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Supplementary contributions to the mandatory funded pension and health insurance

 

Supplementary contributions to the mandatory funded pension

Mandatory funded pension is the second pension pillar. If you live in Estonia, your family has a child younger than 3, and you have chosen the II pension pillar, we shall pay a supplementary 4% of the average monthly Estonian income taxed with the social tax into your mandatory funded pension account.

We shall make payments for each up to 3-year-old child in the family, into the pension fund that you have selected. In 2017, we shall pay 38.76 euros per month for each child under 3. If the medium salary changes, we shall calculate a new amount for each calendar year.

If you work, the employer withholds 2-3% from your salary for the mandatory funded pension contributions. We shall make the payments to your pension account additionally, for raising the child. We do not decrease your parental benefit or family allowance by the pension fund contributions.

Who is entitled to apply?

Both parents have equal rights and responsibilities over the little child. We shall make the mandatory funded pension contributions for raising the child only to one parent at a time.

If you file the application during six months after the child was born, we shall make the mandatory funded pension contributions into your account starting from the birth of your child until he or she turns 3. During the birth month and the month when the child turns 3, our contributions will be in proportion with the number of days that you were entitled for it.

Should you file the application later, we will make the contributions retrospectively, for six preceding calendar months.

You have the mandatory funded pension account if:

  • You were born in 1983 or later;
  • You were born before 1983 and have concluded the mandatory funded pension account contract before October 31st, 2010. If you have not concluded the pension account contract by that time, it is no longer possible to conclude it.

If you are uncertain whether you have a mandatory funded pension account, then it is possible to check here or at https://www.pensionikeskus.ee/ii-sammas/kogumispension-ehk-ii-sammas/

If you have the supplementary funded pension account or the III pension pillar, then we do not make any contributions into that. The general income tax concession applies to the third pillar payments. The concession is in the form of returned income tax, calculated yearly by the Tax and Customs Board based on your tax declaration.

Read more about the III pension pillar instalments at http://www.pensionikeskus.ee/iiisammas/taiendav-kogumispension/

If you do not have the II pension pillar account but the other parent does, then you must decide whether we should make the pension contributions for raising the child to the other parent’s account. You can also decide that the pension supplement for raising children will be paid to the parent without the II pension pillar account. In this case, you do not have to file the application now.

Additional info

 

Social tax payment by the state – health insurance

Who Can Get Health Insurance? 

The Health Insurance Fund shall cover medical treatment expenses of a person with health insurance. If social tax is paid for you then you are insured.

If you work, your employer pays social tax for you. If you are unemployed or if your employment contract has been suspended, the employer does not pay social tax and in this case, you do not have a valid health insurance. If you raise small children in Estonia, then we can provide you with health insurance.

You can get health insurance if:

  • You raise a child under 3 in Estonia, and you are their parent or guardian and you have concluded a written foster care contract, or you are on the child care leave instead of the parent;
  • You raise seven or more children under 19 in Estonia;
  • You do not work and raise three or more children under 19 in Estonia, at least one of them younger than 8;
  • You do not work, your spouse works and the employer pays their social tax, your family has at least one child under 8 or at least three children under 16. If the child turns 8, you are insured until the end of the 1st grade (August 31th).

Simultaneously, we provide health insurance only to one parent.

Who Must File an Application for Getting Health Insurance?

If your child is under 3, then you do not have to file an application. You are insured if parental benefit has been appointed and paid, followed by the child care allowance payments until the child turns 3. Thus, it is important that you apply for the child care allowance soon after your child is born.

You do not have to file an application if you are a parent or guardian raising seven or more children under 19, and you are paid the allowance for a parent raising 7 or more children.

You must file an application for getting health insurance if you:

  • Do not work and are raising three or more children under 19 in Estonia, and at least one child is younger than 8;
  • Do not work, your spouse works and the employer pays their social tax, your family has at least one child under 8 or at least three children under 16.
  • Raise a child under 3 in Estonia, but the other parent works in another European Economic Area country and the family allowances for the child are paid to them.

How to Apply?

The health insurance application form is available on our forms page (in estonian).

After filling the application in, you can email the digitally signed version to info@sotsiaalkindlustusamet.ee; or send the application by regular mail to Endla 8, 15092 Tallinn. You can also file the application at our customer service.

     

    Additional info

     

     

    Health insurance to the beneficiary of international protection

    If you have applied for international protection from Estonia and received international protection granting decision and Estonian residence permit from the Police and Border Guard Board, and you:

    • Live in Estonia,
    • Are of the pensionable age,
    • Do not work,
    • Do not receive pension appointed in Estonia,

    then we grant you health insurance starting from the first validity date of your residence permit.
    How to Apply for Health Insurance?

    You do not have to file an application to get health insurance. The Police and Border Guard Board forwards information about you to us automatically.

    If you do not have valid health insurance for some reason, then turn to one of our customer services and take along:

    • Identity document,
    • Supplementary legal protection and residence permit decision.

    You can check the validity of the health insurance by calling our infoline at 612 1360.

    Additional info

     

    Health Insurance to an Estonian Citizen or a Person of Estonian Nationality or Their Spouse, Child or Parent Who Have Moved to Estonia from Abroad

    We guarantee you health insurance, if you have moved to Estonia, and you are:

    • an Estonian citizen, or
    • a person of Estonian nationality, or
    • the spouse, child, or parent of an Estonian citizen,

    and

    • you are of the pensionable age, or
    • your monthly income is below the national pension rate, or
    • we pay you some social benefit.

    How to Apply for Health Insurance?

    You do not have to file a separate application for getting health insurance. If you have filed an application to receive some social benefit in connection with moving to Estonia and we have issued a decision to you regarding the provision of some social benefit, then you have also automatically received health insurance.

    Additional info

     

     

    Kati Kümnik

    head of the compensations department

    Kati Kümnik organizes and directs the work of the compensation department: sets goals, gives instructions to officials, and performs and mediates tasks related to the organization of pensions and family allowances. She also advises the Social Insurance Board on issues related to family allowances and organizes the development of the allowances system.

     
    info@sotsiaalkindlustusamet.ee