Go to content
  • Suomeksi
  • På svenska
  • Publications and press releases
  • Forms
  • Statistics
  • Regulation
  • Reporting
  • Registers
  • TO MEDIA
 
Return to frontpage
  • Suomeksi
  • På svenska
  • TO MEDIA
  • Suomeksi
  • På svenska
  • TO MEDIA
  • Return to frontpage
  • Consumer protection
    • Before you invest or deposit money
    • Before you buy insurance
    • Financial Supervisory Authority’s role in customer protection
    • Questions and answers
      • Security of services
      • Fraud
      • Matters concerning the estate of a deceased person
      • Customer due diligence and customer identification
      • Problems with a service provider
      • Savings and investments
      • Payment services
        • PSD2 changes payments
        • Payment cards
      • Payment account comparison website
      • Banking services
        • Housing loans and loan cap
        • Interest rates, margins, repayment methods
        • Consumer credits and quick loans
        • Borrowing
        • Basic banking services
          • Availability of basic banking services
        • Guarantees and pledges
        • Risks associated with housing company loans
      • Insurances
        • Insurance claims
        • Types of insurance
        • Terminating of an insurance contract
        • Insurance intermediaries
      • Virtual currencies
  • Banks
    • Credit institutions
      • Regulation
        • FIN-FSA regulations and guidelines for credit institutions
        • Legislation for credit institutions
        • Regulatory Framework
      • Reporting
      • Supervisory Disclosure
    • Payment service providers
      • Regulation
        • FIN-FSA regulations and guidelines for payment service providers
        • Legislation for payment service providers
        • Regulatory framework
    • Mortgage credit intermediaries
      • Regulation
        • FIN FSA regulations and guidelines for mortgage credit intermediaries
        • Legislation for mortgage credit intermediaries
    • Authorisations, registrations and notifications
      • Credit institutions
      • Payment service providers
      • Mortgage credit intermediaries
    • Supervision and processing fees
    • Prevention of money laundering and terrorist financing
      • Customer due diligence
      • Obligation to obtain information and to report
      • Risk assessment
      • Internal instructions and training of personnel
      • International cooperation
      • International economic sanctions and domestic freezing decisions
      • Current provisions, regulations and guidelines
    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
      • Virtual currency providers
        • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
          • Questions about tokens and ICOs
    • Sustainable finance
  • Insurance
    • Employee pension insurance
      • Regulation
        • FIN-FSA regulations and guidelines for employee pension insurance
        • Legislation for employee pension insurance
      • Reporting
    • Life and non-life insurance
      • Regulation
        • FIN-FSA regulations and guidelines for life and non-life insurance
        • Legislation for life and non-life insurance
        • Regulatory framework
      • Reporting
    • Conduct of insurance business
    • Unemployment funds
      • Regulation
        • FIN-FSA regulations and guidelines for unemployment insurance
        • Legislation for unemployment insurance
      • Reporting
    • Sickness and benefit funds
      • Regulation
        • FIN-FSA regulations and guidelines for sickness and benefit funds
        • Legislation for sickness and benefit funds
      • Reporting
    • Insurance intermediaries
      • Regulation
        • FIN-FSA regulations and guidelines for insurance intermediaries
        • Legislation for insurance intermediaries
      • Reporting
      • Register
    • Supervision and processing fees
    • Authorisations, registrations and notifications
      • Life and non-life insurance
    • Prevention of money laundering and terrorist financing
      • Customer due diligence
      • Obligation to obtain information and to report
      • Risk assessment
      • Internal instructions and training of personnel
      • International cooperation
      • International economic sanctions and domestic freezing decisions
      • Current provisions, regulations and guidelines
    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
      • Virtual currency providers
        • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
          • Questions about tokens and ICOs
    • Sustainable finance
  • Capital markets
    • Investment service providers
      • Regulation
        • Regulatory framework
        • FIN-FSA regulations and guidelines for investment service providers
        • Legislation for investment service providers
      • Reporting
    • Fund management companies
      • Regulation
        • FIN-FSA regulations and guidelines for fund management companies
        • Legislation for fund management companies
        • Regulatory framework
      • Reporting
    • Alternative investment fund managers (AIFMs)
      • Regulation
        • FIN-FSA regulations and guidelines for alternative investment fund managers
        • Legislation for alternative investment fund managers
        • Regulatory framework
      • Reporting
    • Crowdfunding intermediaries
      • Regulation
        • FIN-FSA regulations and guidelines for crowdfunding intermediaries
        • Legislation for crowdfunding intermediaries
        • Regulatory framework
      • Reporting
    • Stock exchange and other trading venues
      • Regulation
        • FIN-FSA regulations and guidelines for stock exchange and other trading venues
        • Legislation for stock exchange and other trading venues
        • Regulatory framework
    • Central securities depositories
      • Regulation
        • FIN-FSA regulations and guidelines for central securities depositories
        • Legislation for central securities depositories
    • Supervision and processing fees
    • Authorisations, registrations and notifications
      • Stock exchange and other trading venues
      • Fund management companies
      • Alternative investment fund managers
      • Brexit and UK funds' and fund managers' cross-border notifications
      • Investment service providers
        • Brexit and third country firm cross-border authorization regarding investment services
      • Crowdfunding intermediaries
    • Prevention of money laundering and terrorist financing
      • Customer due diligence
      • Obligation to obtain information and to report
      • Risk assessment
      • Internal instructions and training of personnel
      • International cooperation
      • International economic sanctions and domestic freezing decisions
      • Current provisions, regulations and guidelines
    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
      • Virtual currency providers
        • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
          • Questions about tokens and ICOs
    • Sustainable finance
    • Issuers and investors
      • Regulation of listed companies
      • Notification of major holdings
      • Inside information
        • Insiders and trading
        • Public disclosure and the delay of disclosure of inside information
      • Listing
      • Disclosure obligation
      • Market Abuse Regulation
      • Offering of securities and prospectuses
      • IFRS
        • Press releases and publications
        • IFRS regulatory framework
        • Auditing
      • Market soundings
      • Register of prospectuses
      • ESEF – XBRL reporting for listed companies starting with financial statements for 2020
      • Reporting obligation concerning the prevention and detection of market abuse
      • Public bid
      • Short positions
      • Managers transactions
  • Financial market stability
    • Macroprudential
      • Macroprudential politics
      • Macroprudential instruments
      • Description of macroprudential instruments
      • Macroprudential decisions and appendices
        • Macroprudential decisions 2020
        • Macroprudential decisions 2019
      • Summary table of macroprudential decisions
  • FIN-FSA
    • Values and strategy
    • Powers and funding
      • Funding and operating expences
        • Supervision and processing fees
      • Powers and authority
        • Administrative sanctions
        • Supervisory measures
    • Organisation and tasks
    • Contact information
    • To Media
      • Subscription to press releases
    • Working at the FIN-FSA
    • Events
    • Policies
      • Data Protection
      • Accessibility statement
      • Cookies policy
      • Consultation of market participants supports development of operations
    • Report suspected infringement
  • Publications and press releases
    • News releases related to the coronavirus (COVID-19)
    • Supervision releases
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
    • Press releases
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
    • News releases
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
    • Reporting releases
      • 2020
      • 2019
      • 2018
      • 2017
    • Market newsletter
    • Blogs
      • 2020
    • Annual reports
      • Annual Report 2019
        • DG’s review
        • State of financial markets
        • Supervision
        • Themes
          • Report on means to prevent excessive household indebtedness
          • Management of disability risk by pension insurance companies
          • Green Deal and the supervisory perspective
          • EU banking legislation to complete the Basel III recommendations in preparation
          • Fund liquidity issues
          • Audit committees' activities were assessed
          • Responsible utilisation of data in the financial sector
        • Management and personnel
          • Board
          • Management Group
        • FIN-FSA
          • Financial Supervisory Authority in brief
          • Strategy
          • Appendices
    • Public notices
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
    • Subscription to electronic publications
    • Subscription to press releases
  • Forms
    • Subscription to press releases
    • Subscription to electronic publications
    • Feedback form
  • Statistics
    • Banks
      • Lending and bank guarantees, past due and nonperforming assets
      • Key financial figures
      • Supervisory Disclosure
    • Insurance
      • Investments
      • Pension insurance
      • Life insurance
      • Non-life insurance
      • Unemployment funds
      • Insurance brokers
      • Sickness funds
      • Solvency II
    • Capital markets
      • Statistics on capital market actors
      • Key financial figures
    • Sanctions, requests for investigation and cases of securities market inspections
  • Regulation
    • FIN-FSA regulations and guidelines
      • Commencement of activities
        • Toimiluvat, rekisteröinnit ja ilmoitukset
        • Luottolaitostoimiluvat sekä ilmoitukset suomalaisten luottolaitosten toiminnasta ulkomailla ja ulkomaisten luottolaitosten toiminnasta Suomessa
        • Maksulaitokset ja maksupalvelua ilman toimilupaa tarjoavat henkilöt
      • Organisation of supervised entities’ operations
        • Sijoitusrahastotoiminnan järjestäminen ja menettelytavat
        • Outsourcing in supervised entities belonging to the financial sector
        • Mortgage bank authorisation procedure and risk management
        • Reporting of mortgage bank operations
        • Vaihtoehtorahastojen hoitajat
        • Ohjeet moitteettomista palkitsemisjärjestelmistä sekä palkitsemiseen liittyvistä tiedonantovelvollisuuksista
        • Tuotteiden ja palvelujen myyntiin ja tarjontaan liittyvät palkitsemisperiaatteet ja -käytännöt
        • Määräykset ja ohjeet kauppojen hintavaihtelurajojen kalibroinnista ja kaupankäynnin pysäyttävien seikkojen julkistamisesta rahoitusmarkkinadirektiivin II mukaisesti
        • Markkinoiden ylläpitäjien ja raportointipalvelujen tarjoajien hallintoelimet
        • Information on the payer and the payee that has to accompany a transfer of funds
        • Sijoituspalvelujen toiminnan järjestäminen ja menettelytavat
        • Virtual currency providers
        • Assesment of fitness and propriety
        • Reporting of fitness and propriety to the Financial Supervision Authority
        • Customer due diligence; Prevention of money laundering and terrorist financing
      • Risk management
        • Risk reporting by credit institutions
        • Asset encumbrance reporting
        • Reporting of funding plans
        • Management of operational risk in supervised entities of the financial sector
        • Management of interest rate risk arising from non-trading activities
        • Arvopaperikeskuksen osallistujien maksulaiminlyöntejä koskevat säännöt ja menettelyt
        • Keskusvastapuolten ja kauppapaikkojen tapahtumasyötteiden antamisesta arvopaperikeskusten saataville
        • Management of credit risk by supervised entities in the financial sector
        • Tärkeimpien valuuttojen määrittämistä ja arvopaperikeskusten merkittävyyttä koskevien indikaattorien laskentaprosessit
        • Guidelines on institutions' stress testing
        • Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis
        • Ohjeet vastuiden, joihin sovelletaan covid-19-kriisin vastatoimia, raportoinnista ja julkistamisesta
        • Management of market risk
        • Management of liquidity risk
      • Accounting, financial statements and management report
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset ja ohjeet: Vakuutusyhtiöt, työeläkevakuutusyhtiöt, vakuutusyhdistykset, vakuutusomistusyhteisöt, kolmannen maan vakuutusyhtiöiden sivuliikkeet ja lailla perustetut eläkelaitokset
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset ja ohjeet: Eläkekassat ja eläkesäätiöt
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset: Sairauskassat ja hautaus- ja eroavustuskassat
        • Financial sector regulations and guidelines on reporting of financial information (FINREP)
        • Rahoitussektorin kirjanpito, tilinpäätös ja toimintakertomus
      • Capital adequacy
        • Yhteiseurooppalainen raportointi (COREP)
        • Paikallispankkien vakavaraisuuden hallinnan raportointi
        • Valvojan arviointimenettelyä varten kerättävät ICAAP- ja ILAAP-tiedot
        • Regulations and Guidelines related to the Capital Requirements Regulation
        • Internal Capital Adequacy Assessment Process ICAAP
      • Code of conduct
        • Asuntoluoton ennenaikaisesta takaisinmaksusta perittävän enimmäiskorvauksen laskentaan käytettävät menetelmät
        • Disclosure of expenses and returns of long-term savings agreements and insurance policies
        • Asiakasvalitusten käsittely
        • Finanssipalvelujen ja -tuotteiden markkinointi
        • Finanssipalvelujen tarjoamisessa noudatettavat menettelytavat
        • Calculation of maximum loan-to-value ratio
        • Tuotehallintamenettely
        • Luottokelpoisuuden arviointi
        • Maksamattomat lainat ja ulosmittaus
      • Operations of securities markets
        • Ohje markkinatakaustoimintaa ja ensimarkkinoilla suoritettavia operaatioita koskevasta poikkeuksesta
        • Securities offerings and listings
        • Takeover bid and the obligation to launch a bid
        • Markkinaosapuolten, työeläkevakuutusyhtiöiden ja rahastoyhtiöiden julkinen sisäpiirirekisteri
        • Kolmansien maiden kaupankäyntiosapuolet
        • Regulations and guidelines on disclosure obligation
        • Markkinoiden tunnustelua vastaanottavat henkilöt
        • Ohjeet hyödykejohdannaisia koskevan sisäpiiritiedon määrittelemiseksi
        • Kaupparaportointi, tarjouskirjanpito ja kellotahdistus MiFID II:n mukaisesti
        • Arvopaperikeskusasetuksen 9 artiklan mukaista sisäistä toimitusta koskevaa raportointia varten
        • Presentation of information in prospectuses coming under the Prospectus Regulation
      • Insurance operations
        • Vakuutusmarkkinoilla toimivan yhteisön konekielisten valvontatietojen toimittaminen Finanssivalvonnalle
        • Eläkekassan vastuuvelan laskuperusteet
        • Eläkesäätiön eläkevastuun laskuperusteet
        • Työeläkelaitosten vakavaraisuus
        • Työttömyyskassoja koskevat määräykset ja ohjeet
        • Vastuuvelan ja eläkevastuun kate: Muuta kuin lakisääteistä toimintaa harjoittavat eläkesäätiöt ja eläkekassat sekä hautaus- ja eroavustuskassat
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II -ohjeet I osa
        • Vakuutusmarkkinoilla toimivan yhteisön valvonta-asiakirjojen toimittaminen Finanssivalvonnalle
        • Henki- ja vahinkovakuutusyhtiön toiminnan aloittaminen ja hallintojärjestelmä
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II- ohjeet II osa, raportointia koskevat ohjeet
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II- ohjeet II osa, muut kuin raportointia koskeva ohjeet
        • Työkyvyttömyysriskin hallinta: Työeläkevakuutusyhtiö
        • Lakisääteistä eläkevakuutusta harjoittavien eläkelaitosten vakavaraisuusrajan laskeminen ja sijoitusten hajauttaminen
        • Työeläkevakuutusyhtiöiden hallinto
        • Merimieseläkekassan hallinto
        • Maatalousyrittäjien eläkelaitoksen hallinto julkaiseminen
        • Lisäeläkelaitosten hallinto
        • Eläkekassat
        • Eläkesäätiöt
        • Hautaus- ja eroavustuskassat
        • EEA insurance companies
        • EEA insurance intermediaries
        • Occupational retirement provision activities
      • Miscellaneous regulations and guidelines
        • LEI-tunnuksen käyttöönotto
        • Development of recovery plans and early intervention
        • Rahoitus- ja vakuutusryhmittymien vakavaraisuuden laskenta ja raportointi
        • EBA:n GSII-ohjeen noudattaminen
        • Määräosuuksien hankinnan ja lisäämisen arviointia koskevat ohjeet
        • Criteria on simplified, transparent and standardised securitisation
        • Määräykset ja ohjeet MiFID II-direktiivin liitteen I kohtien C6 ja C7 soveltamisesta
        • Määräykset ja ohjeet vertailuarvoasetuksen mukaisista muista kuin merkittävistä vertailuarvoista
        • Reporting of intra-group transactions
        • Acquisition of controlling interest in undertakings authorised in non-EEA-states
        • Supervision of financial and insurance conglomerates
        • Lähipiiriluottojen ja -sijoitusten ilmoittaminen Rahoitustarkastukselle
        • Regulation on the reporting of shares and real estate held by credit institutions and their consolidation groups
        • Ohje osuuspankkien yhteenliittymään kuuluvien luottolaitosten omistamien luotto- ja rahoituslaitosten osakkeiden ja osuuksien ilmoittamisesta
    • Legal framework of FIN-FSA regulations and guidelines
    • Interpretations
    • Regulations by sectors
    • Regulatory framework
      • Securitisation
      • EMIR
      • IDD
      • Sustainable finance
      • LEI code
      • Market Abuse Regulation
        • Inside information
          • Insiders and trading
          • Public disclosure and the delay of disclosure of inside information
        • Managers’ transactions
        • Market soundings
        • Reporting obligation concerning the prevention and detection of market abuse
      • MiFID II and MiFIR
        • Notifications to the FIN-FSA
      • PRIIPS
      • PSD2
      • Solvency II
      • Capital adequacy and liquidity regulation (CRR/CRD)
      • Benchmarks Regulation
    • Financial market legislation, international recommendations and self regulation
      • International recommendations
      • Self regulation
    • Preparedness
  • Reporting
    • Reporting releases
    • Regulatory reporting
      • Reporting of financial standing and risks
        • Reform of the Reporting System
        • EBA ITS reporting
        • EIOPA reporting
        • AIFMD reporting
          • More detailed instructions on AIFMD reporting
        • National reporting (Virati)
        • Reporting instructions
          • Reporting test environment for use by reporters
          • Secure email
          • Jakelu Distribution Service and reporting application
          • Validation feedback messages
          • The acceptable time frame for supervisory reporting
          • Reporting institutions
          • XBRL
      • Notifications
      • STT reporting
      • Transaction reporting
      • Reporting for capital market participants
    • Contact information
  • Registers
  1. Return to frontpage
  2. Insurance
  3. Sickness and benefit funds
  4. Regulation
  5. Legislation for sickness and benefit funds
Insurance
  • Employee pension insurance
    • Regulation
      • FIN-FSA regulations and guidelines for employee pension insurance
      • Legislation for employee pension insurance
    • Reporting
  • Life and non-life insurance
    • Regulation
      • FIN-FSA regulations and guidelines for life and non-life insurance
      • Legislation for life and non-life insurance
      • Regulatory framework
    • Reporting
  • Conduct of insurance business
  • Unemployment funds
    • Regulation
      • FIN-FSA regulations and guidelines for unemployment insurance
      • Legislation for unemployment insurance
    • Reporting
  • Sickness and benefit funds
    • Regulation
      • FIN-FSA regulations and guidelines for sickness and benefit funds
      • Legislation for sickness and benefit funds
    • Reporting
  • Insurance intermediaries
    • Regulation
      • FIN-FSA regulations and guidelines for insurance intermediaries
      • Legislation for insurance intermediaries
    • Reporting
    • Register
  • Supervision and processing fees
  • Authorisations, registrations and notifications
    • Life and non-life insurance
  • Prevention of money laundering and terrorist financing
    • Customer due diligence
    • Obligation to obtain information and to report
    • Risk assessment
    • Internal instructions and training of personnel
    • International cooperation
    • International economic sanctions and domestic freezing decisions
    • Current provisions, regulations and guidelines
  • FinTech – Financial sector innovations
    • Innovation Help Desk advises on licence issues
    • Virtual currency providers
      • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
        • Questions about tokens and ICOs
  • Sustainable finance
Insurance
  • Employee pension insurance
    • Regulation
      • FIN-FSA regulations and guidelines for employee pension insurance
      • Legislation for employee pension insurance
    • Reporting
  • Life and non-life insurance
    • Regulation
      • FIN-FSA regulations and guidelines for life and non-life insurance
      • Legislation for life and non-life insurance
      • Regulatory framework
    • Reporting
  • Conduct of insurance business
  • Unemployment funds
    • Regulation
      • FIN-FSA regulations and guidelines for unemployment insurance
      • Legislation for unemployment insurance
    • Reporting
  • Sickness and benefit funds
    • Regulation
      • FIN-FSA regulations and guidelines for sickness and benefit funds
      • Legislation for sickness and benefit funds
    • Reporting
  • Insurance intermediaries
    • Regulation
      • FIN-FSA regulations and guidelines for insurance intermediaries
      • Legislation for insurance intermediaries
    • Reporting
    • Register
  • Supervision and processing fees
  • Authorisations, registrations and notifications
    • Life and non-life insurance
  • Prevention of money laundering and terrorist financing
    • Customer due diligence
    • Obligation to obtain information and to report
    • Risk assessment
    • Internal instructions and training of personnel
    • International cooperation
    • International economic sanctions and domestic freezing decisions
    • Current provisions, regulations and guidelines
  • FinTech – Financial sector innovations
    • Innovation Help Desk advises on licence issues
    • Virtual currency providers
      • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
        • Questions about tokens and ICOs
  • Sustainable finance

Legislation for sickness and benefit funds

Regulations and instructions are available in Finnish and in Swedish.

Updated

5 December 2018

Keywords

Insurance Sickness fund Benefit fund Regulation Legislation

Share this content

Twitter Linkedin

We use cookies on our website for a better user experience. By using this
website you agree to the use of cookies. See Cookies policy

Frontpage

We foster financial stability and confidence in the financial markets and enhance protection for customers, investors and the insured.

See more

P.O. Box 103, 00101 Helsinki
Telephone + 358 9 183 51
kirjaamo@fiva.fi

All contact details

Show on the map

Report suspected infringement 
Feedback form
Glossary
Sitemap
Cookies policy

  • Follow us
  • Twitter
  • SlideShare
  • LinkedIn
  • Youtube