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Manage your YEL payments online

Do you need more time to pay, a copy of an invoice, or an electronic invoice? On this page, you’ll find the most common instructions related to YEL contributions and invoices. In our online service, you can view your payment status and take care of your insurance matters easily.

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Need more time to pay your YEL invoice?

You can apply for more time in the online service if your invoice shows the button Extend term of payment. Select a new due date, calculate the new amount, and confirm the change.

If you don’t see the button, it is not possible to extend the payment time for that invoice in the online service.

See detailed instructions on how to extend the payment time in the online service.

  1. Log in to the online service

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Has the billing address or the paying company changed?

If the payer of the YEL invoice or their contact details change, update the information immediately in the online service.

How to change the payer details:

  1. Log in to the online service
  2. Select your YEL insurance
  3. Select My YEL contact information
  4. Select Contact information of invoice recipient and Modify information
  5. Enter the new details in the window that opens
  6. Finally, click Save

Would you like your YEL invoice electronically?

YEL invoices cannot be sent by email. Choose the option that suits you:

  • e-invoice, if you pay the invoices yourself
  • online invoice, if your company pays your YEL invoice

Read the instructions on how to start using electronic invoicing.

Lost your invoice or need a copy?

You can view and open invoice copies as PDFs.

How to get a copy:

  • Log in to the online service
  • Select your YEL insurance
  • Select List of contributions
  • Choose the period from the calendar and whether you want to see open, upcoming, or paid contributions
  • Select invoice copy for the invoice you want
  • You can print or save the copy if needed

Do you want to change the number of instalments?

You can change your billing interval and due months in the online service. The change does not affect invoices you have already received.

See detailed instructions on changing instalments.

Do you need a YEL certificate or a breakdown of YEL contributions?

You can download from the online service:

  • YEL certificate
  • certificate of validity
  • income certificate
  • breakdown of contributions (a summary of your payments)

YEL contributions are fully tax-deductible.

See how to deduct contributions in taxation

How is the YEL contribution determined?

The YEL contribution is a percentage of your YEL income. In 2026, the contribution is 24.4% of your confirmed YEL income. Pension accrues at 1.5% of your YEL income.

As a new entrepreneur, you get a 22% discount for up to 48 months. The discount is applied automatically when you purchase the insurance online.

Your selected due months affect the amount of your payments. With the YEL calculator, you can compare how due months and instalments affect your payments.

  1. Try the YEL calculator

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Remember to also check your YEL income

Your YEL income affects, in addition to your pension:

  • sickness allowance
  • parental allowances
  • earnings-related unemployment security
  • voluntary accident insurance
  • rehabilitation allowance
  • survivors’ pension

That’s why it’s important that your income level is correct. It is your responsibility to inform us if your income changes. Report the change in the online service.

We also ensure your income remains up to date by reviewing it regularly.

Read about reviewing your YEL income.

Frequently asked questions

  1. The button only appears on invoices where it is possible to apply for additional time in the online service.

    If you want to agree on a longer payment period, call us or send a message via the online service.

  2. We do not send YEL invoices by email.

    You can use a secure e-invoice or online invoice instead.

    Read the instructions on how to activate electronic invoicing.

  3. The extra payment may automatically reduce your next YEL invoice.

    If you want a refund, send a message in the online service:

    • Select "Issue relating to invoicing" as the subject
    • Provide details of the payment to be refunded, payment date, amount, bank account number, and recipient
    • Send the message.

  4. Often the reason is that the payment arrived after the due date.

    You can see the open amount in the online service under List of contributions.

    If the situation is unclear, contact customer service.

    Contact us

  5. If your invoice is in collection, you can usually check the latest status and agree on payment terms in the My Lowell service.

  6. YEL insurance is personal. The entrepreneur must update the invoice recipient details themselves in the online service under My YEL contact information → Contact information of invoice recipient

    The entrepreneur can also authorize another person or company via Suomi.fi authorization.

    Read how to authorize another party to handle matters on your behalf.

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