When you take out pension insurance, you choose a partner. Go with the one that is easy to do business with. That answers your question before you even have time to ask it. That is easy to communicate with on an equal standing. One that does not hide behind legal jargon, but speaks your language. That is Ilmarinen.
The pension cover of your employees is your responsibility. Take out a TyEL insurance if you have at least one employee working for you on a continual basis and your payroll amount is at least 8 346 euro within six months (EUR 8 334 in 2017). Arrange pension cover for your employee until he or she turns 68 years. This way you ensure your employees' pension cover for his or her life length.
Pension insurance for the self-employed (YEL) secures your life and that of your family. YEL insurance assists you if you lose your work capacity, fall ill or take parental leave. Each YEL contribution increases your pension and improves your other social security. The contributions are deducted in your personal or company taxation.
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