Dare to choose

YTK allows you to choose the services that are right for you for your working life. As a fund member, you receive earnings protection for unemployment, layoff, part-time employment, part-time entrepreneurship, or job alternation leave.

As a member i the YTK Unemployment fund, in addition to earnings security, you can join the YTK Worklife. As a member of YTK Worklife you'll receive the best services for working life, ranging from legal assistance to developing your skills and job search support. ​​​​​​​

​​​​​​​A happier working life is making your own choices, and we give the courage to make them!

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With us the freedom to choose belongs to everyone. Which membership do you choose?

Choose yourself

Membership benefits Fund membership 99 € * Combined membership 123 € ** Student membership 0 € ***
Earnings security for workers in all sectors for unemployment, layoffs, part-time employment, and part-time entrepreneurship Kuuluu palveluun Kuuluu palveluun
Job alternation leave Kuuluu palveluun Kuuluu palveluun
Mobility allowance Kuuluu palveluun Kuuluu palveluun
Legal assistance regarding issues at the workplace Kuuluu palveluun Kuuluu palveluun
Leisure time accident insurance as well as professional liability insurance and legal expenses insurance Kuuluu palveluun Kuuluu palveluun
A library of thousands of online courses for professional competence development Kuuluu palveluun Kuuluu palveluun
Support and tools for job search Kuuluu palveluun Kuuluu palveluun
Versatile discounts on hotels, sports benefits, and online security Kuuluu palveluun Kuuluu palveluun
Choose here
  • Earnings security for workers in all sectors for unemployment, layoffs, part-time employment, and part-time entrepreneurship
  • Job alternation leave
  • Mobility allowance
Choose here
  • Earnings security for workers in all sectors for unemployment, layoffs, part-time employment, and part-time entrepreneurship
  • Job alternation leave
  • Mobility allowance
  • Legal assistance regarding issues at the workplace
  • Leisure time accident insurance as well as professional liability insurance and legal expenses insurance
  • A library of thousands of online courses for professional competence development
  • Support and tools for job search
  • Versatile discounts on hotels, sports benefits, and online security
Choose here
  • Legal assistance regarding issues at the workplace
  • Leisure time accident insurance as well as professional liability insurance and legal expenses insurance
  • A library of thousands of online courses for professional competence development
  • Support and tools for job search
  • Versatile discounts on hotels, sports benefits, and online security
Choose here

*) As a fund member, you receive earnings protection for unemployment, layoff, part-time employment, part-time entrepreneurship, or job alternation leave. The services are provided by the YTK Unemployment fund. The fund membership fee for 2023 is 99 € (115 € for 2022).

**) As a combined member you are not only part of the YTK Unemployment fund but a member of YTK Worklife also and you will receive earnings protection for unemployment and services related to supporting your work life. These services are provided by YTK Worklife. The membership fee for YTK Worklife 2023 is 24 € (22 € for 2022)

***) Student membership is for those who are taking steps towards working life but are not yet working, and thus not able to join the unemployment fund. As a student member you are only a member of the YTK Worklife. If you are working alongside your studies, we recommend the combined membership!

Here's what our members have said about us:

90 % of our members would recommend us to their friends!

I am a YTK member because...

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FAQ

  • What is the difference between the fund membership and the combined membership?

    As a fund member you belong to the YTK Unemployment Fund and get earnings
    security. As a combined member, in addition to earnings security, you also get
    the benefits supplied by YTK Worklife (former YTK Association), which includes
    services for a better work life and many other useful benefits.

  • YTK Unemployment Funds membership fee

    The YTK fund membership will cost 99 € in 2023. If you join in the middle of
    the year, you only pay the rest of the year's share.

  • The membership fee for the YTK combined membership

    The combined membership in YTK will cost a total of 123 € in 2023. As a
    combined member, you receive two separate membership fee invoices: a 99 € invoice from the YTK Unemployment fund and a 24 € invoice from YTK Worklife
    (former YTK Association).

    If you join in the middle of the year, you only pay the remainder of the year for
    the fund membership. The membership fee for the working life services is per
    calendar year, meaning it must be paid in full regardless of the date that you
    join. You will receive membership fee invoices within a couple of weeks after
    you join.

  • Can you join the unemployment fund while unemployed?

    You cannot join an unemployment fund during unemployment or layoffs. When
    working part-time or working on a zero-hours contract, the date of joining
    should be a working day.

  • Beginning of the membership

    The membership starts no earlier than the date your application reaches us. To
    ensure your membership, you must pay the membership fee on time.

  • 6 months membership condition

    To qualify for earnings-related allowance, you must be a member of the
    unemployment fund at least 26 weeks prior to the start of unemployment or
    layoff.

    Likewise, the personal legal investigation service and professional liability and legal protection insurance included in the Lakikaveri service, provided by YTK Worklife, require a minimum of 6 months of combined membership
    before the start of the chain of events requiring investigation or the occurrence
    of an insurance event. 

  • Upgrading your fund membership to a combined membership

    If you are already a member of the YTK Unemployment Fund you can easily
    upgrade your membership via the joining form. Choose “I am already a member
    of unemployment fund and I am now joining as a member of YTK association as
    well” on the form.

  • What is YTK Worklife?

    On 7.10.2022, the YTK Association changed its name to YTK Worklife. YTK
    Worklife provides a variety of working life services for combined members of
    YTK.

  • Student membership

    Student membership includes all working life services provided by YTK Worklife,
    but not membership of the unemployment fund Student membership is for
    those who are taking steps towards working life but are not yet working, and
    thus not able to join the unemployment fund.

    You cannot convert your YTK membership to a student membership without
    losing your unemployment fund membership. Read more about student
    membership here.

  • Terms of Membership

    You can read more details about the terms and obligations of becoming a
    member here.