Recovery of overpayments and benefit debt

Kela recovers all overpaid benefits from recipients.
In addition

  • Kela also recovers child support debt in cases where the person liable for maintenance payments has neglected to make the required payments and Kela pays or has paid child maintenance allowance instead.
  • Kela manages the recovery of government-guaranteed student loan debt, i.e. student loan debt paid by Kela to the lending bank under the government loan guarantee.
  • Kela collects unpaid healthcare fees for higher education students.
  • Kela collects court-confirmed debts, including damages payable.

Recoveries are handled by Kela’s Overpayment Recovery Centre. If you wish to discuss a payment plan or any other recovery-related issue, please contact the Overpayment Recovery Centre.

Manage your Kela matters online

You can handle almost all recovery matters in Kela's e-service. Log in to e-service using your online bank credentials or a mobile ID.

Send details of the benefit overpayment

You can send a message through the e-service and bring up any points you wish to make about the recovery process. You can also propose a payment plan for the repayment of the debt. Select Liikamaksu- ja takaisinperintäasiat (Overpayment and recovery) for this.

Check the amount and the due date

You can use Kela’s e-service to check the amount that is being recovered, the due date and the payment details.

You can look up benefits, child support debt, student loan debt and student healthcare fees that are being recovered from you. All recovery matters, such as recovery of legal expenses, do not show in the service.

Propose a plan for payment in instalments

You can propose to pay back a benefit or a student loan debt paid under the government loan guarantee in instalments in e-service.

On the front page of e-service you can check your recovery matters. Select the matter for which you wish to propose a payment plan and then select Ehdota maksusuunnitelma (Propose a repayment plan).

Recovery of and exemption from payment of child support debt

You can propose a payment plan for the recovery of a child support debt by sending a message via e-service. As subject for the message, select Liikamaksut ja perintäasiat (Overpayments and collections).

You can also apply for an exemption of child support debt in e-service. For more detailed instructions, see the page on Exemption from payment of child support debt.

Additional information