Desing your
own pension

The social campaign "Age is an asset" focuses on stories by senior employees. The stories focus on experience and knowledge, and help to increase self-confidence and motivation to continue employment.

The campaign also helps to break the negative attitudes of both employers and society towards the employment of seniors. Continued employment is also related to flexible pension plans, which is why we also explain the changes brought along by the pension reform (take a look at the personal pension plan and Calculator).



    Andy, often mistaken as Santa Claus, is actually a ventilation engineer.  Sketching complex projects on paper is a piece of cake for him, as is the actual construction of the plans. “To me, age is indeed only a number, and I am rather offended when I’m considered to be some incapable old guy."

    foto Aivarist
    foto Annest


    You can feel Anne’s energy and presence whenever she’s around. She’s the go-ahead gal who always gets things done. Anne seems to have more energy than some people half her age – almost daily visits to the gym, badminton games, travels, work tasks, and professional training – all of these fit into her agenda. „You shouldn’t be asking me where I find all the energy. We should rather wonder, where do people get all the laziness from?” 



    John is a musician and entertainer, but you can also think of him as a teacher, mentor, idea generator, and a promoter. He is motivated by all sorts of ideas that he comes up with. Putting all those ideas into action is where the force comes that keeps him  from becoming a couch potato. „I’m not afraid to learn something new, something that I haven’t got any clue about. This has resulted in learning to play all sorts of instruments, that I can play music on freely now.”

    foto Jaanist
    Foto Sveast


    Svea works part-time at the History Museum. She is daily surrounded by colleagues of different age groups, which is a bonus in an organization. The staff is more various, exciting, and stronger. „So what, that I am a pensioner. I am still active – both in my professional and private life.” 


    Working is useful at any age

    Each euro of social tax that is paid behalf of you will increase your future pension amount.


      Working during retirement is beneficial

      If you are employed, then you currently can not get simultaneous early retirement pension payments. Starting from 2021, you can get pension payments in parallel with your wages – regardless of whether you retired before or after the official retirement age. However, if you retired earlier before 2021, then this early retirement pension will not be paid out together with the wages earned during retirement even after 2021.

      Working during retirement is beneficial as the social tax paid by your employer will increase your pension. As your employment continues, you will continue to collect the joint part that the pension calculations are based on. The Social Insurance Board shall take the employment period into consideration, and increase your pension yearly, on April 1st.  Read more about pension recalculations and pension indexations.

      You do not need to inform the Social Insurance Board about changes in your employment status – except when you receive the early retirement pension, and you have not reached the official retirement age yet. In the latter case, please inform the Social Insurance Board about your employment changes and send an email to