As a self-employed person, your statutory YEL insurance forms the foundation of your social security and pension cover. Your YEL income determines the pension you accrue and the level of your social security benefits, such as sickness allowance and unemployment benefit. YEL insurance is an important part of your financial security, both in everyday life and in retirement.
An earnings-related pension provides financial security when you retire or if you lose your work ability. It also helps safeguard your family's financial security if you pass away. As a self-employed person, your earnings-related pension accrues based on the YEL income confirmed for your YEL insurance.
As a self-employed person, you are responsible for arranging your own pension and social security cover through YEL insurance. Your YEL insurance affects benefits such as sickness allowance, parental benefits and unemployment security.
If you fall ill, you can apply for sickness allowance from Kela. If you have YEL insurance, the waiting period is the day you fall ill.
YEL insurance helps secure your livelihood during periods of parental leave. Kela’s parental benefits include pregnancy allowance, parental allowance and partial parental allowance.
Self-employed people can also become unemployed. YEL insurance helps safeguard your livelihood if you become unemployed.
In our online service, you can, for instance
Sign in to the service using your personal banking codes.
Thank you for your feedback! Can you tell us what information you were looking for?
We will use the feedback we receive to develop our services. Please note, however, that we do not respond to messages sent using this form. If you have a matter related to your customer account, you can take care of it in the Varma Online Service or by contacting our customer service 010 192 100.
We use various types of statistical and marketing software that utilise e.g. cookies to improve the user experience on our website, target content and marketing, and develop our website. Some of the cookies are necessary for the website to function properly, while others help us provide you with better services when you visit our website. Visit our Cookies Cookies page page for more information or to later change your settings. The link to the page is also provided below.
Below, you can read about the different types of cookies we use and choose which cookies you want to enable. You can change your cookie settings at any time on the Cookies page. The link to the page is provided below.
