The pension provision for artists consists of the national pension, guarantee pension, earnings-related pension and national artist pension.

PENSIONS PAID BY KELA

The national pension is EUR 665.29 pcm if the recipient has not accrued any earnings-related pension. For those who are married or cohabiting with their partner, the national pension is EUR 593.97 pcm.

The guarantee pension ensures a minimum pension of EUR 837.59 pcm.

Other pensions, such as spouse’s pension and disability pension


EARNINGS-RELATED PENSION

Accrued from TyEL (employees’ pensions), MyEL (farmers’ pensions) and YEL (entrepreneurs’ pensions) payments

  • If the combined sum of all your pensions before tax is not more than EUR 827.78 pcm, you are entitled to a guarantee pension of EUR 837.59 pcm
  • If the total sum of your earnings-related pension and other pensions amounts to more than EUR 827.78 pcm* but less than EUR 1230.63 pcm** or EUR 1373.30 pcm***
    • national pension + accrued earnings-related pension
  • If your earnings-related pension is more than EUR 1230.63 pcm** or EUR 1373.30 pcm***
  • accrued earnings-related pension

 

  • Artists may apply for the national supplementary artist pension.
    Depending on income, the maximum monthly artist pension is EUR 1380.38 or half of that for those entitled to a partial pension. The artist pension can be granted to artists who are currently living or have permanently lived in Finland, as recognition of an outstanding contribution to art.
    1. artist pension
  •  

* in 2021

** for cohabiting persons, in 2021

*** for those living alone, in 2021

National pension

In 2021, those living alone are entitled to a national pension of EUR 665.29 pcm if they have not accrued any earnings-related pension. If a person has a spouse, the national pension is reduced; if a person is married or cohabiting, the national pension is EUR 593.97 pcm. For those nearing retirement, low-income wage earners and entrepreneurs, the amount of national pension is gradually reduced relative to the earnings-related pension. If the person is entitled to an earnings-related pension and the amount of the earnings-related pension is more than EUR 1226.13 pcm (if cohabiting, in 2020) or EUR 1368.21 pcm (if living alone, in 2020), the person will no longer be entitled to a national pension. Instead, he or she will only receive an earnings-related pension.

Guarantee pension

The purpose of a guarantee pension is to grant a person living in Finland a guaranteed minimum pension, the full amount of which is EUR 837.59 pcm (in 2021).

You are entitled to a guarantee pension if you do not have other pensions. The amount of the guarantee pension is reduced by any other pensions paid from Finland or abroad. The amounts of these pensions are reduced in full from the full amount of the guarantee pension.

Earnings-related pension

Artists accrue an earning-related pension from work performed under an employment contract, any entrepreneurs’ pension contributions the artist may have made and, starting from 2009, any working grants awarded for periods longer than four months.

Artists’ pensions may be governed by TyEL, the Employees Pensions Act (Työntekijän eläkelaki, 395/2006), YEL or the Entrepreneurs Pensions Act (Yrittäjän eläkelaki, 1272/200). Grants are governed by MYEL or the Farmers Pensions Act (Maatalousyrittäjän eläkelaki, 1280/2006).

Supplementary artist pension

Artists may apply for the supplementary artist pension separately. The national supplementary artist pension can be granted to artists who are currently living or have permanently lived in Finland as recognition of an outstanding contribution to art. To apply for the supplementary artist pension, contact the Arts Promotion Centre Finland, which grants the pension. The Arts Promotion Centre Finland processes pension applications once a year.