Booklets on social security and related contributions in Finland

The booklets below contain instructions on how to take out social insurance in Finland. The booklets are available in several languages and include relevant contact information.

Booklets on Finnish statutory social insurance contributions:

Social security for self-employed workers

If you are self-employed, you must take out the statutory insurance yourself and pay your own social security contributions. For more information on when you have to insure yourself in Finland, go to section Working abroad and Pension Coverage and Insurance/Self-employed.

The self-employed must contact one of the pension providers and the tax administration to find out their obligations relating to social security contributions.

Social security for employees

In Finland, your employer must take out social security insurance for you and its other employees. This applies to both Finnish and foreign employees.  You and your employer both contribute to the financing of your social security.

For more information on when the social security of employees is to be arranged in Finland, see sections Working abroad and Foreign employer in Finland.

Authorising workers to take out insurance

In Finland, private sector earnings-related pension insurance companies offer statutory earnings-related pension insurance. Private sector insurance companies offer statutory workers’ compensation insurance, unemployment insurance and employees’ group life insurance.

As a foreign employer, you can authorise your posted worker to take out statutory social insurance from a Finnish insurance company.

Your worker hands a proxy that you have signed to an earnings-related pension insurance company that your worker has selected, as well as to an insurance company that offers workers’ compensation insurance.  The companies will then send you the invoices for the pension contributions (including your and your worker’s share of the contribution).

You will deduct your worker’s share of the social insurance contributions directly from their wage.

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