{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Tarvitseeko kevytyrittäjä YEL-vakuutuksen?","acceptedAnswer":{"@type":"Answer","text":"<strong>Kevytyrittäjän täytyy vakuuttaa itsensä YEL:n mukaan, jos toiminta kestää vähintään neljä kuukautta ja YEL-työtulo eli työpanoksen arvo on vähintään 8 261,71 euroa vuodessa.</strong>"}},{"@type":"Question","name":"Tarvitsenko kevytyrittäjän YEL-vakuutuksen vaikka teen töitä epäsäännöllisesti?","acceptedAnswer":{"@type":"Answer","text":"Epäsäännöllinen, mutta toistuva kevytyrittäjyys <strong>edellyttää YEL-vakuutuksen ottamista</strong>, mikäli palkka on 12 kuukauden ajan jaksolla vähintään 8 261,71 euroa. Aikaa ei lasketa kalenterivuoden, vaan 12 kuukauden jaksossa, jonka aikana YEL-vakuuttamisen ehdot täyttyvät."}},{"@type":"Question","name":"Miten voin ottaa YEL-vakuutuksen?","acceptedAnswer":{"@type":"Answer","text":"<strong>le yhteydessä asiakaspalveluumme YEL-vakuutuksen ottamiseksi</strong>. Aloittava yrittäjä saa 22% alennuksen maksuista ensimmäiset 48-kuukautta."}},{"@type":"Question","name":"Voiko kevytyrittäjä liittyä työttymyyskassaan?","acceptedAnswer":{"@type":"Answer","text":"Kevytyrittäjä voi liittyä yrittäjien työttömyyskassan jäseneksi, jos YEL-työtulo on vähintään 13 247 euroa vuodessa. Katso tästä lisää yrittäjäkassan sivuilta."}},{"@type":"Question","name":"Milloin aloittavan kevytyrittäjän tulee ottaa YEL-vakuutus?","acceptedAnswer":{"@type":"Answer","text":"YEL-vakuutus tulee ottaa kuuden kuukauden kuluessa, kun kevytyrittäjä työtulosi on vähintään 8 261,71 euroa yli neljän kuukauden aikana ja 12 kuuden sisällä. Eli jos teet töitä alle neljä kuukautta ei tarvitse yrittäjän YEL-vakuutusta ottaa. Muista myös mikäli epäsäännöllisten töistä yhteen laskettuna työtuloa tulee 8 261,71 euroa vähintään 12 kuukauden seurantajakson aikana ota YEL-vakuutus. Lisäksi olet 18–68-vuotias ja asut Suomessa."}},{"@type":"Question","name":"Miten määrittelen YEL työtuloni?","acceptedAnswer":{"@type":"Answer","text":"Määrittelyn perustana on hyvä käyttää saamaasi bruttopalkkaa. Kevytyrittäjän vähentämät kulut ja verottomia korvauksia ei lasketa työtuloon mukaan."}},{"@type":"Question","name":"Voinko ottaa YEL-vakuutuksen Trusterin laskutuspalvelussa?","acceptedAnswer":{"@type":"Answer","text":"Vuoden 2022 alussa tuomme laskutuspalveluumme YEL-vakuutukset. Tämän jälkeen voit hallinoida ja ottaa YEL-vakuutusta suoraan laskutuspalvelussa."}}]}
Cookie notice
By accepting all cookies you ensure the best possible user experience. Learn more about cookies and how to use them or change your cookie settings.

Does a light entrepreneur need YEL insurance?

Share this post
Listen on Spotify image used for listening article as podcast

YEL income is the value of a light entrepreneur's contribution in euros.

Light entrepreneurs must insure themselves according to the YEL if the activity lasts at least four months and the YEL income, i.e. the value of the work input, is at least EUR 8,261.71 per year. YEL insurance accrues an earnings-related pension for you in old age and also takes care of you during illness, parental leave or unemployment.

YEL insurance is statutory and you cannot replace it with voluntary pension insurance. As a light entrepreneur, you take care of your own earnings-related pension insurance.

Do I need a light entrepreneur's YEL insurance even though I work irregularly?

Irregular but recurrent light entrepreneurship requires you to take out YEL insurance if you invoice at least EUR 8,261.71, excluding VAT and compensation, for a period of 12 months. The time is calculated not in the calendar year, but in the 12-month period during which the conditions for YEL insurance are met.

How can I take out YEL insurance?

You can take out insurance directly from our website take out YEL insurance. The start-up entrepreneur receives a 22% discount on fees for the first four years.

Can a light entrepreneur join in an unemployment fund?

A light entrepreneur can become a member of the self-employed persons' unemployment fund if the YEL income is at least EUR 13,247 per year.

When should a starting light entrepreneur take out YEL insurance?

YEL insurance must be taken out within six months, when your light entrepreneur's income is at least EUR 8,261.71 over four months and 12 within six. In other than four months, you do not need to take out an entrepreneur's YEL insurance. Remember also if, when added together for irregular work, you receive EUR 8,261.71 in income from work during a follow-up period of at least 12 months to take out a YEL insurance policy. In addition, you are 18–68 years old and live in Finland.

If your entrepreneurial activity is so small that your YEL income is below the minimum threshold, you can take out voluntary YEL insurance. The YEL insurance of self-employed persons on an old-age pension under the earnings-related pension acts is also voluntary. Voluntary insurance can be terminated at any time, but not retroactively. Moreover, voluntary insurance cannot start retroactively.

What do you get with YEL insurance?

In addition to your earnings-related pension, the YEL earnings-related income is also determined by sickness and parental allowance and unemployment benefits. This is important to take into account when determining the YEL income from work. YEL insurance is the basis of social security.

How do I define my YEL income?

It is a good idea to base the definition on the gross salary you receive. Expenses deducted by a light entrepreneur and tax-exempt allowances are not included in the income from work. If the gross wage exceeds EUR 8,261.71 over a 12-month period, take out the YEL insurance.

Can I take out YEL insurance at Truster's invoicing service?

Yes, you can take out YEL insurance through us. We also bring the feature to our father-in-law.

Why would I take out YEL insurance through Truster?

By taking out truster's YEL insurance , you will be able to pay the YEL conveniently in connection with the payment of wages. Truster's YEL insurance is provided by Elo Mutual Pension Insurance Company.

Relevant articles

Faster pay

→ our pricing
A real speech bubble
0% service charge
Left speech bubble
Best mobile app
Left speech bubble
Customer service
Truster user: Hospitality workerTruster user: Office WorkerTruster user: EmployeeTruster user: Consultant

Compare billing services

Truster includes all the services you need to use the invoicing service and comprehensive liability and accident insurances.

Truster is always an affordable invoicing service suitable for both starting light entrepreneurs and full-time light entrepreneurs. Always choose the service package that suits you best. For those who charge a lot Truster 49 €/month is the best billing service option. You can even set up your own online store through us without starting a business. In addition, you can accept card payments through our service. Compare our price list with other billing services. We're the cheapest!