Knowing how to use KELA services is essential for anyone living in Finland. KELA (The Social Insurance Institution of Finland) provides social benefits, including healthcare reimbursements, unemployment support, child allowances, student aid, and housing benefits. For newcomers or first-time applicants, navigating KELA’s services can feel overwhelming. This guide provides a beginner-friendly overview to help you access KELA benefits efficiently.
Why You Should Use KELA Services
KELA services cover a broad range of essential benefits:
- Healthcare reimbursements ([sairausvakuutuskorvaukset])
- Child allowances ([lapsilisä])
- Housing benefits ([asumistuki])
- Unemployment allowances ([työttömyyspäiväraha])
- Student financial aid ([opintotuki])
Using KELA services ensures you receive all the social support you are entitled to. Failing to apply on time or missing required documents may delay benefits.
Step 1: Register with KELA
Before accessing services, you must be registered in Finland’s Population Information System (väestötietojärjestelmä). Most residents automatically appear in KELA’s system if you have a Finnish personal identity number ([henkilötunnus]).
Tip: Check your registration status at the official KELA website.
Step 2: Access Your KELA Account (OmaKELA)
The easiest way to manage KELA benefits is through OmaKELA, KELA’s secure online portal.
How to access:
- Log in using online banking credentials, mobile ID, or electronic ID card
- Review your current benefits and applications
- Submit new applications or update information
OmaKELA simplifies the process of applying for reimbursements, checking payment dates, and uploading documents.
Step 3: Choose the Benefits You Need
Determine which KELA services are relevant to you. Some key services include:
- Healthcare reimbursements – submit receipts for medicine or doctor visits
- Child allowance – monthly support for parents
- Housing benefit – reduces rent based on income
- Student aid – financial assistance for studying in Finland
- Unemployment allowance – for job seekers actively registered with TE Services ([Työ- ja elinkeinotoimisto])
Internal link: For detailed guidance on living in Finland, see our Ohjekeskus Living Guides.
Step 4: Prepare Necessary Documents
Before applying, gather essential documents:
- Identification (passport or Finnish ID)
- Bank account details
- Proof of income (salary slips or tax statements)
- Rental agreements (for housing benefits)
- Receipts for medical expenses
Having documents ready ensures faster processing and reduces mistakes.
Step 5: Submit Applications
Applications can be submitted online through OmaKELA or in person at local KELA offices.
Tips for online applications:
- Fill in all mandatory fields carefully
- Upload scanned copies of supporting documents
- Keep confirmation emails as proof of submission
Official guidance on submitting applications can be found at KELA’s official site.
Step 6: Track Your Applications
After submission, you can track the status of your application via OmaKELA. KELA will notify you of decisions and payment dates.
- Tip: Notifications may be sent via email or post depending on your preference
- Update promptly: Inform KELA of changes in income, address, or household composition to avoid overpayments
Step 7: Seek Help When Needed
If you encounter difficulties:
- Visit your local KELA service point
- Call KELA customer service
- Use KELA’s online FAQ section
- Consider local community centers or Ohjekeskus guides for language support
Conclusion
Learning how to use KELA services ensures you can access essential social benefits in Finland. By registering, using OmaKELA, gathering documents, and tracking your applications, you can navigate the system efficiently. Whether you are a student, parent, or newcomer, understanding KELA services is key to managing life in Finland smoothly.
FAQs About KELA Services
1. Can foreigners use KELA services in Finland?
Yes, foreigners with a valid residence permit and a Finnish personal identity number are eligible for many KELA benefits.
2. How long does it take to receive benefits?
Processing times vary depending on the service; online applications are usually faster. Housing benefits may take several weeks.
3. Can I apply for multiple benefits at once?
Yes, you can apply for multiple KELA services through OmaKELA. Ensure you submit all required documents for each benefit.