There are six pension laws that apply under the Employment Pension Scheme (EPS). They are:

1. 1. 

   The Employees' Pensions Act (TEL), which began in 1962, covers about 90 percent of all private sector employees.

2. 2. 

   The Temporary Employees' Pensions Act (LEL), which began in 1962, covers persons in forestry, agriculture, construction, and dock work, in which short-term contracts are common.

3. 3. 

   The Farmer's Pensions Act (MYEL), which began in 1970, covers self-employed farmers, professional fishermen, and reindeer owners.

4. 4. 

   The Seamen's Pensions Act (MEL), which began in 1956, covers seamen.

5. 5. 

   The Self-Employed Persons' Pensions Act (YEL), which began in 1970, covers self-employed persons not covered by the MYEL.

6. 6. 

   The Freelance Employees' Pensions Act (TaEL), which began in 1986, covers freelance employees such as musicians, artists, and actors.

Effective March 2012, the Finnish coverage record is an electronic form, P5000. The Central Pension Security Institute (CPSI) obtains the periods of coverage in the public sector (VEL and KVTEL).

Only codes in column 20 are relevant to calculating the insured periods and codes 11, 12, 21, 22, 44, 45 and 46 are codes giving credit (See Exhibit 2 for an explanation of Form P5000 and the codes.)

Exhibit 1 - The Finnish Coverage Record, P5000:

Exhibit 2 - Explanation of the Finnish Coverage Record: