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Health cover, sick pay and pension when you are your own employer
Health cover, sick pay and pension when you are your own employer: this guide has a section for each legal form per country — the Estonian sole trader, an…
This launch guide maps the topic, the source base and the practical questions. Check the linked official authority before acting on a rule, deadline, price or safety requirement.
What this guide covers
This guide has a section for each legal form per country — the Estonian sole trader, an OÜ board member, the business account, the Finnish toiminimi, the Latvian and Lithuanian equivalents — each stating exactly which contribution buys health insurance, which does not, and what your sick pay, parental benefit and pension would actually come to on the contribution you are paying now.
The Finnish self-employed pension income deserves its own page, because that one figure sets sick pay, parental benefit and pension simultaneously and most people set it too low without being told. One focus is "The Estonian business account and health insurance: what it does not buy you".
How to use it
Use Health cover, sick pay and pension when you are your own employer as a map of the process: identify the situation, check which country or authority owns the rule, and confirm the current version before a deadline or application.
The page keeps the main question, its evidence base and its limits together in one canonical place. That makes it useful as a quick orientation and avoids splitting a broad subject into shallow pages before each narrower answer has enough verified material of its own.
Search vocabulary in four languages
Terminology changes across borders. These are example phrases people use for the same subject in Estonian, Finnish, Russian and English; they are included as a practical vocabulary aid, not as hidden keywords.
| Language | Example phrase |
|---|---|
| Estonian | ettevõtluskonto ravikindlustus |
| Finnish | YEL-työtulo vaikutus sairauspäivärahaan |
| Russian | FIE социальный налог медстраховка |
| English | self-employed sick pay Estonia how much |
Evidence and provenance
The evidence map below records the primary, official or openly licensed material chosen for this guide. It is deliberately visible so a reader can tell the difference between a rule published by an authority, a measured dataset and an editorial explanation.
Source: MTA, Tervisekassa and Riigi Teataja; Verohallinto, ETK and Kela with Finlex (Yrittäjän eläkelaki); VID and VSAA (LV); VMI and Sodra (LT). · checked 2026-09-09
Source names are preserved even where an authority changes its web address. No figure is added to this launch page unless it is already present in the cited source description or can be computed from a named dataset.
Scope and boundaries
This guide owns the explanatory layer for the topic. Personal decisions, diagnoses, legal determinations and live availability remain with the relevant professional or official service.
Why it belongs on TempoLife
insurance (#47).
Frequently asked questions
What does this guide cover?
This guide has a section for each legal form per country — the Estonian sole trader, an OÜ board member, the business account, the Finnish toiminimi, the Latvian and Lithuanian equivalents — each stating exactly which contribution buys health insurance, which does not, and what your sick pay, parental benefit and pension would actually come to on the contribution you are paying now. The Finnish self-employed pension income deserves its own page, because that one figure sets sick pay, parental benefit and pension…
What evidence does it use?
MTA, Tervisekassa and Riigi Teataja; Verohallinto, ETK and Kela with Finlex (Yrittäjän eläkelaki); VID and VSAA (LV); VMI and Sodra (LT).
Where does this guide stop?
It explains the topic and points to primary or official sources. It does not replace a qualified professional, an official decision, or advice based on your own circumstances.
Turn the reference into a routine
TempoLife brings food, movement, sleep and everyday health habits into one private place when you want to track what happens next.