Finland has made a notable move to tackle the effects of gambling on financially struggling citizens by revising its economic assistance guidelines. Beginning in February 2026, KELA, the Social Insurance Institute of Finland, will take into account not only gambling winnings but also the money spent on gambling when assessing social benefits.
In the past, KELA only considered gambling winnings when evaluating financial support. However, the revised guidelines seek to present a broader perspective on people’s financial conditions by also taking into account gambling losses. This change aims to help mitigate financial difficulties resulting from problematic gambling and ensure that social benefits are allocated for vital needs such as housing and food.
KELA will now analyze the relationship between gambling stakes and winnings, with an emphasis on long-term gambling habits. The new policy is intended to alleviate financial insecurity among those receiving social assistance who may be adversely impacted by excessive gambling.
Only Veikkaus OY accounts—the state-run gambling monopoly in Finland—will be monitored, as these accounts necessitate user registration and impose gambling limits. This enables improved supervision and guarantees that at-risk individuals get the support they require without misappropriating their assistance.
KELA's revised guidelines represent the nation’s increasing apprehension regarding the influence of gambling on low-income families. As per KELA, roughly 5% of social assistance beneficiaries spend their aid on gambling. While KELA will not control how individuals utilize their support, the organization seeks to aid those in danger by offering financial advice and connecting them with social services when necessary.
This modification occurs as Finland gears up to liberalize its gambling market by 2027, shifting from Veikkaus’s monopoly to a more competitive online gambling landscape. KELA's updated strategy provides essential insights to facilitate this change.
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