Frequently asked questions
On this page you can find the most frequently asked questions by topic and their answers. If you can't find the answer to your question, our customer service will be happy to help you.
21 questions related to the topic "self-employed person"
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YEL insurance is the basis for your pension and social security. That is why taking out the insurance is statutory, which means it is obligatory. You cannot replace YEL insurance with voluntary pension insurance. Another statutory payment is the health insurance contribution, paid in connection with taxes.
You may have to take out other insurance, depending on your sector. More information on these sector-specific mandatory insurances is available from non-life insurance companies that offer insurance, such as Pohjola Insurance. Consider supplementing your insurance cover through various voluntary insurances, such as accident insurance.
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As a self-employed person you are responsible for your earnings-related pension insurance. You can take care of insurance by taking out self-employed person’s pension insurance, i.e. YEL insurance, for yourself. YEL insurance is part of an entrepreneur’s pension and social security, which is why it is statutory. You cannot replace the insurance with voluntary pension insurance.
Take out YEL insurance at once when you start working as a self-employed person, no later than within six months of when you started the work, if you meet the following conditions:
- You are aged between 18–67
- You have been self-employed for at least 4 months and work in your company
- You live in Finland
- Your work input is valued at least at EUR 9,010.28 in 2024.
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If you do not take out insurance in time, i.e. within six months of the start of your obligation to insure, the Finnish Centre for Pensions (ETK) will urge you to take out insurance or will take it out on your behalf. In that case, you may need to pay a penalty for non-payment in addition to the regular YEL contribution.
the State Treasury determines the penalty for non-payment. We will send you a separate invoice for the penalty for non-payment after receiving the non-payment decision from the State Treasury.
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You can appeal against the decision within 30 days.
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YEL insurance is statutory, which is why the YEL insurance contribution is the same in all employment pension insurance companies. The contribution is always a certain percentage of your YEL income. In 2024, the minimum YEL income is EUR 9,10.28 and the maximum YEL income is EUR 204,625.
The YEL contribution for those under 53 years of age and those over 62 is 24.10% and for people between 53 and 62 it is 25.60% of the confirmed YEL income in 2024. As a new entrepreneur you will receive a 22% discount on your YEL contribution for a period of four years. If your self-employment ends earlier, however, you can use the remaining discount period for another entrepreneurship period. The insurance contribution is fully tax-deductible.
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As a new entrepreneur you will receive a 22 per cent discount on your YEL contribution for a period of four years. If your self-employment ends earlier, you can use the remaining discount period for another period of entrepreneurship. The YEL calculator provides an estimate of YEL insurance contribution and social security level at different YEL income levels. The calculator also allows you to compare how the instalment months and number of instalments impact the YEL contribution.
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The YEL income should correspond to the monetary value of your work input. In other words, your YEL income should correspond to the annual salary you would have to pay for the same work to another person as skilled as yourself.
YEL income does not mean your taxable income or the salary you pay yourself. YEL income is also not your company’s profit or turnover, and it is not dependent on the profitability of your business.
YEL income is always determined on an annual basis, regardless of when your YEL insurance begins. The YEL income is used as the basis for calculating the pension that you accrue from your entrepreneurship and your YEL insurance contribution. The allowances paid by Kela, such as the sickness and parental allowances, are also calculated based on your confirmed YEL income. In addition, the YEL income determines the level of your unemployment security.
The YEL income includes all the work you do as an entrepreneur. You only need one YEL insurance even if you have several companies. You should take out YEL insurance when your work input exceeds the minimum YEL limit of EUR 9,010.28 in 2024.
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As a result of the renewed YEL act in the beginning of year 2023 we are obligated to review your YEL income regularly. This is to ensure that your YEL income is at the recommended level and corresponds to the monetary value of your work input. As a self-employed person, your pension and other social security are based on your YEL income.
You will receive a text message or letter when your YEL income recommendation is available in the our online service. You can accept or reject the recommendation. If you reject the recommendation, we kindly ask you to answer a few more questions.
You can always apply for a change in your YEL income if your work as an entrepreneur changes.
A maximum increase applies If your insurance started before 1 January 2023 and your YEL income has not been changed at your own request after the law has come into force. In that case, your YEL income can be increased by up to EUR 4,000 per review in the first two reviews, when the review is initiated by the pension insurance company.
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YEL insurance is mandatory and it is the basis for an entrepreneur’s pension and social security. Take out YEL insurance once you have started working as a self-employed person. When we confirm your YEL income, we take into account your company’s estimated turnover, the pay level in your sector, the number of hours you work and the possible seasonal nature of your operations.
The YEL insurance secures your income in the event of old age, disability or the death of a family provider. In addition to your future pension, the benefits paid by Kela, such as sickness allowance and parental allowance, are determined based on the YEL income. Kela provides more information on the allowances it pays and how they are determined. A self-employed person’s accident insurance contribution and the compensation for loss of income paid under the insurance are also based on your YEL income. YEL income also determines the level of your unemployment security. As a member of Yrittäjäkassa, you can receive an allowance based on your YEL income.
Read more about social security and pension for the self-employed
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As Ilmarinen’s customer, you can log in to our online service using your personal online banking credentials. To log in, click on the ‘Log in’ button in the upper right-hand corner of the ilmarinen.fi page. In the online service you can see your YEL contribution information and easily check the amount of your YEL income and how much pension you have accrued.
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If you wish to switch from paper invoices to electronic invoices, choose an online invoice or an e-invoice. Online invoices arrive in your company’s invoice handling system and e-invoices will be sent to your personal online bank. You will begin receiving online invoices once you agree on it with your online invoice operator. After this, report your online invoice information by sending us a message in our online service. If you would like to send the online invoice information as an attachment, you can use the secure contact form on our website’s ‘Send secure message’ page. You can order an e-invoice directly through your personal online bank.
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As Ilmarinen’s customer, you can log in to our online service using your personal online banking credentials. To log in, go to the upper right-hand corner of the ilmarinen.fi page. In the online service, you can see the situation concerning your paid and unpaid YEL contributions, save a copy of the invoice (PDF) and apply for an extended term of payment. You can find the information under ‘List of contributions’.
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As Ilmarinen’s customer, you can log in to the self-employed person’s online service using your personal online banking credentials. To log in, go to the upper right-hand corner of the ilmarinen.fi page. In the online service, you can see the situation concerning your paid and unpaid YEL contributions, save a copy of the invoice (PDF) and apply for an extended term of payment. You can find the information under ‘List of contributions’.
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You can terminate your insurance for the duration of the family leave, if you will not be working at all during this time. Parental allowance is applied for from Kela. Parental allowance is determined based on the earned income under your YEL insurance. Do not terminate your YEL insurance if you work during your leave and your work input exceeds the confirmed YEL income lower limit (EUR 9,010.28 in 2024). In that case, make sure that the income under your YEL insurance corresponds to your work input during the leave.
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If your illness is short, keep your YEL insurance in effect. If you need to, you can apply for an extended term of payment for your YEL contributions in our online service.
If your disability lasts several months, you can terminate your YEL insurance to end on the day you fell ill. You can submit the termination notification in our online service. If you get back to being an entrepreneur after your illness, take out new YEL insurance.
If you apply for compensation from the self-employed person’s voluntary accident insurance, remember that the YEL insurance must be in force on the date of the accident or manifestation of the occupational disease.
Read more about what happens when a self-employed person falls ill
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Terminating your YEL insurance may come to question if your self-employment has ended completely or become so minor that your YEL income is lower than the lower limit specified for YEL insurance. If you no longer work in your company, you can terminate your YEL-insurance even if you don't close your business yet. Your company’s legal form, ownership structure or your position as an entrepreneur may also have changed so that you no longer need YEL insurance.
Terminate your YEL insurance by logging in to our online service with your personal online banking credentials or with a mobile certificate.
Read more about terminating YEL insurance
Are you also thinking about terminating TYEL insurance for your employees? Read more about terminating TyEL insurance
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It is possible to receive your YEL insurance letters and invoices in OmaPosti service. If you would also like to have your pension insurance letters and invoices sent there, you should elect to have your post directed to the OmaPosti service.
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You can get your YEL insurance decisions either by post or electronically on the Suomi.fi or OmaPosti services.
You can get decisions on your YEL insurance sent to the above-mentioned electronic services if you have activated either one of them. If you use both services, your post will generally be sent to the Suomi.fi Messages. To ensure that you receive notifications of new documents, make sure that you have given your current valid email address to the Suomi.fi Messages service. Log in to Suomi.fi to activate the Messages service.
When you buy YEL insurance, letters related to the starting of your insurance will be sent to the Suomi.fi or OmaPosti services. When applying for a change to your YEL income, applying for flexible YEL contributions or terminating your YEL insurance, our decision will be sent to one of these two services.
YEL invoices can be sent either by post or electronically.
Electronic invoices arrive quickly and are environmentally friendly. They are also easy to archive. You can choose whether you want the electronic invoice sent to your company’s invoice handling system or your online bank.
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According to Keva’s instructions, a pension insurance contribution should always be paid on work carried out in the public sector, even if the entrepreneur would not be obligated to take out YEL insurance due to the small scale of their activities. This is why your public sector customers may ask for a YEL insurance certificate.
If you have not taken out YEL insurance, the municipality will charge a JuEL insurance contribution on assignments. The share of the JuEL insurance of the invoice is some 6–8%.
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You need to have YEL insurance if the same seasonal activities continue annually and other YEL insurance conditions are met. Keep your YEL insurance in force continuously and year-round.
Estimate your YEL income based on the amount of work during your work months. If, for example, you work five months during the year, your YEL income is equal to the value of your work input during these months.
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The law was specified in terms of how entrepreneur's YEL income should be assessed. The basis for determining the YEL income remained unchanged. YEL income should correspond to the salary or compensation that should be paid if the entrepreneur's work was done by another equally skilled person instead of the entrepreneur.
In addition, pension companies check the level of the entrepreneur's YEL income every three years. The pension company establishes the YEL income and takes into account all information about the scope and quality of the entrepreneur's work input in the overall discretion.
19 questions related to the topic "employer"
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Employers need TyEL insurance if they continuously employ an employee or employees, or if the wages of fixed-term employees exceed the annually confirmed earnings limit over six months.
Take out TyEL insurance, when your employee meets the following three conditions
- he or she is in an employment relationship,
- he or she is aged between 17–67 and
- you pay him or her at least EUR 65.26 per month (2023).
You can insure your employees either as a contract employer or a temporary employer. Contract employers must take out insurance at the latest on the day before the payroll data is reported to the Incomes Register. As a temporary employer you do not need TyEL insurance. All you need to do is pay the TyEL contributions.
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When you hire an employee, you need to take care of TyEL insurance and your other obligations as an employer. If you estimate that you will pay more than EUR 1,300 during the calendar year, you need to insure your employees with workers’ compensation insurance and with group pension insurance. Ask your non-life insurance company for more information. Take out insurance before your employee starts his or her work. In addition, you are usually also required to pay the unemployment insurance contribution.
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Summer and seasonal employees are insured the same way as other employees. If you already have valid TyEL insurance, all of your employees are insured under this same insurance.
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Freelance work usually means temporary jobs for several different employers. A freelancer can be either a self-employed person, an employee or they can receive non-wage compensation without being self-employed or employed. What is common to all types of freelance work is the temporary nature of the work and the freelancer’s opportunity to work relatively freely for different employers. If you have agreed to hire a freelancer under an employment contract, then they must be insured under TyEL.
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Yes, you need to insure an au pair. Hiring an au pair creates an employment relationship, so it is a good idea to sign a written contract with the au pair, which includes the employment terms. You must also report the wages you have paid to the au pair to the Incomes Register.
Read more about hiring an au pair
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If you post your employee from Finland to a foreign country, arrange his or her pension and social security well ahead of time, regardless of whether the move is temporary or permanent. First find out which country’s legislation you must follow and arrange the pension cover accordingly.
Read more about insuring an employee moving abroad from Finland
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Your employee’s pension cover is your responsibility also when you hire an employee from abroad to work in Finland. This applies to both Finnish and foreign employers. Your employee must be insured under Finnish earnings-related pension insurance from the very beginning of their employment, if they work directly for a Finnish employer and sign an employment contract.
Read more about insuring an employee coming to Finland from abroad
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The TyEL contribution is based on the wages and salaries and fringe benefits you pay. The TyEL contribution will be calculated based on the wages and salaries reported to the Incomes Register. As a general rule, the TyEL earnings are the same as the employee’s earnings subject to tax withholding. The basic TyEL contribution is a percentage of the wages and salaries you pay to your employees, i.e. the actual payroll. TyEL contribution percentages are confirmed annually.
Various discounts, such as client bonuses, reduce your TyEL contribution. As an employer, you do not pay the entire TyEL contribution yourself; your employees pay a part of it. Log in to the online service to see your TyEL contributions and percentages and contribution reductions.
Read more about determining the TyEL contribution
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You receive the client bonus when you are a contract employer and your TyEL insurance is in force. You start receiving bonuses in the second year, calculated from the moment your insurance with Ilmarinen began. For example, if your insurance began on 1 April 2022, you will begin receiving client bonuses in the spring of 2023. The client bonus reduces your TyEL contribution. The client bonus primarily impacts TyEL invoices formed in March.
Temporary employers who do not have a valid TyEL agreement do not accrue client bouses.
As a large employer, you are also entitled to a contribution loss discount and the largest employers are additionally entitled to a discount for large payrolls.
Read more about client bonuses
Read more about large employers’ contribution loss discount and the discount for large payrolls
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You can defer the due date of your future invoices by no more than one month by logging in to our online service. The contract employer’s TyEL invoice will fall due during the second month following the payment of the wages or salaries. We will invoice insurance contribution interest for the second month. By logging in to the online service you can also apply for an extended term of payment for invoices falling due.
Read more about paying and invoicing TyEL contributions
Use the TyEL calculator to estimate the size of the TyEL contribution and how changing the due date affects the contribution
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You will begin receiving e-invoices once you order one from your bank. After this, we will start sending your invoices to your online bank. You can switch to corporate online invoices once you and your online invoice operator have made an agreement. You can have your invoices sent as convenient online invoices if your company’s online invoice address can be found in the Finnish invoice address registry maintained by TIEKE. You can also inform Ilmarinen directly of the online invoice address you wish your invoices to be sent to.
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A consolidated invoice combines the outstanding amounts of previous invoices. In addition, the consolidated invoice contains penalty interest on unpaid invoices. Log in to our online service to view your unpaid invoices and to retrieve a statement. The statement shows which payments and credit notes apply to the original invoice.
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You do not need to terminate your TyEL insurance if you know that you will be hiring employees in the near future. The TyEL contribution is formed based on the wages and salaries reported to the Incomes Register. If you do not have to pay wages or salaries, you will not receive an invoice.
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Have you calculated the wages on the Palkka.fi service? If you have, the TyEL contribution is formed in the Palkka.fi service. Corporate users can elect to receive an invoice for the pension contribution (TyEL) on the Palkka.fi service. In this case, Ilmarinen sends an invoice for TyEL contributions directly to the employer. Please remember that TyEL contributions do not form in the Palkka.fi service if you select this option. Make the selection in the section Työnantajatiedot > Vakuutuksiin liittyvät tiedot (Employer information > Information related to insurance). The alternatives are 1) an invoice from the employment pension insurance company or 2) payment information in Palkka.fi. The change will come into effect from the next payroll calculation that you carry out in the Palkka.fi service.
Maybe you have received the invoice as an online invoice? Check your online invoice address. Log in to Ilmarinen’s online service to see all of your TyEL invoices.
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The size of the payment reminder is reduced by a client bonus or other adjustment to the wages or salary that had not yet been included in the original invoice. Log in to the online service to view your statement and see how payments and bonuses have been allocated.
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Your employee can choose to retire on old-age pension at any time between the ages of 63 and 68. When an employee can retire depends on their year of birth. When your employee retires, remember to report their final salary, the end date of employment and the reason for termination. The final salary may include, for example, overtime compensation, holiday bonuses, annual holiday compensation, compensation for accrued time off and other similar payments. The final salary also includes performance bonuses and other earnings that you pay your employee retroactively. If you pay the final salary in several instalments, state the information on termination of employment in each of your earnings payment reports concerning the final salary.
Read more about what you need to consider when an employee retires
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You can send the earnings payment report in a number of ways: through the payroll system your company is using, by logging in to the Incomes Register’s e-service, or by using the Palkka.fi or Oima.fi services.
You need to report all the wages and salaries you have paid to the Incomes Register. As a rule, submit the report within five days of payment. The report must be submitted after each payment of wages. There is no minimum limit in euros for the data to be reported; wages paid to persons under 18 years of age must also be reported.
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Temporary employers do not have a pension policy number, or TyEL insurance number. In the earnings payment report made to the Incomes Register, temporary employers must report the company code of the employment pension insurance company in which the employees are insured. Ilmarinen’s company code is 46.
If accounting firms send an earnings payment report electronically along the technical interface directly from payroll accounting software, enter Ilmarinen’s technical insurance number 46-3000000 V in the software.
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If your company closes down or no longer has employees, it may be time to terminate the TyEL insurance. You can terminate the insurance in our online service.
Read more about terminating TyEL insurance >>
Are you no longer in need of the entrepreneur's YEL insurance?
28 questions related to the topic "pension"
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Pension accrues primarily from work, but it can also accrue on studies and certain social benefits.
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You can check the retirement ages on our ‘When can I retire?’ page.
You can see your own retirement age on the MyPension service’s pension estimate calculator. You can sign in to the MyPension service using your personal banking credentials or a mobile certificate.
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If you are not yet drawing a pension, you can make pension estimates in the MyPension service.
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The most convenient way to apply for pension is in our MyPension service. Indicate in the application if you also want to apply for a pension paid by Kela, so that we can send the application to Kela on your behalf.
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Applying for pension from abroad depends on in which countries you have lived and worked. If you live in Finland and you have lived and worked in an EU or EEA country, the UK, Switzerland or a social security agreement country, it is enough to fill in the application in the MyPension service.
Read more about applying for pension from abroad
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Fill in the disability pension application in the MyPension service for about three months before your possible sickness allowance paid by Kela ends.
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The pension decision is given in either Finnish or Swedish as they are Finland’s official languages. If you require a pension decision in another language, you need to have it translated yourself.
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The pension payment date is the first banking day of the month. If the first day of the month is a Saturday or a public holiday, the pension will arrive in your account on the following weekday.
Read more about the payment of pensions and the payment dates
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The account number can be changed in the MyPension service under ‘Omat tiedot’ (My information). You can sign in to the MyPension service using your personal Finnish online banking credentials or a mobile certificate. If you do not have online banking credentials or a mobile certificate, you can notify us of your new account number in writing. We cannot receive your account number over the phone.
Read more about online service for private customers
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The easiest way to get a certificate that shows the pension amount is in our MyPension service. You can select whether you want a certificate of the amount of monthly pension or the annual pension amount. You can sign in to the MyPension service using your personal online banking credentials or a mobile certificate. The MyPension service is only available in Finnish and Swedish.
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Your pension and benefits are taxed in a different way than earned income. That is why we cannot use the tax card meant for your wages or salary.
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If we do not have your pension tax card, we will withhold 40 per cent tax on your pension according to the tax authority’s instructions. The overpaid tax will be paid back into your account once you have applied for a pension tax card and we have received it from the tax authority. Please note that the pension tax card must be in force since the starting date of the pension.
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You can increase your tax percentage. The easiest way is in the MyPension service under ‘Omat tiedot’ (My information). You can sign in to the MyPension service using your personal banking credentials or a mobile certificate.
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We pay pension and rehabilitation benefits also to foreign bank accounts. We require your account number in the international IBAN format and your foreign bank’s BIC or SWIFT code in order to pay the pension.
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On the MyPension service you can send a message or attachment securely using the ‘Lähetä viesti’ (Send message) function.
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You need to attach to the disability pension application a Medical Statement B on your health that is no more than six months old.
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The Medical Statement B is available from your treating physician, for example from a public health care centre. If you are employed, an occupational health physician will usually write out a Medical Statement B.
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All you have to do is supply a new Medical Statement B on your state of health. The easiest way to do this is in the MyPension service under ‘Hae eläkettä’ (Apply for pension) and select ‘Hae jatkoa’ (Apply for extension).
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You can appeal the final pension decision within 30 days.
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We cannot show your pension record if your employment relationship or business operations are insured in another employment pension insurance company.
If you have already been granted a pension, instead of the pension record, we will show you your work and earnings data for the past five years. -
You can check your current pension record in the MyPension service whenever you wish to. It is important to check the pension record regularly as your future pension is calculated based on your work history.
By selecting the electronic pension record, you not only avoid archiving or securely destroying a multiple-page record, but you also save time and the environment.
The pension record is available in either Finnish or Swedish as they are Finland’s official languages. If you require the pension record in another language, you need to have it translated yourself.
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If you notice an error in the employment relationships contained in your pension record, contact your employer. The employer will report the changes to the Incomes Register, from where they will be updated in your pension record.
If the corrections concern 2018 or earlier years, submit a request for correction in the MyPension service.
Read more about the pension record
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Logging in to the MyPension service allows you to easily take care of your pension and rehabilitation matters when it best suits you.
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The amount of your pension is affected by the life expectancy coefficient. It reduces your pension depending on the year in which you were born. You can offset the impact of the life expectancy coefficient by working longer.
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You can work even while on a pension. You can work as much as you like alongside your old-age pension, partial old-age pension and survivors’ pension. If you work while on a disability or years-of-service pension, you can only earn a specific amount.
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If you are widowed, you are eligible for surviving spouse’s pension and your children under 20 are eligible for orphan’s pension. The condition for receiving surviving spouse’s pension is that you were married, in a registered partnership, in a common-law marriage or received personal continuous child support from your ex-spouse. In a common-law marriage, you may be entitled to surviving spouse’s pension if you have underage children with your spouse and you lived together for at least five years. Before 2022, common-law spouses were not entitled to surviving spouse’s pension.
19 questions related to the topic "vocational rehabilitation"
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Vocational rehabilitation is a good option when your state of health prevents you from working in your current job. The objective of vocational rehabilitation is to enable you to continue working in a job that suits your health or return to your job after your sick leave.
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The easiest way to apply for vocational rehabilitation is by filling in a rehabilitation application in the MyPension service. You need to have Finnish online banking credentials to log in.
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You will need a Medical Statement B on your current health to attach to the rehabilitation application. The Medical Statement B can be issued by your occupational health physician or your treating physician, for example a public health care physician. If you have had an occupational health negotiation with your manager and an occupational health physician, please attach a memorandum of the negotiation to your application.
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You can apply for vocational rehabilitation already during your sick leave. It is important that your possibility to continue at work and return to work is looked into early enough. You should discuss your situation with your employer and occupational health services representative or another health care professional already when health-related challenges begin to show.
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When you apply for vocational rehabilitation, you do not need to have a finished rehabilitation plan. You will receive a preliminary decision on the right to vocational rehabilitation. You can then begin to create your plan concerning returning to work, i.e. your rehabilitation plan. If needed, we will help you create a rehabilitation plan.
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The idea is for you to start creating a plan concerning your return to work, i.e. a rehabilitation plan, while the preliminary decision on vocational rehabilitation is in force. Contact your rehabilitation specialist at Ilmarinen to discuss in more detail what you should do in your situation. Your rehabilitation specialist’s contact details can be found in the preliminary decision, which is available also in our MyPension service.
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You will receive rehabilitation allowance when we have agreed on, for example, a work trial or studies, and you start them. We pay rehabilitation allowance for the duration of work trials or studies, i.e. activities that fall under your rehabilitation plan. Unfortunately, we cannot pay rehabilitation allowance based on the preliminary decision.
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The objective is for you to be able to continue in a job that suits your state of health for as long as possible after vocational rehabilitation. A job that allows you to utilise your previous work experience and training and all your acquired skills. Therefore, when making the rehabilitation plan, reflect on how you could utilise your experience, training and skills in your future job
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The career coach will help you draw up your rehabilitation plan. They are specialised in career planning and vocational guidance. They will help you plan your return to work, regardless of which part of Finland you live in. If you need help from a career coach, contact your rehabilitation specialist at Ilmarinen. You can find the contact details of your rehabilitation specialist in the preliminary vocational rehabilitation decision you have received.
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A work trial, for example, allows you to return to your previous tasks at your old workplace or to try out an entirely new job. It may become impossible, after all, for you to continue in your current work or return to it due to your state of health. If that happens, vocational retraining can help you continue in working life. If you need to, you can train for a profession where you can utilise your competence and work experience, or you can retrain in a new field. Within vocational rehabilitation, we can support your studies towards a partial qualification or an entirely new qualification.
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You will receive rehabilitation allowance when we have agreed on, for example, a work trial or studies, and you start them.
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The rehabilitation allowance is taxable income. For the payment of the rehabilitation allowance, you need to provide us with a tax card calculated for a social benefit.
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The preliminary decision on vocational rehabilitation that you have received from us includes an estimate of the amount of your rehabilitation allowance. For example when you start a work trial, we will calculate the final amount of your rehabilitation allowance and give you a separate decision. Your rehabilitation allowance is 33 per cent larger than your disability pension would be.
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Ask your school’s representative to fill in the study certificate on our website and to send it to us when you start your studies and always in August for as long as your studies last. We require the study certificate in order to pay you rehabilitation allowance, monitor the progress of your studies and pay you the reimbursement for expenses incurred due to your studies. Based on the study certificate, we will continue paying your rehabilitation allowance.
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The reimbursement for costs resulting from studies is intended, for example, for costs arising from supplies, school books or any qualification fees and fees for competence demonstrations. The reimbursement amounts to EUR 300 per semester, i.e. EUR 600 per study year. You will receive the reimbursement once every study year, always at the start of the autumn semester. You do not need to claim the reimbursement; we will pay it automatically when you send us your study certificate.
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The most convenient way to claim a travel allowance is to do it in our MyPension service. Log in to the service using your banking credentials and fill in the travel allowance claim form. You can fill in the travel allowance claim form once you have begun your studies, work trial or job coaching. Invoice all trips at once for the entire duration of the work trial. If you have incurred travel expenses due to studies or a long job coaching period, invoice them every six months. That ensures that the travel money is available to you beforehand.
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The employer and employee conclude a fixed-term employment contract for the duration of the apprenticeship training. The employer pays the employee performing the apprenticeship wages and Ilmarinen pays the employer the apprentice’s rehabilitation allowance for the portion corresponding to the wages.
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Yes, the rehabilitation allowance is always the same amount even if the working hours are shorter during the work trial.
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The recommendation is that no holidays be taken during the work trial so that the work trial period is as coherent as possible.
3 questions related to the topic "accounting firms"
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Fill in and sign the online service user agreement (pdf). Return it to us on our website using the Secure message -feature. You can also return the agreement by post to the address Ilmarinen Mutual Pension Insurance Company, P.O. Box 2, FI-00018 Ilmarinen.
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Ask your employer customer or self-employed customer to authorise your accounting firm to handle matters related to TyEL or YEL insurance in our online service. Your customer can give you the authorisation when filling in the online service user agreement.
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The price of TyEL insurance is the same in all pension companies, but the size of the discount, i.e. the amount of the client bonus, varies from one company to the next. The amount of client bonuses that a pension company can pay is impacted by the pension company’s solvency, return on investments and the efficiency of the pension company’s own operations (loading profit). Pension companies have been allowed to define the conditions for the distribution of client bonuses themselves.
Ilmarinen’s client bonus model, i.e. how Ilmarinen pays its client bonuses to individual companies, is based on each company’s payroll for the previous year and the cumulative payroll for 20 years. The client bonus is calculated annually and deducted from the customer’s TyEL contributions.
3 questions related to the topic "brokers"
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You can request credentials for Ilmarinen’s broker service by sending your contact details (name, personal identity number, email address and phone number) to the address meklarit@ilmarinen.fi. We will contact you as soon as possible. The broker service offers up-to-date information designed for brokers and allows you to manage the insurance policies under your care.
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When you log in to Ilmarinen’s online service (broker service), you can view all of your customers’ insurance policies that you manage, in the same way your customers can. If you do not have credentials for the online service yet, send a request to the address meklarit@ilmarinen.fi.
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The broker service at Ilmarinen can be contacted by phone at +358 10 284 2133 from Mon-Fri, 8 am–3 pm (3 pm–5 pm calls forwarded to customer service) and by email meklarit@ilmarinen.fi.
Through the broker service you can take care of, among other things, powers of attorney, user rights management issues for Ilmarinen’s online services, requests for offers, insurance applications etc.