It is advisable to apply for a pension some two months before the intended retirement. The pension is applied for from the pension insurance company from which the employer has taken out pension insurance. The pension insurance company can be located through the website Työelä, which everyone can access with their own online banking credentials.

The employment relationship has to end before the retirement pension can begin. The employment relationship must be terminated in accordance with the period of notice specified in the applicable collective agreement. In other words, this is usually done by the employee, pursuant to their period of notice. It is advisable to discuss retirement with the employer well in advance.