Insurance relationship

• All new employees working full-time at L&T are insured by the sickness fund if the conditions mentioned in the fund's regulations are met, meaning they fall within the scope of the fund's operations.
• If the terms of employment change during employment and it affects insurance coverage, the individual can contact the fund directly.
• Membership will not begin until 6 months after the start of the employment relationship.

A person who earns his/her main income from one of the following undertakings is insured under the scheme:

• Lassila & Tikanoja Oyj
• L&T Ympäristöpalvelut Oy
• L&T Teollisuuspalvelut Oy
• L&T Sairauskassa

Employees who join the Lassila & Tikanoja Group as a result of acquisitions are not automatically covered by the fund if the employer is someone other than those listed above. Such a situation always requires a change in the rules.

A person who is a member of another health insurance fund cannot be a member of the L&THealth Insurance Fund.

To be insured, you must work at least 20 hours per week.

A person whose employment is temporary or of short duration cannot join the fund. The limit for a short term is approximately six months.

In particular, it should be noted that temporary and short-term do not mean the same as fixed-term. Long-term fixed-term employment requires a person to join the sickness insurance scheme if the condition of main activity is met.

If there are several short periods of consecutive employment, the person can contact the sickness fund himself to find out when he will be covered by the fund.

For those who are accepted as insured, a membership information pack is sent by e-mail to the e-mail address provided by the employer.

If you are in doubt about whether you meet the conditions, you can obtain further information from the cashier.

The member of the fund verifies their insurance relationship with L&T Sairauskassa by presenting their Kela card, which has the inscription "työpaikkakassa arbetsplatskassa 48017" (workplace fund) on the back. 

The fund's Kela card is sent by mail to the member's home during the beginning of the month when the insurance responsibility is transferred from Kela to Luotea Sairauskassa. 

The fund's insurance responsibility always begins at the start of the month. After this, the sickness fund processes and determines the benefits according to the Sickness Insurance Act (SVL), essentially acting as a local Kela office for its insured members. 

A Kela card cannot be ordered if an individual insured by the fund is not covered by the Finnish social security system. 

The fund does not issue a separate membership card. 

The insurance relationship ends when the employment contract ends. The insurance relationship is also considered terminated if the requirement of main livelihood is not fulfilled. 

After the termination of the insurance relationship, the individual no longer has the right to the additional benefits provided by the fund. 

However, the transfer of insurance responsibility from L&T Sairauskassa to Kela occurs at the end of the month.