I am a temporary employer

A temporary employer has no permanent employees and the amount of wages it pays during a period of six months is less than EUR 10,038 (in 2025). Temporary employers are not required to have TyEL insurance contracts.

However, the wages of employees are reported to the Incomes Register and TyEL contributions are paid for them. The TyEL contribution of a temporary employer in 2025 is 26.28% of the employees' wages and includes the administrative cost contribution. The contribution percentage for a temporary employer is the same across all earnings-related pension companies and is slightly higher than for a contract employer.

Read the instructions for reporting wages as a temporary employer

Read more about the TyEL contribution of a temporary employer

You are always welcome to become our TyEL contract customer! Even if the wages you pay over a six-month period are less than EUR 10,038 or you employ temporarily, you can still make a TyEL insurance contract. In 2025, the TyEL basic contribution for Varma's contract employers is 25.28% of employees' wages, to which an earnings-related pension company-specific administrative cost contribution is added. In addition, as a contract employer, you will receive an annual reduction on your insurance contributions in the form of client bonuses and access to Varma Online Service.

To become a contract customer, fill in the insurance application form online or request a quote from us.

You can also call us on +358 10 244 1010, and our friendly sales experts will be happy to fill in the insurance application form with you on the phone. You can reach our sales from Monday to Friday between 8 am and 4 pm.

You may also need to take out statutory workers' compensation insurance for your employees.

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