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Ilmarinen and Etera merged

Etera's former customers have transferred to Ilmarinen as of 1st January 2018. The merger  will bring you even more diverse services and the most competitive client benefits in the sector. Insurance contracts will continue normally and your familiar services will be available as usual. For a better working life – together!


Estimate your earned income

Your earned income under YEL is the value of your work input.  It has an impact on your pension and your other social security benefits. It is wise to take care of your earned income and your pension.

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Insurance contributions

Each YEL contribution increases your pension. And improves your other social security benefits. Your contributions are tax deductible.

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Pension and other social security

YEL insurance brings you security for your entire life – and beyond. If you lose your ability to work or the provider of your family, YEL insurance will help.

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Estimate of your YEL income

Earned YEL income must be between - € per year


Year of birth

YEL insurance contribution


YEL insurance contribution for new entrepreneurs*


* Discount 22 % for the first 4 years.

Daily sickness allowance


Basic daily allowance


Income must be at least

Parental allowance


earnings-related daily allowance


Income must be at least

Estimate of YEL pension


Lowest pension age years months


Target pension age years months

The amounts are estimates and calculated for the ongoing year. Earlier accrued earnings-related pension is disregarded in the calculation.

Number of instalments

Month for first instalment


    Due date YEL contribution New entrepreneur -22 %

    The number of instalments and due months affects the YEL contribution. The most economical way is to pay in one instalment in January.

    Customers who transferred from Etera

    All services for customers who transferred from Etera

    Apply for an online invoice

    Online invoicing speeds up the handling of invoices, saves costs for your company and is also eco-friendly.

    Newly self-employed or establishing a company?




    A better working life




    When you feel good, you have the resources to do your job. If your work capacity weakens, apply for rehabilitation.