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The Nordic countries

Pensions

You earn a pension in the country where you are covered by the social insurance. If you are employed you are normally covered by the social insurance in the country where you work even though you may live in a different country.

Pension earnings in several Nordic countries

If you have been covered by the social insurance in several different countries you may receive old-age pension or early retirement pension from each of these countries according to how long you have been a member and what your pension earnings in each individual country have been. If, for example, you have pension earnings from three countries, you will receive a partial pension from each of these three coun-tries. Each country will pay its pension proportion according to its rates and age limits. Note that there are different age limits for the right to an old-age pension in the Nordic countries.

Pension may accrue based on work taking place in EU countries. Residence-based pension accrues from countries with residence-based pension security.

The employee’s pension insurance data is preserved in each country of work. When you reach old-age retirement age, each country under whose pension system you have belonged in the course of your work-ing life will grant you the pension that has accrued during the insurance period.

Pension to those not gainfully employed

In the Nordic countries, you earn a certain pension right even though you are not gainfully employed. If you have lived in several Nordic countries, you could be eligible to a residence-based partial pension from each of the countries where you have lived based on the periods of residence in each country. Note that there are different age limits for the right to an old-age pension in the Nordic countries. A pension based solely on residence in a Nordic country can be exported to another Nordic country in the same way as a pension earned through work.

Applying for pension

If you have lived or worked in other EU countries, you might be entitled to receive pension also from these. You should primarily apply for pension from the pension provider in your country of residence, but you may also submit your application to the equivalent institution in the EU country where you reside.
A surviving spouse and children may also be entitled to survivor’s pension from countries where the deceased has lived or worked.
It is not necessary to separately apply for disability or survivor’s pension from each country. You may yourself decide from which countries you wish to apply for pension. You ought to report all the countries where you have resided, but if you do not wish to apply for pension from all of them, please specify in your application form which countries you wish to leave out from your application.
It may take a long time to process the pension application. Among other things, this is due to the pension providers having to clarify all the time periods when the applicant or the deceased has lived or worked in different Member states. It might also be necessary to know when the foreign pension will begin to be paid, since the pension sums may affect the amount of national pension.

Your pension goes with you when you move to another country

If you move to another Nordic country, your pension will be paid to you in the country where you live.
Between Denmark, the Faroe Islands and Greenland there are specific rules on pension payment in connection with moving. Pension will be paid according to the rules in effect in the place to which you are moving. This applies to the amount of pension as well as the age limits. For instance, an old-age pension recipient moving from Denmark to the Faroe Islands will see the Danish pension discontinued and a new pension be granted according to the legislation enforced in the Faroe Islands.