When in need of a pension insurance
We take care of the pension security of more than a million people – join us.
Get a 22% discount on YEL contributions
As a new entrepreneur, you will receive a 22% discount on your YEL contribution if your YEL insurance has been valid for less than 4 years. We will automatically check the discount..
Self-employed person
Let us take care of your most important insurance. We want to make pension insuring easy for you.
Online service for self-employedPopular pages
Employer
We take care of your employees' pension security and help you to promote their work ability.
Our services for employersPrivate customer
Earnings-related pension gives security in different life situations. Manage your pension and rehabilitation matters safely online.
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Current topics
Working life is changing, and our work ability services are evolving with it – this is how we manage careers together with your company
Find out more-
Entrepreneur, YEL income reviews continue
As of 2023, pension companies are obligated to regularly review that entrepreneurs’ YEL income meets the recommendations and corresponds with the work input.
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Remember to review your pension coverage regularly
Your pension record allows you to keep track of your pension accrual.
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Submit your study certificate and tax card
Please provide us with your study certificate each August and your tax card at the turn of the year in order for us to process your allowance. More information available behind the link.
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Pension insurance contributions in 2026
Read the summary of TyEL and YEL contributions in 2026.
News and articles
YEL reform moves forward: more choice for self-employed persons on how contributions are determined
The proposal to amend the Self-employed Persons’ Pension Act (YEL) will now proceed to Parliament. After the reform, pension contributions and pension benefits would be based either on YEL income determined much as it is today or on actual earnings.
Disruptions in the online service over
The fault has now been fixed and the services are functioning normally.
