We use various types of statistical and marketing software that utilise e.g. cookies to improve the user experience on our website, target content and marketing, and develop our website. Some of the cookies are necessary for the website to function properly, while others help us provide you with better services when you visit our website. Visit our Cookies Cookies page page for more information or to later change your settings. The link to the page is also provided below.
Below, you can read about the different types of cookies we use and choose which cookies you want to enable. You can change your cookie settings at any time on the Cookies page. The link to the page is provided below.
The annual letter is a bulletin that states the amount of your pension and the payment details. In the annual letter, you can see
If we know your phone number, we will send you a text message when the annual letter is available. You can add your phone number to your contact details on the Personal details page in Varma Online Services. Text messages sent by Varma never contain any links.
You can read and save the annual letter by logging in to Varma Online Services with your Finnish online banking credentials or mobile ID.
You will find the annual letter at the end of January in Varma Online Service (Log in > Messages and documents > Decisions and documents). You will also find a direct link to the annual letter on the front page of Varma Online Service when it is available.
In our 2025 annual letter, we informed you that we will no longer send annual letters by post to recipients other than pensioners living abroad and legal guardians. All pensioners can read their letters by logging in to Varma Online Service.
The online service is a more secure way to deliver letters than sending by post. Giving up postal delivery is also environmentally friendly.
Pension payments will continue normally at the turn of the year, even if you have not yet received the annual letter.
If you cannot view your annual letter in the online service, see the instructions on requesting annual letter delivery by post.
We will send the annual letter by post to pensioners living abroad and to guardians.
You can log in to our online service with your Finnish online banking credentials or mobile ID and print out the annual letter or save it in PDF format on your device.
However, if you wish to receive the annual letter on paper by post every year, you can request this by calling our telephone service.
Once you have requested delivery by post, you will receive the annual letter by post in the following years as well. If you wish to cancel the delivery, please contact our customer service.
Since we offer all our pensioners the opportunity to read the annual letter in Varma Online Service, even those who have requested delivery by post will receive a text message stating that the letter is available in Varma Online Service.
Pensioners living abroad and guardians receive the annual letter by post. The letter also includes a residence report, which must be completed and signed and returned to Varma by 16 March 2026 at the latest. The residence report must be returned to us even if your information has not changed from the previous year. If we do not receive the residence report, we will suspend pension payment until the completed and signed report is submitted to Varma.
You can also confirm your residence report in Varma Online Service if you have Finnish online banking credentials or mobile ID. The residence report can also be a free-form letter sent by post. This letter must contain the pensioner’s name, Finnish personal identity code, address and signature.
Thank you for your feedback! Can you tell us what information you were looking for?
We will use the feedback we receive to develop our services. Please note, however, that we do not respond to messages sent using this form. If you have a matter related to your customer account, you can take care of it in the Varma Online Service or by contacting our customer service 010 192 100.