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How much do you know about your social security?

YEL income serves as the basis for an entrepreneur’s social security and future pension. Social security benefits provide self-employed persons with support during parenthood, illnesses, unemployment and accidents.

Read more about social and pension security for entrepreneurs >

Read more about Kela's benefits for entrepreneurs

Elo’s YEL calculator is an online service that enables you to estimate how the amount of your YEL income will affect your social security benefits and future earnings-related pension.

Questions about YEL income?

YEL income is the monetary value of your work input in your entrepreneurial activities. For entrepreneurs, the amount of YEL income determines the level of their social security and YEL insurance contributions.

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Do you need help in determining your YEL income? Our Customer Service will assist you on weekdays from 8 am to 5 pm. As our customer, you can easily check your YEL income through our Online Service.

Log in to the Online Service

Call us 020 694 730


Do you need to take YEL insurance?

You need to take YEL insurance if you meet the conditions for insuring. You can easily check whether you need to take YEL insurance.

You don’t need to figure it out alone – let us help you to find answers to any questions you may have concerning YEL insurance. It is also easy to transfer your existing YEL insurance policy from another insurance company to Elo. Simply complete the application and we will take care of the rest.

Our Sales Service assists you on weekdays from 8 am to 3 pm at +358 (0)20 703 5515.

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The best service

We know that time is money for you as an entrepreneur. This is why we answer your calls in less than 30 seconds on average. We are quick to respond but we also excel in customer service as shown by research. Over 94% of callers need just one phone call to have their matter handled. Moreover, our Online Service is available 24/7, so you can manage your earnings-related pension insurance matters at a time that suits you best. You choose.

Every third company in Finland and about 40 per cent of entrepreneurs have chosen Elo as their employment pension insurer. We are responsible for the future pensions of about 501,900 employees and self-employed persons, we provide current pensions for about 246,000 pension recipients, and we manage investment assets totalling about 28.7 billion euro. The objective of our investment operations is to ensure the profitable, secure and responsible investment of employment pension assets. We manage our customers’ pension matters in a responsible manner.

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