Entrepreneur, it’s time to review your YEL income – here’s what to do
Pension providers have a legal duty to review entrepreneurs’ confirmed income (YEL income) together with you at regular intervals. We will begin the 2026 reviews in March. Here’s what you should know.
This year, the review applies to roughly one in five of our entrepreneur customers. A review does not automatically mean that your YEL contribution will increase.
Who is included this year?
In 2026, we will review the income of entrepreneurs whose YEL insurance has been valid for at least three years. Your income is reviewed in the year when three years have passed since your previous confirmation.
If your current YEL income is within ±30% of the new recommended income level, we won’t send you a new proposal. Your income will also not be adjusted if the change would be 5% or less.
Check the proposal in our online service
When you receive an SMS or letter from us, please review our proposal in our online service. There, you can approve or decline it, and provide additional information if needed.
This is also a good time to make sure your contact details are up to date.
If we don’t hear from you within about two weeks, we will confirm a new income level based on the information we have. We can increase your YEL income by a maximum of EUR 4,000 per year on our initiative. In practice, this means your monthly contribution could rise by at most about EUR 85.
Once your new income has been confirmed, you will receive a written decision. If you wish, you have one month to appeal the decision.
Your YEL income won’t rise suddenly
Your YEL income is increased only if it differs significantly from the value of your actual work contribution. Any increase is gradual: a pension provider may raise the income by a maximum of EUR 4,000 at a time, unless you choose a higher amount yourself. The review takes place every three years after the last adjustment.
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The Self-Employed Persons' Pension Act (YEL) was renewd in early 2023
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