Self-employed person retires
As a self-employed person you have to arrange pension insurance for yourself by paying pension contributions under the Self-Employed Persons’ Pensions Act (YEL) or the Farmers’ Pensions Act (MYEL). When you reach retirement age you can apply for an earnings-related pension from the pension provider with which you are insured.
If your earnings-related pension is small, you can also get pensions provided by Kela.
Earnings-related pension for self-employed persons
- The amount of the earnings-related pension is based on the reported income under the YEL or MYEL pension insurance schemes.
- Apply for an earnings-related pension from your pension provider (tyoelake.fi).
The national pension provided by Kela supplements the earnings-related pension
- If your earnings-related pension is small or if you get no earnings-related pension, you can get a national pension from Kela. The old-age pension is a type of national pension intended for persons who have reached the age of 65 years.
- Read instructions for how to apply for old-age pension and about the amount of the pension.
The guarantee pension secures a minimum pension
- The amount of the guarantee pension is reduced by any other pension income the recipient may get from Finland or from abroad. Kela cannot grant a guarantee pension until you have applied for all other pensions.
- Read instructions for how to apply for guarantee pension and about the amount of the pension.
Persons with low incomes can also get housing allowance
- If you are a pensioner with low incomes and you get for instance an earnings-related pension or an old-age pension provided by Kela, you can apply for housing allowance for pensioners.
- Read instructions for how to apply for housing allowance for pensioners and about the amount of the allowance.