Apply for a change in your YEL income through the Varma Online Service
You can easily submit a change application concerning your YEL income through the Varma Online Service. You can find the application under Insurance policies > Insurance policy information > Apply for a change in your YEL income. We will ask you for further information if needed.
Use your personal online banking credentials to log in to the service.
We will start processing your application and will ask you for more information if required. We will confirm your YEL income and send you a decision.
Read more about YEL income and how to determine it
Use the YEL calculator to estimate the effect of your confirmed income to contributions and social security
How long will it take to process my application?
Many factors affect the processing of an application. Changes concerning YEL income always require legal due diligence from us. It is our task to ensure that your YEL income corresponds to the value of your work input. We process applications in the order in which we receive them, and we always aim to make decisions on them as quickly as possible.
The processing time for your application is affected, for instance, by the following matters:
- We process applications in the order of arrival. Sometimes we receive a lot of applications at once, so the processing times may unfortunately increase.
- We may need to ask you for additional information about your entrepreneurial activities and your work in order to process your application. Read more about the information we may request from you.
- Every decision we issue is appealable. The appeal period is 30 days from when you receive the decision. During this 30-day period, we cannot issue you a new decision. Therefore, if you have recently received a decision from us, we will have to wait until the end of the appeal period before we can issue a new decision.
- If you have applied for a rectification or filed an appeal against a decision you previously received, we must first process it before we can issue a new decision. We also cannot issue a new decision if you have filed an appeal, for instance, with the Pension Appeal Board on a decision you received and the matter is pending.
Why are you proposing a different YEL income for me than the one I have applied for?
It is our task to ensure that your YEL income corresponds to the value of your work input. If, based on the information you provide, your current YEL income or the amount in your application does not correspond to the value of your work input, we will suggest an amount of YEL income that corresponds to it based on legislation and the Finnish Centre for Pensions’ application guidelines. Read more about how YEL income is determined.