Work Ability Hub provides information and tools to support work ability
In our Work Ability Hub you can find new ideas, researched information and everyday tools for employers, supervisors, entrepreneurs and employees.
Become Ilmarinen’s customer
We make sure that you receive the pension you earned from your work. That is our job. We are Finland’s largest and oldest private earnings-related pension insurance company. Responsibly for you.
Are you a new entrepreneur? Take a test to see if you need YEL insurance
Go to YEL insurance evaluation
Employer, see an estimate of your TyEL contribution for 2022 online
Log in to employer’s online serviceShortcuts
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Employer, check the TyEL earnings data
The turn of the year is getting closer so be sure to check that all the salaries of your employees are reported in the Incomes Register.
Read more about reporting earnings data -
Order guide for new entrepreneurs
The guide is a compact and free information package that helps you to find out what pension insurance is and what it gives you. Order the guide to your email.
Order the guide -
When can I retire?
You can retire on an old-age-pension and on a partial old-age-pension flexibly based on your birth date. Also find out when other pension alternatives could be an option.
Read more about when you can retire -
Apply for pension in MyPension service
When you wish to retire, apply for pension in MyPension service. Also read the instructions for applying different pensions.
Read more about applying for pension -
Get your YEL certificate from the online service
You can get four different certificates relating to your YEL insurance from our self-employed person's online service.
Read about YEL certificate -
Get your TyEL certificate from the online service
When you need a TyEL you can download it from the employer’s online service.
Read more about the TyEL certificate
Current topics
Asset diversification and zero interest rates
Diversification across asset classes and geographically is mandatory from both risk management’s and returns’ perspectives. Traditional diversification has faced new challenges in the zero interest rate macro environment over the last years. Financial stability regulation also has a profound effect on high-return diversification possibilities in Finland’s pension system.
Ilmarinen’s Interim Report 1 January to 30 June 2021: Return on investments was 8.9 per cent, solvency capital grew to more than EUR 15 billion and customers’ payrolls started to rise
The return on Ilmarinen’s investment portfolio was 8.9% (-2.0%) or EUR 4.7 billion thanks to the strong performance of the equity markets. The market value of investments grew to EUR 57.5 (53.3) billion. The long-term average return on investments was 6.1 per cent. This corresponds to an annual real return of 4.6 per cent.
The death of responsible investing – why externalities redefine traditional investing
‘Today’s externalities are tomorrow’s risks that then become day-after-tomorrow’s losses’ - Pavan Sukhdev, President of WWF International