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Additional contributions to the mandatory funded pension

In respect of children born since 2013, one parent at a time has the right to receive additional contributions to their funded pension, i.e. 2nd pillar account, from the birth of the child until they reach the age of three.

We pay an additional 4% (63,11 euros per month in 2024) of the average income subject to social tax per one calendar month in Estonia to the funded pension account each month. For the month of the birth and for the month the child turns three, additional contributions shall be made for the amount of days such right is applicable.

We make contributions to one parent at a time.

  • If both parents have a funded pension account and you wish to distribute additional contributions between one another, you can change the recipient of the contributions during the period of receipt. We shall direct the contributions to the new recipient as of the day of submission of the request.

  • If only one parent has joined the 2nd pillar – you can decide together whether you wish for this parent to receive additional contributions to their pension account. In this case, that parent will receive a higher pension in the future for raising a child. However, if you wish the raising of the child to increase the pension of the other parent, waive the additional contributions. The other parent shall then receive a pension supplement in the extent of 3,5 yearly rates to their pension. If they wish, the holder of the pension account can apply for contributions for a shorter time period than until the child reaches the age of three. In this case, the other parent shall receive a pension supplement proportionally for the number of months, for which additional contributions were not made.

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if you have joined the mandatory funded pension, your future pension supplement will only depend on whether you have used your right for additional contributions. There is no right for a pension supplement in this case.

You can confirm your wish to receive additional contributions to the funded pension along with other family benefits via our self-service

If you have registered the child in the population register, we will receive this information automatically the following day. We will then send an offer of benefits for both parents in the self-service. There you will also find additional contributions to the funded pension, which you can either keep, transfer to the other parent or waive.

In order to receive additional payments to the funded pension as of the birth of the child, it must be confirmed within six months after the birth of the child.

Due to one of the crisis measures arising from the emergency situation, state contributions (4%) to the second pension pillar shall was suspended from 1 July 2020 until 31 August 2021.

This amendment does not apply to additional contributions to the funded pension, which the Estonian National Social Insurance Board credits to the pension account of parents of children under the age of three! Additional contributions shall continue as usual.

More information on the temporary suspension of contributions to the 2nd pension pillar is available on the website of the Ministry of Finance

From 2021, those born before 1983 will also receive to join a mandatory funded pension if they wish.

From 2021, people born before 1983 can apply to join Pillar II. To join, you must submit an application to the bank or the Pension Center

Joining the 2nd pillar voluntarily in 2020 will affect the pension, depending on the child’s time of birth:

  • if the child was born before 1 July 2020, the parent is not entitled for additional contributions to the funded pension. A pension supplement shall be used in this case;
  • if the child was born between 1 July and 31 December 2020, the parent can choose whether to receive a pension supplement or additional contributions to the funded pension account;
  • if the child was born on or after 1 January 2021, the parent is fully entitled to additional contributions.

Last updated: 18.12.2023

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