through a partial withdrawal. Please contact us if you would like to learn more.

Private-sector white-collar employees in the insurance industry: FTP 1 and FTPK

Your pension is paid out for life unless you choose otherwise.
You can choose a fixed payout period of 5 to 20 years.
Under certain conditions, you may choose to draw part of your pension through a partial withdrawal. Please contact us if you would like to learn more.