How do I apply for a payment extension online?

If you are unable to pay your YEL or TyEL invoice by the due date, don't hesitate to contact us. If necessary, you can request more time to pay, with the first due date within 30 days.

So feel free to contact Varma's customer service or apply for a payment extension in Varma Online Service.

Log in to Varma Online Service

Applying for a payment extension well before the invoice is due helps you avoid a payment reminder, for which we charge a EUR 40 fee. When you request more time to pay, you will pay interest on the extended payment period at the rate applied to commercial contracts.

Check the current interest rate in our table

You can apply for a payment extension for your self-employed person's pension insurance contributions in Varma Online Service by following the instructions below:

1. Log in to Varma Online Service.
2. Go to YEL insurance > Invoices > Apply for an extended term of payment for your invoices.
3. Select the invoices for which you want to request a payment extension, the first payment date and the number of instalments. The first payment date must be within 30 days.
4. Check the information and send the request for a payment extension.

We will contact you if we cannot give you the payment extension you have requested.

We can send you email and text message notifications about YEL invoices that are due, and you can change the settings for these notifications on the Personal details tab in Varma Online Service. Read the instructions on how to change your notification settings. We never send links to the Varma Online Service login page in email or text message notifications. Read the instructions on how to log in securely.

The invoices for your company's earnings-related pension insurance contributions can be found in Varma Online Service. You can request a payment extension for them as follows:

1. Log in to Varma Online Service.
2. Go to Insurance > Invoices > Request payment plan.
3. Select the invoices for which you want to request a payment extension, the first due date and the number and frequency of instalments. The first due date must be within 30 days.
4. Check the summary and send the information.

We will contact you if we cannot give you the payment extension you have requested.

We can send you email and text message notifications about YEL invoices that are due, and you can change the settings for these notifications on the Personal profile information tab in Varma Online Service.