Hi all,

I just wanted to ask about the experiences dealing with Mela (https://www.mela.fi/en/). I am working full-time to a research organization and I reduce my working time (e.g, to 60%) to work on my personal grant. This means that I am still insured from my work, but at the same time I am obligated to pay mela as I would be doing the grant full-time for the specific time period the grant is taken.

In any case, my point here is how are the experiences from others? They sent me a message telling that I need to pay 5 months more and if I restarted my grant work. This seems weird to me, why they would care to send a message for that? We do not talk about huge amounts, the remaining grant is 6k.

Just FYI I am not working on the grant currently, I will restart it in 2025.

by Technical_Stock1337

1 comment

  1. There is a minimum amount you are legally obligated to save towards your pension if you are an entrepreneur. You can save more, if you want. I would suggest you call Mela and confirm you are saving the minimum amount towards your pension (if that’s what you want) and that they are correctly reducing it for the 40% time. They payment scheme can be done in 1 payment, 2 payments, monthly payments for 6 months, etc. The payment scheme can line up or not line up with your working time so you can’t judge if you are doing it correctly based on if you worked self employed that month and if you paid in the same month or not.

    This is mostly pension insurance so you will be paid it back after you retire (with interest).

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