Services
HomeServices
Our services
We handle the whole process for you, from the first check to the first payment.
Retire without running around yourself
We check when you become entitled, gather the documents and file the application for you. You simply wait for the decision.
- Review of your insurance record across all funds
- Calculation of when you can retire and with what amount
- Online application and follow-up until you get paid
Read more
How we work
We start with a conversation, to understand where and for how long you have worked. With your authorisation we look at your insurance record and spot gaps or errors before the application is filed.
Why the check comes first
Applications are now filed online and the process runs faster than it used to. But an error in your details reaches the decision just as fast. That is why we fix things first and file afterwards.
What you receive
The pension decision, a check that the amount is correct, and an update at every step. If something is not right, we handle the correction too.
At a difficult time, we take care of the paperwork
We check who is entitled to a survivor's pension and file the application for the spouse and the children.
- Eligibility check for spouse and children
- Gathering certificates and supporting documents
- Application for main and supplementary pension
Read more
How we work
We only ask you for what is absolutely necessary. We obtain the remaining documents online ourselves, so you do not have to visit any offices.
What we explain before we start
The amount and duration of the pension depend on your age, on the insurance years of your loved one and on whether you work or receive another pension. We explain it in plain words, so you know what to expect.
What else we take care of
Along with the pension we look into funeral expenses and anything else you are entitled to, so that no deadline is missed.
We organise the file, from KEPA to payment
We check whether you have the insurance years required, prepare the file for the medical board and file the application.
- Check of the insurance requirements
- Preparing the file for KEPA (the disability certification centre)
- Application, follow-up and renewal when it expires
Read more
How we work
The degree of disability is assessed by the medical board. Our job is to make sure the file gets there complete and in order, so no time is lost over missing items.
After the decision
We file the application with EFKA and follow its progress until you get paid.
So that your pension is not interrupted
Most decisions have an expiry date. We keep track of it and notify you in good time for the renewal.
We count your years, one by one
We check your insurance across all funds and tell you clearly how many years you have and what is missing.
- Check by employer and by year
- Finding periods that have not been recorded in the system
- Correction and recognition of notional insurance years where it pays off
Read more
How we work
We compare what the system shows with your own records: old insurance booklets, employer certificates, decisions. Whatever is missing we record, and we request the correction ourselves.
Why it is worth doing early
The earlier a gap is found, the easier it is to close. Ideally the check is done a few years before retirement, not at the last minute.
What you receive
A clear picture: how many years you have, when you can retire and whether recognising notional time is worth it for you. See also our articles on missing contributions and notional insurance years.
We fill in the years you are missing
We check which periods you can have recognised, calculate whether it is worth it and file the application for you.
- Military service, studies, children, unemployment and other periods
- Calculation of the buy-back cost before you pay
- Recognition application and follow-up until the decision
Read more
How we work
First we see how many years you are really missing. Then we examine which periods can be recognised in your case and in what order.
When it is worth it
Buying back time usually has a cost. It is worth it when it gets you to retirement earlier or raises the amount noticeably. We show you the numbers and you decide.
If your application had been rejected
EFKA is re-examining certain old rejections. Read our article on the second chance for notional insurance years.
We check whether your pension was calculated correctly
If you already receive a pension, we read the decision line by line. If we find an error, we request the correction ourselves.
- Check of the years and earnings that were counted
- Check for increments you are entitled to
- Recalculation request and claim for back payments
Read more
How we work
We compare the pension decision with your insurance record. That immediately shows whether something was left out of the calculation.
The errors we find most often
Insurance time that was not counted, earnings recorded incorrectly, an increment for parallel insurance or for work after retirement that was not granted.
If everything is correct
We tell you so plainly. The check is there so that you know, not to open a case for no reason.