Pensions and benefits are applied for by form or online application. You can apply for all pensions and benefits, except family pension, through the Loki online service. Use your bank identifiers to log on to the Loki online service. If you use the form to file your application, fill in the form, print it out and post it directly to the Seafarers’ Pension Fund.

Before applying

Before filling in the application, acquaint yourself with the requirements of the various types of pension and find out your pensionable age using the calculator in the Loki online service or by checking your earnings-related pension record. The same application is used to apply for earnings-related pension earned in both the private and public sector, a national pension and pension from abroad.

In case you have worked at sea for a long time in gainful employment covered by earnings-related pension defined in the Seafarers’ Pension Act, you may be entitled to a lower pensionable age. The lower pensionable age is applicable, according to the transition provision of the Seafarers’ Pension Act reform of 2016, until 31 December 2024. Find out your possible lower pensionable age in the Loki online service. 

If you have any questions about pensionable age or the application process, our pension consultation services are happy to help you. You can also send us questions. Send you question either through the Loki online service or by secure email.

Application processing

We will process your application as soon as we have received all information and documents necessary for the decision. We will acquire the details of your earnings, as required for pension processing, from the incomes register. You can track the processing of your application in the Loki online service.

You will receive the decision both in the Loki online service and by post, sent to the address you have provided to the population register. 

Tax card and pension payment

In order to make your first pension payment, we need you to submit your tax card “for a pension or benefit”. If no tax card is submitted, 40% tax will be withheld from the pension. The date of payment is the last banking day of each month.

Earnings-related pension card

You are entitled to an earnings-related pension card if you are receiving old-age or disability pension. We will send the earnings-related pension card separately by post. The card can also be downloaded as a PDF file from Loki and saved on your device. It is also possible to add the card to Apple Wallet or Google Pay. With the card, you are eligible for a pensioner discount on products and services.