Social security based on YEL income

Life is unpredictable, so do not make any compromises when it comes to what matters most; namely, the social security of your family and yourself.

Your YEL insurance guarantees an income in case you fall ill or become disabled or unemployed. But it also plays a role in terms of positive events during your life, such as parental leaves and retirement with old-age pension.

The YEL insurance is the foundation for the benefits payable to you by your pension insurer or Kela (the Social Insurance Institution of Finland).


  • Sickness allowance
  • Maternity or parental allowance
  • Unemployment allowance

Pension Insurer

  • Rehabilitation benefit
  • Old-age pension
  • Sickness allowance
  • Partial early old-age pension
  • Survivors’ pension

In case of illness, entrepreneurs are subject to a one-day waiting period before receiving sickness allowance. Read more at Kela’s website.