eläkesäädösten

Eläkesäädökset, often translated as pension regulations, refer to the set of laws, decrees, and other legal provisions that govern the Finnish pension system. These regulations determine who is entitled to a pension, how it is calculated, when it can be claimed, and how it is funded. The Finnish pension system is a complex statutory earnings-related system, meaning that pension benefits are linked to an individual's earnings during their working life.

Key eläkesäädökset include the TyEL (Työeläkelaki) for private sector employees, the MEL (Maa- ja metsätalousyrittäjäin eläkelaki) for agricultural and forestry entrepreneurs, and the YEL (Yrittäjän eläkelaki) for other entrepreneurs. These laws outline contribution rates, pension accrual, and different types of pensions such as old-age pensions, disability pensions, and survivor's pensions. The regulations also specify retirement ages, which have been subject to reforms aiming to align with increasing life expectancy.

The Finnish Centre for Pensions (Eläketurvakeskus) is the central body responsible for developing legislation and providing information on the pension system. Amendments to eläkesäädökset are frequent, reflecting societal changes, economic conditions, and policy goals related to the sustainability and adequacy of the pension system. Understanding these regulations is crucial for individuals and employers to ensure correct pension contributions and to plan for retirement.