Frequently asked questions
You can postpone the payment of your membership fee by a couple of weeks e.g. to your pay day. In case of a short postponement you need not contact YTK. If you need a longer payment period or wish to pay your membership fee in instalments due to your financial standing, you should contact us by e-mail as soon as you receive the invoice: email@example.com.
- I am starting maternity leave / starting my studies / starting my military service, do I have to pay the membership fee?
According to the Employment Security Act, you will not lose the accumulated condition regarding employment, if you are absent from the labour market for an acceptable reason. The situations mentioned in the question are such acceptable reasons. So if you have been working e.g. before your maternity leave, you will keep the accumulated employment weeks, as long as you also pay the membership fee for the maternity leave. These acceptable reasons can extend the review period of the condition regarding employment (28 months) by as much as seven years. You need to remain a member of the unemployment fund, however, and the only way to do that is by paying the membership fee. The rules of YTK do not allow for exemption from the membership fee.
If you retire in the middle of the year, you should pay the membership fee as per normal. When you receive the pension decision, please send us a notice of resignation. Enter the day preceding the starting date of your pension as the date of resignation. E.g. if the starting date of the pension is the first day of the month, enter the last day of the preceding month as your date of resignation. We will return the share of the membership fee for the rest of the year to an account designated by you, if the sum to be returned is 10 euros or more.
If you start full-time entrepreneurial activities, we recommend that you join an unemployment fund for entrepreneurs right away, because you can only accumulate the entrepreneur’s condition regarding employment as a member of an unemployment fund for entrepreneurs. If you do not join an unemployment fund for entrepreneurs, you can continue your membership in YTK for a maximum of 18 months from starting the full-time entrepreneurial activities. Further information.
If you are a combined member of YTK, you will receive separate invoices for the membership of General Unemployment Fund YTK and the YTK Association. The membership fee of the Unemployment Fund secures your earnings-related benefits and the membership fee of the Association includes many different benefits for combined members.
You can easily check the status of your membership fee in OmaYTK. If you have not yet paid your membership fee, you will also find there the information needed to make the payment.
You need to make an e-invoice authorisation for us in your own online bank. You will find the information needed for the authorisation in OmaYTK.
The membership fee of an unemployment fund is tax-deductible. We report the membership fee details directly to the Tax Administration annually. The membership fee is credited in the taxation for the year in which the payment was made. So if your membership for 2018 was paid already in 2017, the Tax Administration will take it into account in the taxation of 2017.
The membership fee of the YTK Association is not tax-deductible.
The membership invoice is always sent directly to the member. If you have agreed with your employer on the payment of the membership fee, you should forward the invoice you received to your employer.
The membership cannot start retroactively. The membership can start, at the earliest, on the day we receive the membership application.
If the revised tax card concerns salary, the withholding percentage shall be increased to at least 25 per cent as per the decision of the Tax Administration.
If you receive earnings-related daily allowance or alternation compensation, you should request a revised tax card for the benefit and send it to us. Then the withholding will be carried out using the percentage of the revised tax card and it will not be automatically increased to 25%.
We do not get the details of the revised tax card directly from the Tax Administration. You can get a revised tax card in the Tax Card Online service and send it to us electronically through OmaYTK.
All benefits paid by the unemployment fund are subject to withholding tax. We automatically get from the Tax Administration the tax percentage for salary of those members who have joined before the turn of the year. When we use the tax card for salary, the withholding is always at least 25%.
If you are applying for daily allowance or alternation compensation, you can request a revised tax card for the benefit and send it to us for example via OmaYTK. Then we can use exactly the withholding percentage stated in the tax card. We do not get the details of the revised tax card directly from the Tax Administration. If you ask the Tax Office to send the tax card directly to us, please note that it may take several days for the tax card to arrive. The fastest way to send the tax card is electronically through OmaYTK.
- Why is the fund asking for a notice of termination? I have already sent you an employment certificate, is that not enough?
As a general rule, we do not need the employment certificate at all. We need the notice of termination, because it includes information on the date of notice of termination of your employment. The employment certificate states the start and end date of the employment relationship, but not the date of notice of termination.
It is important to determine the date of notice of termination, because the period of notice is calculated from that date on. It is determined in accordance with the Employment Contracts Act, the collective agreement applied in your industry or the employment contract. You are not entitled to earnings-related daily allowance for the period of notice. During the period of notice you are entitled to salary for the period of notice. If other preconditions are met, the right to earnings-related daily allowance may begin after the expiration of the period of notice applied in the employment relationship at the earliest.
It is not necessary to fill in a daily allowance application for the suspension period for which no allowance will be paid. When you apply for daily allowance for the first time after the expiration of the suspension period, you need to inform whether you have been completely unemployed for the duration of the entire suspension period.
If it is your first application and you send it to us in the normal way also for the suspension period, the handling of the application after the suspension period will be faster if you are still unemployed. During the suspension period we may have handled your first application and determined the amount of your daily allowance already at that point.
If you do not wish to act until after the suspension period, remember to inform us of any earnings during the suspension period. Send the information on any employment to the unemployment fund right away together with the application after the suspension period.
You can apply for child support supplement by entering the child’s date of birth in the application form in the field where children under 18 are listed. We get the information on children from the Population Information System rather quickly, but sometimes we have to pay first the daily allowance without child support supplement and the supplement retroactively once the child is shown in the Population Information System. If you wish, you can send the child’s birth certificate to speed up the processing of your application. You can also apply for child support supplement on a separate request, e.g. by sending a message through OmaYTK.
Voit täyttää seuraavan ansiopäivärahahakemuksen vakiintuneen hakujakson mukaisesti osa-aikatyön alkamisesta huolimatta. Osa-aikatyön jatkuessa voit hakea soviteltua ansiopäivärahaa palkanmaksujaksosta riippuen joko neljän peräkkäisen kalenteriviikon, kuukauden tai kalenterikuukauden jaksoissa. Tästä syystä sinun kannattaakin ilmoittaa työnantajan noudattama palkanmaksujakso jo osa-aikatyön alkaessa. Tarvittaessa saatamme pyytää sinua täydentämään hakemustasi, jotta pääsisimme palkanmaksujaksoa vastaavaan sovittelujaksoon.
- Merkitse tehdyt työtunnit hakemukseesi, jotta voimme todeta viikoittain toteutuneiden työtuntien määrän ja seurata työssäoloehdon kertymistä osa-aikatyön aikana.
- Toimita hakemuksen liitteeksi palkkatodistus tai palkkalaskelma selvityksenä hakujakson aikana ansaitusta palkkatulosta.
- Toimita meille myös jäljennös osa-aikatyön työsopimuksesta. Jos kirjallista työsopimusta ei ole tehty, toimita meille työnantajan laatima kirjallinen selvitys työsuhteessa noudatettavista ehdoista.
Muista myös ilmoittaa osa-aikatyön aloittamisesta TE-toimistoon.
When you work part-time and receive adjusted daily allowance, the maximum payment period elapses slower compared to completely unemployed persons. At the same time, all weeks with at least 18 hours of work accumulate your right to a new maximum payment period of 400 days.
Alongside part-time work you can accumulate yourself the right to a new maximum payment period of 400 days. The amount of daily allowance will also be adjusted then, if more than a year has elapsed since the previous adjustment. If time still remains from the maximum payment period of 400 days, the daily allowance is at least 80 per cent of the previous amount. So working even with a lower salary will not considerably reduce the amount of your daily allowance.