In the early 2010s, slow economic growth and increased unemployment were again reflected in the number of accidents at work. In 2012, statutory accident insurance covered a total of 128,264 occupational accidents suffered by employees. Of these, 105,919 took place at the workplace and 22,345 during commutes. The numbers were down from previous years as in 2008, for example, the number of covered accidents was 141,427.

For the insurance sector, the most significant change was the new Workers’ Compensation Act (TyTAL), which entered into force from the start of 2016. After a decade of preparation, the new law merged three previous laws: the Employment Accidents Insurance Act from 1948, the Occupational Diseases Act from 1988, and the Act on Rehabilitation Compensation Paid under the Employment Accidents Insurance Act, from 1991.

The aim of the reform was to not only update the law in terms of existing legal and compensation practices, but also to clarify the legislation on accident insurance that had become quite the patchwork of policies over the years. Increased clarity and transparency reduced ambiguity as well. At the same time, the compensation process became more efficient and quicker.

For the first time, the law explicitly defined what was meant by an accident. It also outlined the circumstances of occurrence of occupational accidents, what is covered and how and under what grounds.

Even so, the insurance was still not fully inclusive as it was tied specifically to gainful employment. This way, groups such as informal carers and professional athletes were excluded from cover. The accident insurance of these groups of people is governed by other legislation.

In connection with the legislative reform, the name of the Federation of Accident Insurance Institutions (FAII) was changed in 2015 to the Workers’ Compensation Center (TVK).

Publication of the printed Tapaturmavakuutus Magazine ended in 2017 when TVK introduced digital communication channels and products. That same year, the Center received a new Managing Director as Janne Reini took on the position in June.

The introduction of the real-time national Incomes Register in 2019 simplified the processing of insurance premiums based on wages and salaries and the settlement of insurance claims in earnings-related accident insurance.