Work done in Finland is insured in Finland

The main rule in earnings-related pension insurance laws is that work done in Finland is insured in Finland.

Private-sector employers have to take out pension insurance under the Employees Pensions Act for their employees. Sailors are covered by the Seafarer’s Pensions Act. Public sector employees are mainly insured under the Public Sector Pensions Act. Self-employed workers insure their work under the Self-employed Persons’ Pensions Act.

Also a foreign employer has to take out pension insurance  under the Employees Pensions Act for its employees working in Finland.

Exemptions

Finnish employer

Employees posted to Finland from abroad do not have to be insured in Finland if

  • based on EU’s regulation on social security, they are covered by the laws of some other Member State and they have an A1 certificate, or
  • they are covered by the laws of a country with which Finland has a social security agreement and they have a certificate of coverage.

Foreign employer

A foreign employer does not have to take out insurance in Finland for employees that it has posted to Finland if

  • based on the EU regulations on social security, they are covered by the laws of some other EU Member State and have an A1 certificate,
  • based on a social security agreement, they are covered by the laws of some other country and have an A1 certificate,
  • when posted to a country with which Finland does not have a social security agreement, the posting will last for no more than 2 years, or
  • the foreign employer has been exempted from the obligation to take out insurance in Finland.