When in need of a pension insurance
We take care of the pension security of more than a million people – join us.
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 out the Work Ability Hub
Read more and find new ideas and daily tools to improve your work ability skills.-
Entrepreneur, we are switching paper invoices to electronic
If your company uses online invoicing, you will also receive YEL invoices as online invoices in the future.
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Check out the new Learning environment
Supervisors, employees and HR — the learning environment helps you to learn more about work ability.
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What is pension system like in Finland?
Read our information package.
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Our administrative cost will decrease
The administrative cost is part of the TyEL insurance contribution, and in that respect, your TyEL contribution as our customer will decrease. Read more.
News and articles
Earnings-related pension insurance contributions for 2025 confirmed
The Ministry for Social Affairs and Health has confirmed the earnings-related pension insurance contributions for 2025. The average contribution for employer’s pension insurance (TyEL) is 24.85 per cent of the payroll in 2025.
Pensioner, the 2025 tax card goes into effect already in January
Next year, tax cards for pensioners and employees will enter into force as early as 1 January 2025. The change will come into effect automatically for our pensioners, and you don't have to worry about it.
Employer, self-employed person, pensioner – 2025 earnings-related pension index and wage coefficient confirmed
The Ministry for Social Affairs and Health has confirmed the indices for earnings-related pension insurance for 2025. Next year, the earnings-related pension index is 3077, which means an approximately 1.3 per cent increase on pensions at the start of the year. The confirmed wage coefficient is 1.673. Compared to 2024, the wage coefficient will rise some 2.2 per cent.