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Företagare som pensionär

Är du pensionerad och funderar på att starta eget företag? Om du får ålderspension behöver du inte någon pensionsförsäkring för företagare, dvs. FöPL-försäkring, som i övrigt är obligatorisk för företagare. Om du får partiell ålderspension, invalidpension eller arbetslivspension är det möjligt att du behöver en FöPL-försäkring.

FöPL-försäkringen är frivillig om du får ålderspension

Du kan arbeta som företagare även om du får ålderspension. Då behöver du ingen pensionsförsäkring för företagare, dvs. FöPL-försäkring, som i övrigt är obligatorisk för företagare. Om du fortsätter att vara företagare när du får ålderspension enligt Finlands pensionslagar eller får motsvarande pension från utlandet, kan du om du vill teckna en frivillig FöPL-försäkring.

Om du tecknar en frivillig FöPL-försäkring innebär det att du tjänar in mer pension fram till din högsta pensionsålder. Teckna en försäkring genom att fylla i en försäkringsansökan på webbtjänsten eller ringa vår kundtjänst på 010 195 000 (normala mobiltelefon- eller lokalnätsavgiften). Kundtjänsten är öppen vardagar kl. 8–17.

Ansök i god tid, för du kan inte teckna försäkringen retroaktivt, utan försäkringen börjar tidigast den dag då du lämnat in din ansökan.

När är FöPL-försäkringen obligatorisk för pensionärsföretagare?

Om du får partiell ålderspension, invalidpension eller arbetslivspension är det möjligt att du behöver en FöPL-försäkring. Då är FöPL-försäkringen obligatorisk om din arbetsinkomst överskrider miniminivån för FöPL-arbetsinkomst.

Om du får invalid- eller arbetslivspension har du dessutom en personlig inkomstgräns för hur mycket du får förtjäna. Om du överväger att arbeta som företagare under din invalid- eller arbetslivspension kan du kontrollera din inkomstgräns på MinPension eller kontakta vår kundtjänst.

Logga in på MinPension

Om du får ålderspension eller partiell ålderspension kan du arbeta fritt utan några inkomstgränser.