{"id":15343,"date":"2025-09-02T11:09:58","date_gmt":"2025-09-02T08:09:58","guid":{"rendered":"https:\/\/uusyrityskeskus.fi\/me-as-an-entrepreneur\/yel-vakuutus-turvaa-eri-tilanteissa\/"},"modified":"2025-12-19T15:44:11","modified_gmt":"2025-12-19T13:44:11","slug":"yel-insurance-security-in-various-situations","status":"publish","type":"page","link":"https:\/\/uusyrityskeskus.fi\/en\/digital-startup-guide\/me-as-an-entrepreneur\/yel-insurance-security-in-various-situations\/","title":{"rendered":"YEL insurance \u2013 security in various situations"},"content":{"rendered":"\n
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YEL insurance \u2013 security in various situations<\/h1>\n<\/div>\n<\/div>\n\n\n\n
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Etusivu<\/a><\/span> \u00bb Digital Startup Guide<\/a><\/span> \u00bb Me as an entrepreneur \u2013 the many forms of entrepreneurship<\/a><\/span> \u00bb YEL insurance \u2013 security in various situations<\/span><\/span><\/div><\/div>\n<\/div>\n\n\n\n
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Did you know that YEL has a much wider impact on an entrepreneur\u2019s life than just the accrued pension? And that your YEL work income is not the same as your company\u2019s revenue?<\/em><\/p>\n\n\n\n

The entrepreneur\u2019s pension insurance (YEL) is statutory when certain conditions are met. In addition to pensions, it determines, for example, your sickness allowance, parental benefits and voluntary occupational accident insurance compensation. YEL has a much wider impact on an entrepreneur\u2019s life than just the accrual of pension.<\/p>\n\n\n\n

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Sufficient work income is key \u2013 it affects how much benefits you will receive from Kela (parental allowance, rehabilitation allowance) or pension in the future.<\/p>\n\n\n\n

When determining the insurance level, note that YEL work income is not the same as the company\u2019s revenue \u2013 estimate it realistically. You can do so using the YEL work income recommendation calculator:  YEL work income estimate calculator \u2013 Ty\u00f6el\u00e4ke.fi<\/a><\/p>\n<\/div><\/div>\n\n\n\n

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YEL calculator:<\/h4>\n\n\n\n

<\/a>YEL calculator \u2013 Calculate your YEL contribution and entrepreneur benefits \u2013 Varma<\/a><\/p>\n<\/div><\/div>\n\n\n\n

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Link:<\/h4>\n\n\n\n

<\/a>Entrepreneur\u2019s pension coverage \u2013 Ty\u00f6el\u00e4ke.fi<\/a><\/p>\n<\/div><\/div>\n\n\n\n

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\u2190 0.3. Unemployment benefits<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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0.5. Diverse entrepreneurship \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
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Need assistance?<\/h4>\n\n\n\n
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Book a consultation<\/a><\/div>\n<\/div>\n\n\n\n
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Download PDF guide<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
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0. Me as an entrepreneur<\/h4>\n\n\n\n
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  1. Light entrepreneurship <\/a><\/li>\n
  2. Start-up grant <\/a><\/li>\n
  3. Unemployment benefits for entrepreneurs <\/a><\/li>\n
  4. YEL insurance \u2013 security in various situations<\/a><\/li>\n
  5. Diverse entrepreneurship<\/a><\/li>\n <\/ol>\n<\/div>\n<\/div><\/div>\n\n\n\n
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    \"\"<\/figure>\n<\/div>\n\n
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    Ilmarisessa on ty\u00f6el\u00e4kealan tyytyv\u00e4isimm\u00e4t asiakkaat. <\/h2>\n\n\n\n

    Hanki YEL helposti meilt\u00e4!<\/p>\n\n\n\n

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    Tule asiakkaaksi<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"Did you know that YEL has a much wider impact on an entrepreneur\u2019s life than just the accrued pension? And that your YEL work income is not the same as […]","protected":false},"author":1,"featured_media":0,"parent":15314,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"iawp_total_views":23,"footnotes":""},"class_list":["post-15343","page","type-page","status-publish","hentry"],"yoast_head":"\nYEL insurance \u2013 security in various situations - Yritt\u00e4j\u00e4n el\u00e4kevakuutus opas | Uusyrityskeskus<\/title>\n<meta name=\"description\" content=\"YEL-vakuutus on pakollinen yritt\u00e4jille. Selvit\u00e4 kustannukset, ty\u00f6tulo ja hakeminen. 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