Frequently asked questions

YEL insurance is the basis for your pension and social security. That is why taking out the insurance is statutory, which means it is obligatory. You cannot replace YEL insurance with voluntary pension insurance. Another statutory payment is the health insurance contribution, paid in connection with taxes.

You may have to take out other insurance, depending on your sector. More information on these sector-specific mandatory insurances is available from non-life insurance companies that offer insurance, such as Pohjola Insurance. Consider supplementing your insurance cover through various voluntary insurances, such as accident insurance.

Read about who needs to take out YEL insurance and when

As a self-employed person you are responsible for your earnings-related pension insurance. You can take care of insurance by taking out self-employed person’s pension insurance, i.e. YEL insurance, for yourself. YEL insurance is part of an entrepreneur’s pension and social security, which is why it is statutory. You cannot replace the insurance with voluntary pension insurance.

Take out YEL insurance at once when you start working as a self-employed person, no later than within six months of when you started the work, if you meet the following conditions:

• You are aged between 18–67
• You have been self-employed for at least 4 months and work in your company
• You live in Finland
• Your work input is valued at least at EUR 9,010.28 in 2024.

If you do not take out insurance in time, i.e. within six months of the start of your obligation to insure, the Finnish Centre for Pensions (ETK) will urge you to take out insurance or will take it out on your behalf. In that case, you may need to pay a penalty for non-payment in addition to the regular YEL contribution.

the State Treasury determines the penalty for non-payment. We will send you a separate invoice for the penalty for non-payment after receiving the non-payment decision from the State Treasury.

Read more about the YEL insurance obligation

You can appeal against the decision within 30 days.

Read more about appealing

YEL insurance is statutory, which is why the YEL insurance contribution is the same in all employment pension insurance companies. The contribution is always a certain percentage of your YEL income. In 2024, the minimum YEL income is EUR 9,10.28 and the maximum YEL income is EUR 204,625.

The YEL contribution for those under 53 years of age and those over 62 is 24.10% and for people between 53 and 62 it is 25.60% of the confirmed YEL income in 2025. As a new entrepreneur you will receive a 22% discount on your YEL contribution for a period of four years. If your self-employment ends earlier, however, you can use the remaining discount period for another entrepreneurship period. The insurance contribution is fully tax-deductible.

As a new entrepreneur you will receive a 22 per cent discount on your YEL contribution for a period of four years. If your self-employment ends earlier, you can use the remaining discount period for another period of entrepreneurship. The YEL calculator provides an estimate of YEL insurance contribution and social security level at different YEL income levels. The calculator also allows you to compare how the instalment months and number of instalments impact the YEL contribution.

More information for new entrepreneurs

The YEL income should correspond to the monetary value of your work input. In other words, your YEL income should correspond to the annual salary you would have to pay for the same work to another person as skilled as yourself.

YEL income does not mean your taxable income or the salary you pay yourself. YEL income is also not your company’s profit or turnover, and it is not dependent on the profitability of your business.

YEL income is always determined on an annual basis, regardless of when your YEL insurance begins. The YEL income is used as the basis for calculating the pension that you accrue from your entrepreneurship and your YEL insurance contribution. The allowances paid by Kela, such as the sickness and parental allowances, are also calculated based on your confirmed YEL income. In addition, the YEL income determines the level of your unemployment security.

The YEL income includes all the work you do as an entrepreneur. You only need one YEL insurance even if you have several companies. You should take out YEL insurance when your work input exceeds the minimum YEL limit of EUR 9,010.28 in 2024.

As a result of the renewed YEL act in the beginning of year 2023 we are obligated to review your YEL income regularly. This is to ensure that your YEL income is at the recommended level and corresponds to the monetary value of your work input. As a self-employed person, your pension and other social security are based on your YEL income.

You will receive a text message or letter when your YEL income recommendation is available in the our online service. You can accept or reject the recommendation. If you reject the recommendation, we kindly ask you to answer a few more questions.

You can always apply for a change in your YEL income if your work as an entrepreneur changes. 

A maximum increase applies If your insurance started before 1 January 2023 and your YEL income has not been changed at your own request after the law has come into force. In that case, your YEL income can be increased by up to EUR 4,000 per review in the first two reviews, when the review is initiated by the pension insurance company.

Read more about the YEL income reviews

YEL insurance is mandatory and it is the basis for an entrepreneur’s pension and social security. Take out YEL insurance once you have started working as a self-employed person. When we confirm your YEL income, we take into account your company’s estimated turnover, the pay level in your sector, the number of hours you work and the possible seasonal nature of your operations.

The YEL insurance secures your income in the event of old age, disability or the death of a family provider. In addition to your future pension, the benefits paid by Kela, such as sickness allowance and parental allowance, are determined based on the YEL income. Kela provides more information on the allowances it pays and how they are determined. A self-employed person’s accident insurance contribution and the compensation for loss of income paid under the insurance are also based on your YEL income. YEL income also determines the level of your unemployment security. As a member of Yrittäjäkassa, you can receive an allowance based on your YEL income.

Read more about social security and pension for the self-employed

As Ilmarinen’s customer, you can log in to our online service using your personal online banking credentials. To log in, click on the ‘Log in’ button in the upper right-hand corner of the ilmarinen.fi page. In the online service you can see your YEL contribution information and easily check the amount of your YEL income and how much pension you have accrued.

Read about what you can do in our online service

Log in to the online service

Yes, as we do not automatically get your changed contact information elsewhere. As an entrepreneur, you can update your own address, email and phone number or the recipient of your YEL invoice conveniently in our online service under My YEL contact information.

If you wish to switch from paper invoices to electronic invoices, choose an online invoice or an e-invoice. Online invoices arrive in your company’s invoice handling system and e-invoices will be sent to your personal online bank. You will begin receiving online invoices once you agree on it with your online invoice operator. 

Read more about electronic YEL invoices

Read more about electronic TyEL invoices

As Ilmarinen’s customer, you can log in to our online service using your personal online banking credentials. To log in, go to the upper right-hand corner of the ilmarinen.fi page. In the online service, you can see the situation concerning your paid and unpaid YEL contributions, save a copy of the invoice (PDF) and apply for an extended term of payment. You can find the information under ‘List of contributions’.

Log in to our online service

As Ilmarinen’s customer, you can log in to the self-employed person’s online service using your personal online banking credentials. To log in, go to the upper right-hand corner of the ilmarinen.fi page. In the online service, you can see the situation concerning your paid and unpaid YEL contributions, save a copy of the invoice (PDF) and apply for an extended term of payment. You can find the information under ‘List of contributions’.

Log in to the self-employed person’s online service

All your invoice information can always be found in our online service, where you can see your up-to-date payment situation. You can also print an invoice copy and pay the invoice in our service. At the same time, it is good to check in our service that your address and other contact information are up to date.

You will receive your YEL invoice from us as an electronic online invoice when your invoice is paid by a company and your e-invoice address can be found in the online invoice address registry (verkkolaskuosoite.fi).

You can terminate your insurance for the duration of the family leave, if you will not be working at all during this time. Parental allowance is applied for from Kela. Parental allowance is determined based on the earned income under your YEL insurance. Do not terminate your YEL insurance if you work during your leave and your work input exceeds the confirmed YEL income lower limit (EUR 9,010.28 in 2024). In that case, make sure that the income under your YEL insurance corresponds to your work input during the leave.

Read more about family leave for the self-employed

If your illness is short, keep your YEL insurance in effect. If you need to, you can apply for an extended term of payment for your YEL contributions in our online service.

If your disability lasts several months, you can terminate your YEL insurance to end on the day you fell ill. You can submit the termination notification in our online service. If you get back to being an entrepreneur after your illness, take out new YEL insurance.

If you apply for compensation from the self-employed person’s voluntary accident insurance, remember that the YEL insurance must be in force on the date of the accident or manifestation of the occupational disease.

Read more about what happens when a self-employed person falls ill

Terminating your YEL insurance may come to question if your self-employment has ended completely or become so minor that your YEL income is lower than the lower limit specified for YEL insurance. If you no longer work in your company, you can terminate your YEL-insurance even if you don't close your business yet. Your company’s legal form, ownership structure or your position as an entrepreneur may also have changed so that you no longer need YEL insurance.

Terminate your YEL insurance by logging in to our online service with your personal online banking credentials or with a mobile certificate.

Read more about terminating YEL insurance

Are you also thinking about terminating TYEL insurance for your employees? Read more about terminating TyEL insurance

It is possible to receive your YEL insurance letters and invoices in OmaPosti service. If you would also like to have your pension insurance letters and invoices sent there, you should elect to have your post directed to the OmaPosti service.

You can get your YEL insurance decisions either by post or electronically on the Suomi.fi or OmaPosti services.

You can get decisions on your YEL insurance sent to the above-mentioned electronic services if you have activated either one of them. If you use both services, your post will generally be sent to the Suomi.fi Messages. To ensure that you receive notifications of new documents, make sure that you have given your current valid email address to the Suomi.fi Messages service. Log in to Suomi.fi to activate the Messages service.

When you buy YEL insurance, letters related to the starting of your insurance will be sent to the Suomi.fi or OmaPosti services. When applying for a change to your YEL income, applying for flexible YEL contributions or terminating your YEL insurance, our decision will be sent to one of these two services.

YEL invoices can be sent either by post or electronically.

Electronic invoices arrive quickly and are environmentally friendly. They are also easy to archive. You can choose whether you want the electronic invoice sent to your company’s invoice handling system or your online bank.

Read more about how to switch to electronic invoices

According to Keva’s instructions, a pension insurance contribution should always be paid on work carried out in the public sector, even if the entrepreneur would not be obligated to take out YEL insurance due to the small scale of their activities. This is why your public sector customers may ask for a YEL insurance certificate.

If you have not taken out YEL insurance, the municipality will charge a JuEL insurance contribution on assignments. The share of the JuEL insurance of the invoice is some 6–8%.

You need to have YEL insurance if the same seasonal activities continue annually and other YEL insurance conditions are met. Keep your YEL insurance in force continuously and year-round.

Estimate your YEL income based on the amount of work during your work months. If, for example, you work five months during the year, your YEL income is equal to the value of your work input during these months.

Read about the general conditions for YEL insurance

Read more about estimating YEL income

The law was specified in terms of how entrepreneur's YEL income should be assessed. The basis for determining the YEL income remained unchanged. YEL income should correspond to the salary or compensation that should be paid if the entrepreneur's work was done by another equally skilled person instead of the entrepreneur.

In addition, pension companies check the level of the entrepreneur's YEL income every three years. The pension company establishes the YEL income and takes into account all information about the scope and quality of the entrepreneur's work input in the overall discretion.

Read more about what law reform is all about

Employers need TyEL insurance if they continuously employ an employee or employees, or if the wages of fixed-term employees exceed the annually confirmed earnings limit over six months.

When you hire an employee, you need to take care of TyEL insurance and your other obligations as an employer. If you estimate that you will pay more than EUR 1,300 during the calendar year, you need to insure your employees with workers’ compensation insurance and with group pension insurance. Ask your non-life insurance company for more information. Take out insurance before your employee starts his or her work. In addition, you are usually also required to pay the unemployment insurance contribution.

Read more about insuring an employee

Summer and seasonal employees are insured the same way as other employees. If you already have valid TyEL insurance, all of your employees are insured under this same insurance.

Read more about insuring summer and seasonal employees

Freelance work usually means temporary jobs for several different employers. A freelancer can be either a self-employed person, an employee or they can receive non-wage compensation without being self-employed or employed. What is common to all types of freelance work is the temporary nature of the work and the freelancer’s opportunity to work relatively freely for different employers. If you have agreed to hire a freelancer under an employment contract, then they must be insured under TyEL.

Read more about insuring freelancers

Yes, you need to insure an au pair. Hiring an au pair creates an employment relationship, so it is a good idea to sign a written contract with the au pair, which includes the employment terms. You must also report the wages you have paid to the au pair to the Incomes Register.

Read more about hiring an au pair

If you post your employee from Finland to a foreign country, arrange his or her pension and social security well ahead of time, regardless of whether the move is temporary or permanent. First find out which country’s legislation you must follow and arrange the pension cover accordingly.

Read more about insuring an employee moving abroad from Finland

Your employee’s pension cover is your responsibility also when you hire an employee from abroad to work in Finland. This applies to both Finnish and foreign employers. Your employee must be insured under Finnish earnings-related pension insurance from the very beginning of their employment, if they work directly for a Finnish employer and sign an employment contract.

Read more about insuring an employee coming to Finland from abroad

The TyEL contribution is based on the wages and salaries and fringe benefits you pay. The TyEL contribution will be calculated based on the wages and salaries reported to the Incomes Register. As a general rule, the TyEL earnings are the same as the employee’s earnings subject to tax withholding. The basic TyEL contribution is a percentage of the wages and salaries you pay to your employees, i.e. the actual payroll. TyEL contribution percentages are confirmed annually.

Various discounts, such as client bonuses, reduce your TyEL contribution. As an employer, you do not pay the entire TyEL contribution yourself; your employees pay a part of it. Log in to the online service to see your TyEL contributions and percentages and contribution reductions.

Read more about determining the TyEL contribution

Learn about TyEL contribution percentages

Log in to the online service

You receive the client bonus when you are a contract employer and your TyEL insurance is in force. You start receiving bonuses in the second year, calculated from the moment your insurance with Ilmarinen began. For example, if your insurance began on 1 April 2024, you will begin receiving client bonuses in the spring of 2025. The client bonus reduces your TyEL contribution. The client bonus primarily impacts TyEL invoices formed in March.

Temporary employers who do not have a valid TyEL agreement do not accrue client bouses.

As a large employer, you are also entitled to a contribution loss discount.

Read more about client bonuses

Read more about large employers’ contribution loss discount

You can defer the due date of your future invoices by no more than one month by logging in to our online service. The contract employer’s TyEL invoice will fall due during the second month following the payment of the wages or salaries. We will invoice insurance contribution interest for the second month. By logging in to the online service you can also apply for an extended term of payment for invoices falling due.

Read more about paying and invoicing TyEL contributions

Use the TyEL calculator to estimate the size of the TyEL contribution and how changing the due date affects the contribution

Most banks offer an e-invoicing service. Go to ’e-invoices’ in your online bank and order Ilmarinen’s invoice as an e-invoice to your bank. Select “TYEL CONTRIBUTION” as the invoicing subject. Also include your TyEL insurance policy number in your order. An e-invoice contains the same information as a paper invoice.

Once you switch over to using e-invoices the next invoice you receive from us will probably be an e-invoice. When the invoice arrives in your online bank, follow these steps:

1. Open the e-invoice and read it.
2. Click the link on the e-invoice to access an invoice that looks like a paper copy.
3. Confirm the invoice and the program will pay the invoice for you on the due date.
4. You can go back to the invoice any time – your e-invoices will be retained in good order in your online bank where you can browse them whenever you like.

Read more about electronic TyEL invoice

A consolidated invoice combines the outstanding amounts of previous invoices. In addition, the consolidated invoice contains penalty interest on unpaid invoices. Log in to our online service to view your unpaid invoices and to retrieve a statement. The statement shows which payments and credit notes apply to the original invoice.

You do not need to terminate your TyEL insurance if you know that you will be hiring employees in the near future. The TyEL contribution is formed based on the wages and salaries reported to the Incomes Register. If you do not have to pay wages or salaries, you will not receive an invoice.

Have you calculated the wages on the Palkka.fi service? If you have, the TyEL contribution is formed in the Palkka.fi service. Corporate users can elect to receive an invoice for the pension contribution (TyEL) on the Palkka.fi service. In this case, Ilmarinen sends an invoice for TyEL contributions directly to the employer. Please remember that TyEL contributions do not form in the Palkka.fi service if you select this option. Make the selection in the section Työnantajatiedot > Vakuutuksiin liittyvät tiedot (Employer information > Information related to insurance). The alternatives are 1) an invoice from the employment pension insurance company or 2) payment information in Palkka.fi. The change will come into effect from the next payroll calculation that you carry out in the Palkka.fi service.

Maybe you have received the invoice as an online invoice? Check your online invoice address. Log in to Ilmarinen’s online service to see all of your TyEL invoices.

The size of the payment reminder is reduced by a client bonus or other adjustment to the wages or salary that had not yet been included in the original invoice. Log in to the online service to view your statement and see how payments and bonuses have been allocated.

Your employee can choose to retire on old-age pension at any time between the ages of 63 and 68. When an employee can retire depends on their year of birth. When your employee retires, remember to report their final salary, the end date of employment and the reason for termination. The final salary may include, for example, overtime compensation, holiday bonuses, annual holiday compensation, compensation for accrued time off and other similar payments. The final salary also includes performance bonuses and other earnings that you pay your employee retroactively. If you pay the final salary in several instalments, state the information on termination of employment in each of your earnings payment reports concerning the final salary.

Read more about what you need to consider when an employee retires

You can send the earnings payment report in a number of ways: through the payroll system your company is using, by logging in to the Incomes Register’s e-service, or by using the Palkka.fi or Oima.fi services.

You need to report all the wages and salaries you have paid to the Incomes Register. As a rule, submit the report within five days of payment. The report must be submitted after each payment of wages. There is no minimum limit in euros for the data to be reported; wages paid to persons under 18 years of age must also be reported.

Read more about reporting earnings data

Temporary employers do not have a pension policy number, or TyEL insurance number. In the earnings payment report made to the Incomes Register, temporary employers must report the company code of the employment pension insurance company in which the employees are insured. Ilmarinen’s company code is 46.

If accounting firms send an earnings payment report electronically along the technical interface directly from payroll accounting software, enter Ilmarinen’s technical insurance number 46-3000000 V in the software.

Read more about reporting earnings data

If your company closes down or no longer has employees, it may be time to terminate the TyEL insurance. You can terminate the insurance in our online service.

Read more about terminating TyEL insurance >>

Are you no longer in need of the entrepreneur's YEL insurance?

Read more about terminating YEL insurance >>

Pension accrues primarily from work, but it can also accrue on studies and certain social benefits.

Read more about pension accrual

You can check the retirement ages on our ‘When can I retire?’ page.

You can see your own retirement age on the MyPension service’s pension estimate calculator. You can sign in to the MyPension service using your personal banking credentials or a mobile certificate.

Read more about online service for private customers

If you are not yet drawing a pension, you can make pension estimates in the MyPension service.

Log in to MyPension service

Read more about the pension calculator

The most convenient way to apply for pension is in our MyPension service. Indicate in the application if you also want to apply for a pension paid by Kela, so that we can send the application to Kela on your behalf.

Log in to MyPension service

Read more about applying for pension

Read more about online service for private customers

Applying for pension from abroad depends on in which countries you have lived and worked. If you live in Finland and you have lived and worked in an EU or EEA country, the UK, Switzerland or a social security agreement country, it is enough to fill in the application in the MyPension service.

Log in to MyPension service

Read more about applying for pension from abroad

Fill in the disability pension application in the MyPension service for about three months before your possible sickness allowance paid by Kela ends.

Log in to MyPension service

Read more about applying for disability pension

Read more about online service for private customers

The pension decision is given in either Finnish or Swedish as they are Finland’s official languages. If you require a pension decision in another language, you need to have it translated yourself.

The pension payment date is the first banking day of the month. If the first day of the month is a Saturday or a public holiday, the pension will arrive in your account on the following weekday.

Read more about the payment of pensions and the payment dates

The account number can be changed in the MyPension service under ‘Omat tiedot’ (My information). You can sign in to the MyPension service using your personal Finnish online banking credentials or a mobile certificate. If you do not have online banking credentials or a mobile certificate, you can notify us of your new account number in writing. We cannot receive your account number over the phone.

Log in to MyPension service

Read more about online service for private customers

Your earnings-related pension and surviving spouse’s pension will be paid as a single instalment into your account on the pension payment date. The pensions are paid into the same account.

The easiest way to get a certificate that shows the pension amount is in our MyPension service. You can select whether you want a certificate of the amount of monthly pension or the annual pension amount. You can sign in to the MyPension service using your personal online banking credentials or a mobile certificate. The MyPension service is only available in Finnish and Swedish.

Read more about online service for private customers

Your pension and benefits are taxed in a different way than earned income. That is why we cannot use the tax card meant for your wages or salary.

If we do not have your pension tax card, we will withhold 40 per cent tax on your pension according to the tax authority’s instructions. The overpaid tax will be paid back into your account once you have applied for a pension tax card and we have received it from the tax authority. Please note that the pension tax card must be in force since the starting date of the pension.

You can increase your tax percentage. The easiest way is in the MyPension service under ‘Omat tiedot’ (My information). You can sign in to the MyPension service using your personal banking credentials or a mobile certificate.

Read more about online service for private customers

We pay pension and rehabilitation benefits also to foreign bank accounts. We require your account number in the international IBAN format and your foreign bank’s BIC or SWIFT code in order to pay the pension.

Read more about the payment of pension abroad

On the MyPension service you can send a message or attachment securely using the ‘Lähetä viesti’ (Send message) function.

Log in to the MyPension service

You need to attach to the disability pension application a Medical Statement B on your health that is no more than six months old.

The Medical Statement B is available from your treating physician, for example from a public health care centre. If you are employed, an occupational health physician will usually write out a Medical Statement B.

All you have to do is supply a new Medical Statement B on your state of health. The easiest way to do this is in the MyPension service under ‘Hae eläkettä’ (Apply for pension) and select ‘Hae jatkoa’ (Apply for extension).

Log in to MyPension service

Read more about online service for private customers

You can appeal the final pension decision within 30 days.

Read more about filing an appeal

We cannot show your pension record if your employment relationship or business operations are insured in another employment pension insurance company.

If you have already been granted a pension, instead of the pension record, we will show you your work and earnings data for the past five years.

You can check your current pension record in the MyPension service whenever you wish to. It is important to check the pension record regularly as your future pension is calculated based on your work history.

By selecting the electronic pension record, you not only avoid archiving or securely destroying a multiple-page record, but you also save time and the environment.

The pension record is available in either Finnish or Swedish as they are Finland’s official languages. If you require the pension record in another language, you need to have it translated yourself.

If you notice an error in the employment relationships contained in your pension record, contact your employer. The employer will report the changes to the Incomes Register, from where they will be updated in your pension record.

If the corrections concern 2018 or earlier years, submit a request for correction in the MyPension service.

Read more about the pension record

Logging in to the MyPension service allows you to easily take care of your pension and rehabilitation matters when it best suits you.

The MyPension service is only available in Finnish and Swedish.

Read more about online service for private customers

The amount of your pension is affected by the life expectancy coefficient. It reduces your pension depending on the year in which you were born. You can offset the impact of the life expectancy coefficient by working longer.

The objective of the earnings-related pension index is for current pensions to grow in line with wages to retain the purchasing power of pensions.

The wage coefficient ensures that the amount of your pension that is beginning corresponds to your earnings level during your career. When calculating your pension amount, we use the wage coefficient to convert all of the wages paid to you during your career and the YEL income you have earned as a self-employed person to the level of the year that the pension starts.

You can work even while on a pension. You can work as much as you like alongside your old-age pension, partial old-age pension and survivors’ pension. If you work while on a disability or years-of-service pension, you can only earn a specific amount.

Read more about working while on a pension

If you are widowed, you are eligible for surviving spouse’s pension and your children under 20 are eligible for orphan’s pension. The condition for receiving surviving spouse’s pension is that you were married, in a registered partnership, in a common-law marriage or received personal continuous child support from your ex-spouse. In a common-law marriage, you may be entitled to surviving spouse’s pension if you have underage children with your spouse and you lived together for at least five years. Before 2022, common-law spouses were not entitled to surviving spouse’s pension. 

Read more about survivors’ pension

Vocational rehabilitation is a good option when your state of health prevents you from working in your current job. The objective of vocational rehabilitation is to enable you to continue working in a job that suits your health or return to your job after your sick leave.

The easiest way to apply for vocational rehabilitation is by filling in a rehabilitation application in the MyPension service. You need to have Finnish online banking credentials to log in.

Log in to MyPension service

You will need a Medical Statement B on your current health to attach to the rehabilitation application. The Medical Statement B can be issued by your occupational health physician or your treating physician, for example a public health care physician. If you have had an occupational health negotiation with your manager and an occupational health physician, please attach a memorandum of the negotiation to your application. 

Go to the rehabilitation forms

You can apply for vocational rehabilitation already during your sick leave. It is important that your possibility to continue at work and return to work is looked into early enough. You should discuss your situation with your employer and occupational health services representative or another health care professional already when health-related challenges begin to show.

When you apply for vocational rehabilitation, you do not need to have a finished rehabilitation plan. You will receive a preliminary decision on the right to vocational rehabilitation. You can then begin to create your plan concerning returning to work, i.e. your rehabilitation plan. If needed, we will help you create a rehabilitation plan.

The idea is for you to start creating a plan concerning your return to work, i.e. a rehabilitation plan, while the preliminary decision on vocational rehabilitation is in force. Contact your rehabilitation specialist at Ilmarinen to discuss in more detail what you should do in your situation. Your rehabilitation specialist’s contact details can be found in the preliminary decision, which is available also in our MyPension service.

Log in to MyPension service

You will receive rehabilitation allowance when we have agreed on, for example, a work trial or studies, and you start them. We pay rehabilitation allowance for the duration of work trials or studies, i.e. activities that fall under your rehabilitation plan. Unfortunately, we cannot pay rehabilitation allowance based on the preliminary decision.

The objective is for you to be able to continue in a job that suits your state of health for as long as possible after vocational rehabilitation. A job that allows you to utilise your previous work experience and training and all your acquired skills. Therefore, when making the rehabilitation plan, reflect on how you could utilise your experience, training and skills in your future job

The career coach will help you draw up your rehabilitation plan. They are specialised in career planning and vocational guidance. They will help you plan your return to work, regardless of which part of Finland you live in. If you need help from a career coach, contact your rehabilitation specialist at Ilmarinen. You can find the contact details of your rehabilitation specialist in the preliminary vocational rehabilitation decision you have received.

A work trial, for example, allows you to return to your previous tasks at your old workplace or to try out an entirely new job. It may become impossible, after all, for you to continue in your current work or return to it due to your state of health. If that happens, vocational retraining can help you continue in working life. If you need to, you can train for a profession where you can utilise your competence and work experience, or you can retrain in a new field. Within vocational rehabilitation, we can support your studies towards a partial qualification or an entirely new qualification.

You will receive rehabilitation allowance when we have agreed on, for example, a work trial or studies, and you start them.

The rehabilitation allowance is taxable income. For the payment of the rehabilitation allowance, you need to provide us with a tax card calculated for a social benefit.

The preliminary decision on vocational rehabilitation that you have received from us includes an estimate of the amount of your rehabilitation allowance. For example when you start a work trial, we will calculate the final amount of your rehabilitation allowance and give you a separate decision. Your rehabilitation allowance is 33 per cent larger than your disability pension would be.

Ask your school’s representative to fill in the study certificate on our website and to send it to us when you start your studies and always in August for as long as your studies last. We require the study certificate in order to pay you rehabilitation allowance, monitor the progress of your studies and pay you the reimbursement for expenses incurred due to your studies. Based on the study certificate, we will continue paying your rehabilitation allowance.

The reimbursement for costs resulting from studies is intended, for example, for costs arising from supplies, school books or any qualification fees and fees for competence demonstrations. The reimbursement amounts to EUR 300 per semester, i.e. EUR 600 per study year. You will receive the reimbursement once every study year, always at the start of the autumn semester. You do not need to claim the reimbursement; we will pay it automatically when you send us your study certificate.

The most convenient way to claim a travel allowance is to do it in our MyPension service. Log in to the service using your banking credentials and fill in the travel allowance claim form. You can fill in the travel allowance claim form once you have begun your studies, work trial or job coaching. Invoice all trips at once for the entire duration of the work trial. If you have incurred travel expenses due to studies or a long job coaching period, invoice them every six months. That ensures that the travel money is available to you beforehand.

The employer and employee conclude a fixed-term employment contract for the duration of the apprenticeship training. The employer pays the employee performing the apprenticeship wages and Ilmarinen pays the employer the apprentice’s rehabilitation allowance for the portion corresponding to the wages.

Read more about apprenticeship training

Yes, the rehabilitation allowance is always the same amount even if the working hours are shorter during the work trial.

Read more about the rehabilitation allowance

Read more about work trials

The recommendation is that no holidays be taken during the work trial so that the work trial period is as coherent as possible.

We use the Suomi.fi e-Identification service in our online service. This means that you are able to log in to our service using your personal online banking codes or a mobile certificate even when you are handling insurance matters on behalf of your customer. For that purpose, you need either a register role or a Suomi.fi mandate.

In order for you as an accountant to be able to act on behalf of your customer, the customer must grant your accounting agency a mandate for transactions. The mandate is requested from the customer in the Suomi.fi service. As an accountant you can make the request yourself if you have a representative’s right to grant a mandate.

Before requesting a mandate for transactions from a customer, choose the extent of the access rights you need for our service. In general, a mandate for processing TyEL insurance, payment and earnings information is a suitable mandate for an accounting agency.

When you are an assignor in an accounting agency, there are two mandate types you need:

1. customers’ mandates for transactions, which must be requested from the customer, and
2. internal mandates to represent, which are managed internally in the accounting agency.

Both of these mandate types must be taken care of in order for you to be able to handle your customer’s matters.

Read more about taking care of mandate matters.

In order for you as an accountant to be able to act on behalf of your customer, the customer must grant your accounting agency a mandate for transactions. The mandate is requested from the customer in the Suomi.fi service.

Read more about the madates.

You can also take care of your customer's YEL insurance matters in our customer service. This can be done when the entrepreneur has given your accounting office the Processing YEL insurance and payment information mandate for transaction in the Suomi.fi e-Authorization service, and your accounting office has given you a mandate to represent the entrepreneur in Suomi.fi.

This way, you can take care of insurance matters on behalf of the entrepreneur by phone in our customer service. In the future, you can take care of your entrepreneur customer's insurance matters with the same mandate also in our online service.

Read more about giving and asking for mandates on behalf of an entrepreneur.

You don’t need separate credential to access our online service.

When you want to handle your customer company’s matters in our online service, you need a Suomi.fi mandate from your customer company. Suomi.fi mandates are electronic powers of attorney that give the holder the right to act on behalf of another party.

Read more about mandates and what to do.

Once logged in to our online service, you will be able to see your customer company’s insurance matters same as your customers themselves see them.

In order to handle your customer company’s TyEL-insurance matters in our online service, you need a Suomi.fi mandate from your customer company. Request a mandate in the Suomi.fi service. You can also ask for information about your customer company at meklarit@ilmarinen.fi.

You can also take care of your customer's YEL insurance matters in our customer service. This can be done when the entrepreneur has given your broker office the Processing YEL insurance and payment information mandate for transaction in the Suomi.fi e-Authorization service, and your broker office has given you a mandate to represent the entrepreneur in Suomi.fi.

This way, you can take care of insurance matters on behalf of the entrepreneur by phone in our customer service. In the future, you can take care of your entrepreneur customer's insurance matters with the same mandate also in our online service.

Read more about giving and asking for mandates on behalf of an entrepreneur.

The broker service at Ilmarinen can be contacted by phone at +358 10 284 2133 from Mon-Fri, 9 am–3 pm (3 pm–4 pm calls forwarded to customer service) and by email meklarit@ilmarinen.fi.

Through the broker service you can take care of, among other things, powers of attorney, requests for offers, insurance applications etc.