{"id":15352,"date":"2026-06-26T16:45:54","date_gmt":"2026-06-26T13:45:54","guid":{"rendered":"https:\/\/grow.ee\/?p=15352"},"modified":"2026-06-29T09:53:00","modified_gmt":"2026-06-29T06:53:00","slug":"mita-merkitysta-silla-on-mihin-maahan-maksan-sosiaaliturvamaksuni","status":"publish","type":"post","link":"https:\/\/grow.ee\/fi\/mis-vahe-on-sellel-kuhu-riiki-ma-oma-sotsiaalmaksu-tasun\/","title":{"rendered":"Onko sill\u00e4 v\u00e4li\u00e4, mihin maahan maksan sosiaaliturvamaksuni?"},"content":{"rendered":"\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1265405774\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1376\" height=\"768\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun.png\" class=\"attachment-original size-original\" alt=\"\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun.png 1376w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun-300x167.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun-720x402.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun-768x429.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/06\/Kuhu-riiki-ma-sotsiaalmaksu-tasun-18x10.png 18w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1265405774 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\n\t<div id=\"gap-1492823766\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1492823766 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\n<p><strong>Kui t\u00f6\u00f6tad piiri\u00fcleselt, teed kaugt\u00f6\u00f6d v\u00e4lismaa t\u00f6\u00f6andjale, oled ettev\u00f5tja v\u00f5i saad tasu mitmest riigist, tekib varem v\u00f5i hiljem k\u00fcsimus: kas on \u00fcldse oluline, kuhu riiki\u00a0sinu\u00a0sotsiaalkindlustusmaksed\u00a0tasutakse?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Jah, see on oluline, sest see m\u00e4\u00e4rab, millise riigi s\u00fcsteemist saad ravikindlustuse, kuhu koguneb pensionistaa\u017e ja millise riigi reegleid sinu suhtes kohaldatakse. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Mis\u00a0on\u00a0sotsiaalmaks\u00a0ja\u00a0kuidas\u00a0see\u00a0toimib?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:320,&quot;335559740&quot;:400}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Eestis on sotsiaalmaks seaduse j\u00e4rgi rahaline kohustus, mille eesm\u00e4rk on koguda tulu pensionikindlustuseks ja riiklikuks ravikindlustuseks. Ehk see ei ole \u201clihtsalt maks\u201d \u2013 selle taga on konkreetsed \u00f5igused (ravikindlustus, pensioni arvestus).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sama loogika kehtib ka piiri\u00fcleselt: kui maksad sotsiaalkindlustusmakseid teise riiki, siis \u00fcldjuhul \u201costad\u201d sa \u00f5igused selle riigi s\u00fcsteemis (v\u00f5i v\u00e4hemalt allud selle riigi reeglitele). <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Piiri\u00fcleselt t\u00f6\u00f6tades ei vali sa kindlustajariiki oma soovi j\u00e4rgi &#8211; sageli m\u00e4\u00e4ravad selle Euroopa Liidu reeglid ja m\u00f5nede kolmandate riikide puhul ka sotsiaalkindlustuslepingud. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">EL-p\u00f5hireegel:\u00a0korraga\u00a0kehtib\u00a0\u00fche\u00a0riigi\u00a0sotsiaalkindlustus<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:320,&quot;335559740&quot;:400}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Kui oled seotud mitme EL\/EMP riigiga (v\u00f5i \u0160veitsiga), siis \u00fcldp\u00f5him\u00f5te on:<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\udc49<\/span><span data-contrast=\"auto\">\u00a0sotsiaalkindlustus\u00a0kehtib\u00a0ja\u00a0seega ka sotsiaalmakseid tuleb maksta vaid \u00fches riigis korraga.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><strong>Mida\u00a0see\u00a0sinu\u00a0jaoks\u00a0t\u00e4hendab?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Sa ei pea maksma sama t\u00f6\u00f6perioodi eest sotsiaalkindlustust kahte riiki korraga, aga pead teadma, milline see \u201c\u00fcks riik\u201d on, sest see m\u00f5jutab ravikindlustust ja pensioni. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><strong>Ravikindlustus\u00a0&#8211;\u00a0kes\u00a0maksab\u00a0sinu\u00a0ravi\u00a0eest?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Eestis \u00fctleb Tervisekassa selgelt: ravikindlustus tekib peamiselt siis, kui inimene t\u00f6\u00f6tab ja tema eest makstakse (v\u00f5i ta ise maksab) sotsiaalmaksu, v\u00f5i kui ta on kindlustatuga v\u00f5rdsustatud\u00a0v\u00f5i\u00a0vabatahtliku lepingu alusel kindlustatud.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Kui inimene on t\u00f6\u00f6tamise v\u00f5i FIEna tegutsemise t\u00f5ttu seotud rohkem kui \u00fche EL riigiga, saab ta ravikindlustuse selles riigis, kus tema eest makstakse sotsiaalmaksu.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Kui sotsiaalmaks l\u00e4heb teise riiki, siis oled ravikindlustatud suure t\u00f5en\u00e4osusega seal ja Eestis v\u00f5ib kindlustus l\u00f5ppeda, kui sa ei kuulu m\u00f5ne erandi alla.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><strong>Kuidas\u00a0ma\u00a0saan\u00a0arstiabi,\u00a0kui\u00a0elan\u00a0\u00fches\u00a0riigis\u00a0ja\u00a0t\u00f6\u00f6tan\u00a0teises?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Selleks\u00a0on\u00a0kaks\u00a0v\u00e4ga\u00a0praktilist\u00a0t\u00f6\u00f6riista:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\">S1\u00a0vorm<\/span><\/b><span data-contrast=\"auto\"> \u2013 kui elad \u00fches riigis, aga oled kindlustatud teises, v\u00f5ib S1 anda \u00f5iguse saada arstiabi elukohariigis, samal ajal kui \u201ckindlustajariik\u201d on teine<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Euroopa\u00a0ravikindlustuskaart\u00a0(EHIC)<\/span><\/b><span data-contrast=\"auto\"> \u2013 kui viibid ajutiselt teises EL riigis (reis, l\u00fchike l\u00e4hetus), saad EHICuga vajaminevat arstiabi kohalike kindlustatutega samadel tingimustel (aga omavastutused v\u00f5ivad j\u00e4\u00e4da sinu kanda).<\/span><\/li>\n<\/ol>\n<p aria-level=\"2\"><strong>Pension &#8211;\u00a0kuhu\u00a0koguneb\u00a0staa\u017e\u00a0ja\u00a0kes\u00a0maksab\u00a0pensioni?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Kui oled t\u00f6\u00f6tanud mitmes EL riigis, siis reeglina tekivad pensioni\u00f5igused igas riigis, kus sa oled sissemakseid teinud. <\/span><\/p>\n<p><span data-contrast=\"auto\">Pensioni taotlemine toimub \u00fcldiselt selle riigi kaudu, kus elad v\u00f5i kus viimati t\u00f6\u00f6tsid, ning see riik koondab info sinu panustest teistest riikidest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Olulised\u00a0kaks\u00a0p\u00f5him\u00f5tet:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ol>\n<li aria-level=\"3\"><span data-contrast=\"none\">Perioodideliitmine<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">Kui m\u00f5nes riigis on pensioni\u00f5iguse tekkimiseks vaja miinimumstaa\u017ei (nt 5 aastat, peab riik pensioni\u00f5iguse hindamisel arvestama ka teiste EL riikide perioode.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ol start=\"2\">\n<li aria-level=\"3\"><span data-contrast=\"none\">Proportsionaalnearvestus<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">Iga riik arvutab, kui palju pensioni ta maksaks \u201cnagu oleksid kogu aja seal t\u00f6\u00f6tanud\u201d (teoreetiline summa) ja siis maksab sellest proportsionaalse osa vastavalt sellele, kui kaua sa tegelikult selles riigis kindlustatud olid. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pensioni suurus s\u00f5ltub selle riigi reeglitest, kuhu maksad &#8211; selle s\u00fcsteemi j\u00e4rgi arvestatakse. Pensioni arvutamisel v\u00f5ib rakendada ka nn rahvuslikku m\u00e4\u00e4ra &#8211; kui tingimused on t\u00e4idetud ka ilma teiste riikideta ning inimene saab sellest riigist k\u00f5rgema tulemuse.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Olulised\u00a0dokumendid\u00a0(A1, S1, EHIC)<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Piiri\u00fclestes olukordades ei ole \u201cpaberimajandus\u201d lihtsalt vormit\u00e4ide &#8211; see on t\u00f5end, mis v\u00e4ldib topeltkohustusi ja kindlustusauke.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><span data-contrast=\"none\"><strong>A1\u00a0t\u00f5end\u00a0<\/strong>\u2013\u00a0millise\u00a0riigi\u00a0sotsiaalkindlustus\u00a0kehtib<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Kui t\u00f6\u00f6tad mitmes EL riigis v\u00f5i sind l\u00e4hetatakse ajutiselt teise riiki, on A1 t\u00f5end see dokument, mis kinnitab, millise riigi sotsiaalkindlustus kehtib ja kuhu makseid teha.\u00a0<\/span><span data-contrast=\"auto\">A1 t\u00f5endiga saab teisele riigile t\u00f5endada, et seal sotsiaalkindlustusmaksete kohustust ei ole.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Kui t\u00f6\u00f6tamise periood on l\u00fchem kui 2 aastat, tasutakse \u00fcldjuhul koduriigi sotsiaalkindlustusmakseid ja t\u00f6\u00f6tajale j\u00e4\u00e4vad kehtima koduriigi kindlustused \u2013 A1 on see, mis seda kinnitab.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><span data-contrast=\"none\"><strong>EHIC<\/strong> \u2013\u00a0ajutine\u00a0viibimine\u00a0ja\u00a0vajaminev\u00a0arstiabi<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Euroopa ravikindlustuskaart ehk EHIC toimib ainult siis, kui sul on kehtiv ravikindlustus, ja annab ajutisel viibimisel \u00f5iguse vajaminevale arstiabile teises riigis. Vajaminevaks arstiabiks\u00a0\u00a0loetakse teises EL riigis viibimise ajal ootamatult tekkinud terviserikke ravimist. Samas ei kata see dokument k\u00f5iki kulutusi, mis vajamineva arstiabiga v\u00f5ivad kaasneda. Patsiendil tuleb maksta omavastutustasud (visiiditasu, voodip\u00e4evatasu jne).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">3\u00a0n\u00e4idisjuhtumit\u00a0p\u00e4riselust:<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:360}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Juhtum 1: Elan Eestis, k\u00e4in Soomes t\u00f6\u00f6l (v\u00f5i t\u00f6\u00f6tan v\u00e4lismaa t\u00f6\u00f6andjale teises riigis).\u00a0<\/span><span data-contrast=\"auto\">Sinu elukoht on Eestis, aga t\u00f6\u00f6 toimub teises EL riigis ja sotsiaalkindlustsmaksed l\u00e4hevad sinna riiki, kus t\u00f6\u00f6 tegelikult tehakse (see on ka \u00fcldreegel).<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Olukord:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00d5igus\u00a0ravikindlustusele\u00a0tekib\u00a0suure\u00a0t\u00f5en\u00e4osusega\u00a0t\u00f6\u00f6kohariigis,\u00a0sest\u00a0seal\u00a0makstakse\u00a0sotsiaalkindlustusmakseid<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Kui\u00a0soovid\u00a0arstiabi\u00a0ka\u00a0Eestis\u00a0kasutada\u00a0\u201cnagu\u00a0kindlustatu\u201d,\u00a0v\u00f5ib\u00a0vaja\u00a0minna\u00a0<\/span><b><span data-contrast=\"auto\">S1\u00a0vormi<\/span><\/b><span data-contrast=\"auto\">\u00a0(et\u00a0oleks\u00a0katvus\u00a0elukohariigis)<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Reisimisel\/ajutisel\u00a0viibimisel\u00a0aitab\u00a0<\/span><b><span data-contrast=\"auto\">EHIC<\/span><\/b><span data-contrast=\"auto\">\u00a0\u2013\u00a0aga\u00a0see\u00a0ei\u00a0asenda\u00a0S1\u00a0olukorras,\u00a0kus\u00a0elad\u00a0p\u00fcsivalt\u00a0\u00fches\u00a0riigis\u00a0ja\u00a0oled\u00a0kindlustatud\u00a0teises.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Mida\u00a0teha?\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Juhtum\u00a02: Eesti\u00a0t\u00f6\u00f6andja\u00a0l\u00e4hetab\u00a0t\u00f6\u00f6taja\u00a018\u00a0kuuks\u00a0Saksamaale<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">T\u00f6\u00f6taja saadetakse ajutiselt teise riiki projekti raames. Kui tingimused on t\u00e4idetud, v\u00f5ib t\u00f6\u00f6taja j\u00e4\u00e4da Eesti sotsiaalkindlustuse alla ja maksud makstakse edasi Eestisse. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Olukord:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Kui\u00a0k\u00f5ik\u00a0on\u00a0korrektselt\u00a0vormistatud,\u00a0s\u00e4ilib\u00a0t\u00f6\u00f6tajal\u00a0<\/span><b><span data-contrast=\"auto\">Eesti ravi-,\u00a0pensioni- ja\u00a0t\u00f6\u00f6tuskindlustus<\/span><\/b><span data-contrast=\"auto\">\u00a0l\u00e4hetuse\u00a0ajal<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">L\u00e4hetuse \u201cv\u00f5tmedokument\u201d on <\/span><b><span data-contrast=\"auto\">A1\u00a0t\u00f5end<\/span><\/b><span data-contrast=\"auto\">,\u00a0millega\u00a0n\u00e4itad\u00a0vastuv\u00f5tvale\u00a0riigile, et\u00a0sotsiaalkindlustus\u00a0on\u00a0Eestis\u00a0ja\u00a0l\u00e4hetuse\u00a0riigis\u00a0ei\u00a0pea\u00a0topelt\u00a0maksma.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Mida\u00a0teha?\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">T\u00f6\u00f6andja\/raamatupidaja:<\/span><\/b><span data-contrast=\"auto\">\u00a0taotle\u00a0t\u00f6\u00f6tajale\u00a0<\/span><b><span data-contrast=\"auto\">A1\u00a0t\u00f5end\u00a0enne\u00a0l\u00e4hetust<\/span><\/b><span data-contrast=\"auto\">\u00a0ja\u00a0hoia\u00a0see\u00a0vajadusel\u00a0kontrollimiseks\u00a0k\u00e4ttesaadavana.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">T\u00f6\u00f6taja:<\/span><\/b><span data-contrast=\"auto\">\u00a0hoia\u00a0A1\u00a0t\u00f5end\u00a0alles\u00a0ja arvesta, et ravi\u00a0vajadusel\u00a0on\u00a0sul\u00a0kindlustus\u00a0Eestis,\u00a0kuid\u00a0ajutisel\u00a0viibimisel\u00a0mujal\u00a0aitab\u00a0ka EHIC (vajamineva\u00a0arstiabi\u00a0korral).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Juhtum\u00a03:\u00a0Ettev\u00f5tja\/FIE\u00a0teeb\u00a0t\u00f6\u00f6d\u00a0kahes\u00a0riigis\u00a0(v\u00f5i\u00a0kaugt\u00f6\u00f6\u00a0+\u00a0projektid\u00a0teises\u00a0riigis)<\/span><\/p>\n<p><span data-contrast=\"auto\">Sa elad Eestis, aga teed osa t\u00f6\u00f6st\/teenusest teises EL riigis (v\u00f5i vastupidi). Sellisel juhul ei ole \u201ckuhu maksan\u201d vaba valik &#8211; m\u00e4\u00e4ratakse, millise riigi sotsiaalkindlustuse reeglid kohaldub, ja \u00fcldp\u00f5him\u00f5te on endiselt \u201cainult \u00fcks riik korraga\u201d. <\/span><span data-contrast=\"auto\">(Allikad: Your Europe \u201conly one country\u2019s laws apply\u201d;\u00a0Eesti.ee A1 \u2013\u00a0sotsiaalkindlustus\u00a0vaid\u00a0\u00fches\u00a0riigis.)<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Olukord:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Kui kohaldatavaks riigiks m\u00e4\u00e4ratakse n\u00e4iteks Eesti, siis maksad siia ja ravikindlustuse\/pensioni loogika l\u00e4htub siit (vastavalt Eesti reeglitele). Kui m\u00e4\u00e4ratakse teine riik, liigub \u201cankur\u201d sinna. Kui sa \u201ceksid riigiga\u201d, v\u00f5ib tekkida risk, et pead hiljem olukorda tagantj\u00e4rele parandama (ja see on tavaliselt kallis ja ajakulukas). <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Mida\u00a0teha?\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Ettev\u00f5tja\/FIE: <\/span><\/b><span data-contrast=\"auto\">kaardista reaalselt, kus t\u00f6\u00f6 tehakse ja kas see on regulaarne\/oluline osa tegevusest \u2013 see info on vajalik kohaldatava riigi m\u00e4\u00e4ramiseks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559685&quot;:720,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Raamatupidaja: <\/span><\/b><span data-contrast=\"auto\">k\u00fcsi varakult, kas on vaja A1 t\u00f5endit (v\u00f5i muud p\u00e4deva riigi kinnitust), et makseid \u00f5igesti suunata.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559685&quot;:720,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p aria-level=\"2\"><span data-contrast=\"none\">Kokkuv\u00f5te<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:2,&quot;335559738&quot;:320,&quot;335559740&quot;:400}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">\u00dcldreegel:<\/span><\/b><span data-contrast=\"auto\">\u00a0maksad\u00a0sotsiaalkindlustust\u00a0\u00fchte\u00a0riiki\u00a0korraga\u00a0\u2013\u00a0tavaliselt\u00a0sinna,\u00a0kus\u00a0t\u00f6\u00f6\u00a0tehakse<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">L\u00e4hetus:<\/span><\/b><span data-contrast=\"auto\">\u00a0ajutisel\u00a0l\u00e4hetusel\u00a0(kuni\u00a02\u00a0aastat)\u00a0v\u00f5ib\u00a0j\u00e4\u00e4da\u00a0koduriigi\u00a0s\u00fcsteemi\u00a0\u2013 A1\u00a0t\u00f5end\u00a0on\u00a0v\u00f5tmedokument<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Ravikindlustus:<\/span><\/b><span data-contrast=\"auto\"> mitme riigi puhul saad ravikindlustuse reeglina seal, kuhu sotsiaalmaks\/sotsiaalkindlustusmaksed tasutakse.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Arstiabi\u00a0teises\u00a0riigis:<\/span><\/b><span data-contrast=\"auto\">\u00a0ajutisel\u00a0viibimisel\u00a0aitab\u00a0<\/span><b><span data-contrast=\"auto\">EHIC<\/span><\/b><span data-contrast=\"auto\">,\u00a0kuid\u00a0see\u00a0eeldab\u00a0kehtivat\u00a0kindlustust\u00a0ja ei kata alati\u00a0k\u00f5ike<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pension:<\/span><\/b><span data-contrast=\"auto\"> t\u00f6\u00f6aastad mitmes riigis arvestatakse kokku \u00f5iguse tekkimiseks, aga iga riik maksab oma osa ja arvutab selle oma reeglite j\u00e4rgi.\u00a0<\/span><\/li>\n<\/ul>\n<p><em>\u00a0Postituse autor <strong>Malle Liivat<\/strong>, <\/em><a href=\"mailto:malle.liivat@grow.ee\"><em>malle.liivat@grow.ee<\/em><\/a><\/p>\n<div class=\"row\"  id=\"row-656642908\">\n\n\n\t<div id=\"col-439045584\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<div class=\"message-box relative dark\" style=\"padding-top:15px;padding-bottom:15px;\"><div class=\"message-box-bg-image bg-fill fill\" ><\/div><div class=\"message-box-bg-overlay bg-fill fill\" style=\"background-color:rgb(27, 26, 70);\"><\/div><div class=\"container relative\"><div class=\"inner last-reset\">\n\n<div class=\"row\"  id=\"row-1449242062\">\n\n\n\t<div id=\"col-381666485\" class=\"col medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<h2>R\u00e4\u00e4gi meie finantseksperdiga<\/h2>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1563752049\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\n<a href=\"https:\/\/grow.ee\/vota-meiega-uhendust\/\" class=\"button alert\" style=\"border-radius:8px;\">\n\t\t<span>V\u00d5TA \u00dcHENDUST<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<\/div>\n\n<\/div><\/div><\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<\/div>\n\n\n  \n    <div class=\"row large-columns-3 medium-columns-1 small-columns-1 slider row-slider slider-nav-reveal slider-nav-push\"  data-flickity-options='{&quot;imagesLoaded&quot;: true, &quot;groupCells&quot;: &quot;100%&quot;, &quot;dragThreshold&quot; : 5, &quot;cellAlign&quot;: &quot;left&quot;,&quot;wrapAround&quot;: true,&quot;prevNextButtons&quot;: true,&quot;percentPosition&quot;: true,&quot;pageDots&quot;: false, &quot;rightToLeft&quot;: false, &quot;autoPlay&quot; : false}' >\n\n  <div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/millega-peab-tooandja-arvestama-kui-tootaja-tahab-teise-riiki-kaugtood-tegema\/\" class=\"plain\" aria-label=\"T\u00f6\u00f6tamine v\u00e4lisriigist: mida peab t\u00f6\u00f6andja teadma?\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"163\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal-300x163.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"T\u00f6\u00f6tamine v\u00e4lismaal\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal-300x163.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal-720x392.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal-768x419.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal-18x10.png 18w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/05\/Tootamine-valismaal.png 1380w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/millega-peab-tooandja-arvestama-kui-tootaja-tahab-teise-riiki-kaugtood-tegema\/\" class=\"plain\">T\u00f6\u00f6tamine v\u00e4lisriigist: mida peab t\u00f6\u00f6andja teadma?<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">21\/05\/2026<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt \">\n\t\t\t\t\t\tV\u00e4lisriigist t\u00f6\u00f6tamine toob kaasa maksu- ja \u00f5igusk\u00fcsimusi, mida t\u00f6\u00f6andja peab teadma.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/millal-ettevote-vajab-enamat-kui-raamatupidamist\/\" class=\"plain\" aria-label=\"Millal ettev\u00f5te vajab enamat kui raamatupidamist?\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"167\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-300x167.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-300x167.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-720x402.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-768x429.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-18x10.png 18w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus.png 1376w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/millal-ettevote-vajab-enamat-kui-raamatupidamist\/\" class=\"plain\">Millal ettev\u00f5te vajab enamat kui raamatupidamist?<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">20\/04\/2026<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt \">\n\t\t\t\t\t\t4 m\u00e4rki, et ettev\u00f5te vajab finantsjuhtimises suuremat kaasam\u00f5tlemist ja lisaj\u00f5udu.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/juhi-kaugtood-valismaalt\/\" class=\"plain\" aria-label=\"Juhi kaugt\u00f6\u00f6d v\u00e4lismaalt \u2013 enneta p\u00fcsiva tegevuskoha tekkimist just nende nippidega!\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"164\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-300x164.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-300x164.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-720x393.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-768x419.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-18x10.png 18w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine.png 1408w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" >\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/fi\/juhi-kaugtood-valismaalt\/\" class=\"plain\">Juhi kaugt\u00f6\u00f6d v\u00e4lismaalt \u2013 enneta p\u00fcsiva tegevuskoha tekkimist just nende nippidega!<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">27\/03\/2026<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt \">\n\t\t\t\t\t\tJuhi kaugt\u00f6\u00f6 v\u00e4lismaalt pole vaid mugavus \u2013 loe, kuidas juhtida targalt ja v\u00e4ltida maksuriske.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Sosiaaliturvaverosi m\u00e4\u00e4r\u00e4\u00e4 sairausvakuutuksesi ja el\u00e4kkeesi \u2013 meneek\u00f6 se oikeaan maahan?<\/p>","protected":false},"author":24,"featured_media":15353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-15352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raamatupidamine"],"_links":{"self":[{"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/posts\/15352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/comments?post=15352"}],"version-history":[{"count":9,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/posts\/15352\/revisions"}],"predecessor-version":[{"id":15363,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/posts\/15352\/revisions\/15363"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/media\/15353"}],"wp:attachment":[{"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/media?parent=15352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/categories?post=15352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grow.ee\/fi\/wp-json\/wp\/v2\/tags?post=15352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}