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
When you become self-employed for the first time, you will get a 22% reduction on your YEL contributions. You will get the discount during the first 48 months – or four years – of your self-employment.
Self-employed person
Let us take care of your most important insurance. We want to make pension insuring easy for you.
Buy YEL insuranceEmployer
We take care of your employees' pension security and help you to promote their work ability.
Buy TyEL insurancePrivate customer
Earnings-related pension gives security in different life situations. Manage your pension and rehabilitation matters safely online.
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Current topics
Check the earnings-related pension insurance contributions for 2025
Check the contributions-
Pensioner, read this about pension tax card
Tax cards for pensioners will enter into force already on 1 January 2025. This will happen automatically.
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Send your rehabilitation tax card for 2025
Remember to send us your rehabilitation tax card for 2025 for rehabilitation allowance.
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Entrepreneur, we send elecrtonic invoices
You will receive YEL-invoices automatically as an elecrtonic online invoice if the payer of your invoices is a company and your online invoice address can be found in the online invoice address registry (verkkolaskuosoite.fi).
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Our administrative cost will decrease in 2025
The administrative cost is part of the TyEL insurance contribution, and in that respect, your TyEL contribution as our customer will decrease.
News and articles
The first quarter in Ilmarinen: Return on investments was 0.2 per cent, solvency was strong, and cost-effectiveness improved
Ilmarinen’s return on investments was 0.2 per cent, investment assets EUR 63.1 billion and solvency capital EUR 13.7 billion. Strong solvency enables the long-term investment of pension assets in an unstable market situation undermined by the trade war.
Pensioner living abroad, answer the country of residence enquiry
We annually check the information of our pension recipients living abroad, such as their address, because the changed information may have an impact on the payment of the pension.
Ilmarinen's Financial Statements 2024: The return on investments was 8.6 per cent, or EUR 5 billion – solvency strengthened and efficiency improved
Ilmarinen’s return on investments was 8.6 per cent, and cost-effectiveness was further improved. Premiums written grew by 2 per cent and operating expenses financed using loading income fell by 2 per cent.