Employer

TyEL insurance provides pension cover for employees. Learn more about who you must insure under TyEL and how to report earnings.

Information on TyEL insurance

The pension coverage of your employee is dependant on duely and timely made salary information.

You can print out an insurance certificate and change billing information.

Learn more about TyEL contributions

See the table for TyEL and YEL insurance contribution percentages and limits. You can also find information on other social insurance contributions and indexes.

See the contribution table

You can conveniently take care of many matters related to TyEL insurance and payments yourself in our eServices.

• View your TyEL insurance invoices. You can see the earnings data that the invoices are based on, as well as the payment status of your insurance. You can also save a copy of an invoice for yourself or check your payment information.
• Browse earnings and contributions by employee.
• Order a payment certificate to your email or download it as a PDF file in Finnish, Swedish and English.
• Update invoicing addresses, add an e-invoicing address and change your invoicing method.

Your user rights influence the information you can access in the service. If you do not yet have user rights, become a user of our eServices.

The age limits for old-age pension will rise by 3 months/year starting in 2018. Retiring on an old-age pension requires termination of the employment contract from which the employee retires. More on old-age pension

If the conditions are met, a long-term unemployed person born in 1957 or earlier can take out old-age pension at 62, see conditions

25 or 50% of the pension may be taken out from the age of 61. A reduction is made if the pension is taken early. The employee may continue or stop working, or agree on reduced work hours while receiving pension. Read more on partial old-age pension

is the first alternative to be considered when illness limits the employee's work ability. Vocational rehabilitation can consist of a work trial, job coaching, retraining or an apprenticeship (pdf). More on rehabilitation

can be a full or a partial pension, or a fixed-term cash rehabilitation benefit. Read more.
Disability pension (pdf)
Years-of-service pension is possible at 63 if the work capacity is reduced after at least 38 years of strenuous work. Check the qualifications for years-of-service pension (pdf).

are paid to the widow/widower and children under 18 when a family wage earner dies.
Check surviving spouse's pension entitlement. 
Widow(er)'s own pension may decrease survivor's pension, calculator
How to appy for survivors' pension