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Learn about KELA benefits for newcomers in Finland. Understand health, social security, and financial support available for new residents.
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KELA benefits for newcomers, KELA-etuutet, Finland social benefits, New residents in Finland, Health insurance Finland, Finland welfare system, Moving to Finland
KELA Benefits for Newcomers (KELA-etuutet)
When moving to Finland, understanding your rights to social security and health benefits is essential. KELA (The Social Insurance Institution of Finland) provides support to residents, including newcomers, to help with healthcare, housing, unemployment, parental leave, and other welfare services.
This guide explains KELA benefits in simple terms and shows what newcomers can access and how to apply.
1. Health Benefits
KELA covers healthcare for permanent residents and long-term newcomers:
1.1 Public Healthcare
- Low-cost visits to doctors, nurses, and hospitals
- Subsidized medicines
- Dental care subsidies for children and young adults
1.2 KELA Health Insurance Card
- Issued after DVV registration
- Needed for public healthcare and pharmacies
- Reimburses part of medical costs
Tip: Always carry your KELA card when visiting clinics.
2. Financial and Social Benefits
KELA provides financial support depending on your situation:
2.1 Unemployment Benefits
- Job seekers registered at TE Services may qualify
- Support depends on previous employment and income
2.2 Housing Allowance (Asumistuki)
- Helps cover rent for low-income residents
- Can be applied for temporary or long-term rentals
2.3 Child Allowance (Lapsilisä)
- Monthly allowance for families with children
- Paid automatically if eligible
2.4 Parental Allowance
- Paid to parents during maternity, paternity, or parental leave
- Based on income and duration of leave
2.5 Sickness and Disability Benefits
- Short-term sickness allowance for employees
- Long-term disability support if unable to work
3. How to Apply for KELA Benefits
- Complete DVV Registration
- Must be officially registered in Finland with a local address
- Apply Online via KELA.fi
- Most benefits can be applied online
- Forms available in English and Finnish
- Provide Required Documents
- Passport / ID
- Residence permit or EU registration certificate
- Employment or study documentation
- Bank account for payments
- Wait for Approval
- Approval times vary depending on benefit type
4. Tips for Newcomers
- Apply for benefits as soon as DVV registration is complete
- Keep copies of all documents
- Check eligibility for multiple benefits at once
- Use KELA online services for faster processing
- Contact KELA customer service if unsure
FAQs About KELA Benefits for Newcomers
1. Who qualifies for KELA benefits?
Permanent residents, long-term EU residents, and newcomers with valid residence permits are generally eligible.
2. Do I need to speak Finnish to apply?
No. KELA provides English forms and online services.
3. Can I get housing allowance as a student?
Yes, if you meet the income and rental requirements.
4. Are KELA benefits taxable?
Some benefits, like child allowance, are tax-free. Others may affect your taxable income.
5. How long does it take to get benefits after applying?
Processing usually takes 2–6 weeks, depending on the benefit type and documentation.