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 employees have to be insured by their employer under the Employees Pensions Act.
  • Sailors are to be insured under by their employer under the Seafarer’s Pensions Act.
  • Public sector employees are mainly insured by their employer under the Public Sector Pensions Act.
  • Self-employed workers have to insure their work under the Self-employed Persons’ Pensions Act.

Also foreign employers have to insure their employees working in Finland under the Employees Pensions Act.

There are exemptions to the insurance obligation for, among others, posted employees. For more detailed information on the exemptions, go to the page on Foreign employees in Finland.

Who is a posted worker?

A worker can be a posted worker both from the perspective of social security and labour law.

According to the EU Regulations on social security, a worker is a posted worker if

  • the person can get an A1 certificate from the sending country, and
  • the employer pays social security contributions to and the worker gets social security benefits from the sending country.

For more information, contact the Finnish Centre for Pensions.

According to the labour laws of the EU, a worker is a posted worker if

  • the worker is subject to other employment conditions than the other workers.

For more information, contact the labour protection authorities.

Obligation to report posted workers

A foreign employer must notify the labour protection authorities of posted workers (the obligation to report has been valid since 1 September 2017). The posting employer must report its foreign workers who are posted based on labour law before they start working in Finland.