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When can I start receiving my pension?

You decide when your occupational pension should begin to be paid out. If you do not make an active choice, payments will start automatically at a certain age.

The age at which payments start automatically depends on the pension agreement you belong to. Some occupational pensions start automatically at age 65, while others start later. If you wish, you can choose to start receiving your pension earlier or later. Further down this page, you can read about what applies to your specific pension agreement.

Please note: If you want to start receiving your pension at a different time, it is important to make your choice well before payments begin, as it cannot be changed afterward.

How to make your choice

On My Pages, you can see the options available to you. You can also compare different alternatives to see how the timing of your pension withdrawal affects the amount you will receive.

  • If you wish to make changes to your pension payout, you must notify us through My Pages. You can do this no earlier than 7 months and no later than 2 months before your pension payments are due to begin.
  • If you do not notify us of any changes, your pension will be paid according to the terms of your existing agreement.

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, you can contact us, and we will send you a paper form instead.

 

When can you start receiving your pension?

Your occupational pension works differently depending on which pension agreement you belong to. The age at which you can start receiving your occupational pension, and how long it can be paid out, is determined by the collective agreement negotiated between employers and trade unions. On My Pages, you can see which occupational pension you have with AMF. 

  • Your pension will automatically start being paid from the month you turn 65, unless you choose otherwise.
  • You can start receiving your pension from the month after you turn 55 at the earliest.
  • There is no upper age limit by which you must start drawing your pension.
  • Your pension will automatically start being paid from the month after you turn 70, unless you choose otherwise.
  • You can start receiving your pension from age 62 at the earliest (effective from 2026).
  • There is no upper age limit by which you must start drawing your pension.
  • ITP 1 automatically starts being paid from the month you turn 66, unless you choose otherwise.
  • ITPK automatically starts being paid from the month you turn 65, unless you choose otherwise..
  • You can start receiving your ITP 1 and ITPK from the month after you turn 55 at the earliest. For ITPK, it may in some cases be advantageous to wait until you have turned 62. Please contact us for more information.
  • To start drawing your ITP 1 or ITPK before the agreed retirement age, you must either stop working completely or work fewer than 8 hours per week. You must not be receiving, or have applied for, sickness benefit, disability benefit, or occupational injury compensation.
  • There is no upper age limit by which you must start drawing your pension.
  • FTP 1 automatically starts being paid from the month you turn 66, unless you choose otherwise.
  • FTPK automatically starts being paid from the month you turn 65, unless you choose otherwise.
  • You can start receiving your pension from the month after you turn 55 at the earliest.
  • There is no upper age limit by which you must start drawing your pension.
  • Your pension will automatically start being paid in the month you turn 72, unless you choose otherwise.
  • You can start drawing PA 16 Division 1 from age 63 at the earliest. If you were born in 1963 or later, the earliest age is 64.
  • You can start drawing PA 16 Division 2 from age 61 at the earliest. If you were born in 1966 or later, the earliest age is 63.
  • There is no upper age limit by which you must start drawing your pension.
  • Your pension will normally start being paid automatically from the month you turn 65, unless you choose otherwise.
  • In most cases, you can start receiving your pension from the month after you turn 55 at the earliest. See the options available to you on My Pages or in your insurance statement.

Please log on to My Pages to see what applies to you and what options are available.

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