Self-employed persons

If you are self-employed or a farmer, the Sickness Allowance due to you is calculated on the basis of your insurable income under the Self-Employed Persons' Pensions Act or the Farmers' Pensions Act. If you are not insured under either of these Acts, the Sickness Allowance is calculated on the basis of the earnings you have reported to the tax authorities.

If you are insured under the Self-Employed Persons' Pensions Act or the Farmers' Pensions Act, you can claim reimbursement also for the waiting period required under the National Health Insurance (during which Sickness Allowance is normally not paid). Between the 5th and 10th days of work incapacity (i.e., after the 4-day waiting period), your Sickness Allowance is calculated solely on the basis of your insurance earnings. After the 10th day, Kela recalculates the allowance, taking into account also any other earnings you may have.

Examples of the amount of Sickness Allowance for employees, € / day
Annual earnings after deductions Daily allowance before taxes
0–1.361 0.00
6.000 14.00
10.189 23.77 Minimum amount
15.500 36.17
20.000 47.83
30 000 70.00
40 000 88.79
50 000 102.12
60 000 112.73

If your earnings have increased

If you have more recent earnings that are at least 20% higher than your income under the Self-Employed Persons' Pensions Act or the Farmers' Pensions Act (as multiplied by a wage coefficient), the allowance can be calculated on the basis of the more recent earnings. Kela will take your earnings for the 6 months immediately preceding the Sickness Allowance period and multiply them by two to arrive at an annual income. These earnings are not multiplied by a wage coefficient.

Updated 03/26/13