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FinlandTelp

1965 cohort keeps retirement age 65; 2027 coefficient 0.94453

Telp confirms the 1965 cohort's lowest retirement age at 65 and the 2027 coefficient at 0.94453, with the coefficient now reaching full disability pensions.

By Taxxa AI OyPublished 6 November 2026

Payroll & Labour

The 1965 cohort keeps a lowest old-age retirement age of 65.Telp It is the first cohort whose retirement age is linked to life expectancy: each cohort's age is confirmed when the cohort turns 62, and it may move by at most two months from the previously confirmed lowest age. On this first check the age holds at 65Telp, the same as for those born in 1962–1964. The 2027 life-expectancy coefficient is confirmed at 0.94453Telp, cutting monthly pensions by about 5.5 per centTelp, and it is set for the year the cohort turns 62 — applying to the 1965 cohort's earnings-related old-age pensionsTelp.

The linked age limits move with it. The partial old-age pension's lower age limit always sits three years below the lowest old-age retirement age, and the career pension's two years below — so for the 1965 cohort that is 62 and 63. The target retirement age matching the confirmed coefficient is 66 years and 3 months: the age at which the deferral increment from the lowest age of 65 at least offsets the coefficient's cut, which takes a 15-month deferral.

Disability pensions change shape from 2027. The 2027 coefficient also reduces earnings-related disability pensions granted in 2027 where the recipient is 62 or younger — and from 2027 it is applied to the whole disability pension, including the projected-service component, where it used to touch only the part accrued by the onset of disability. The coefficient's determination turns milder at the same time. The 2027 coefficient likewise applies to partial old-age, career and survivors' pensions granted in 2027.

Pension calculators follow the confirmation. The age limits, the coefficient and the forecasts go into Työeläkelakipalvelu and the Työeläke.fi calculators after confirmation, and into the sector's shared calculation systems (Yhella and Lapa) on 13.11. The coefficient and age forecasts rest on the population forecast Eläketurvakeskus prepared in 2026. Legal basis: TyEL provisions on the lowest old-age retirement age and the life-expectancy coefficient, as confirmed for the 1965 cohort and 2027.

Use age 65 and coefficient 0.94453 for 1965-cohort retirement planning, and apply the coefficient to the whole of any 2027 disability pension for recipients 62 or younger.

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