Send us a written notice indicating that you would like to use the flexibility option. The easiest way to apply for payment flexibility is through Varma Online Service. Be sure to submit the notice in good time, as the application must be processed and the additional contributions must be paid during the year of flexibility. Your notice must indicate which flexibility option you are requesting, and the amount either as a percentage or a euro amount.
You can flexibly adjust your YEL contributions if
- your insurance is valid for the full year of flexibility,
- your insurance is valid for the full calendar year with the same pension insurance company,
- you do not have overdue, unpaid YEL contributions,
- you do not receive the discount for the newly self-employed and
- you do not yet receive earnings-related pension from Finland (including part-time pension and partial old-age pension).
The flexibility will be cancelled if it is later discovered that you ware not, in fact, eligible for it due to changes made to the insurance policy. The flexibility will be cancelled, for example, if your YEL income is changed or if the insurance ends during the year of opting for flexibility. If the flexibility is cancelled, the insurance contributions will be re-calculated according to your confirmed YEL income.
Log in and apply for payment flexibility
Flexibility does not replace the usual YEL income change
YEL income must reflect your work input and operating conditions. If significant changes take place in your self-employment and the changes affect your YEL income, you should change your YEL income rather than use the flexibility option.
Change your YEL income in our online service
In terms of your other social security benefits, it is important to keep your YEL income continuously at the right level, as the flexibility option only affects pension. The flexibility option does not affect, e.g., the level of daily allowance under the Finnish Health Insurance Act or unemployment security.