A person whose earnings from self-employment would otherwise be subject to compulsory
coverage in both the United States and Finland is subject only to the laws of the
country of which that person is a resident. If any question on residence arises, the
appropriate agency of the country in which the person claims residency will make residency
determinations.
Since this rule applies only to U.S. or Finnish residents, it would not affect a dually
covered worker who resides in a third country (e.g., a self-employed U.S. citizen
who works in Finland but resides in Sweden). For this reason, the special exception
provision of the agreement will eliminate dual coverage for such a worker (see RS
02001.735).