ukk-kategoria: Membership

When you start receiving old-age pension, we cannot pay you any earnings-related daily allowance. As a rule, we can pay daily allowance until the end of the calendar month in which you turn 65. You can terminate your membership of the Entrepreneur Fund by sending us a message on your Member Pages or by filling in the resignation form. If you do not cancel your membership now, we will continue to charge you the reduced membership fee (€3/month).

Although you may not be entitled to an earnings-related daily allowance, as a member you can take advantage of the other services offered by the fund.

Our other services
We offer other services to our members in addition to the earnings-related daily allowance. If you want, we can call you about these services. To contact us, you can leave a message on the Member Pages.

KoulutusOnline
We offer our members the Helsinki Region Chamber of Commerce’s training platform KoulutusOnline. KoulutusOnline offers webinars on topics such as financial management, taxation, internationalisation, employment, management, sales, IT and digital skills. You can choose AI subtitles for all trainings. The subtitles are available in Finnish, Swedish and English.

Webinars
We offer you webinars as members. In our webinars, top lecturers in their fields will guide you through fascinating topics. You will receive an invitation and registration instructions for the webinars by email.

Database
In addition to the training platform, we created a database to guide entrepreneurs at different stages of entrepreneurship. Check out the database on our website here.

If you receive a partial disability pension or partial old-age pension, you should remain a member of the Entrepreneur Fund. If you become unemployed, any unemployment benefit will be determined primarily on the basis of the level of insurance before the pension and the annual income from the pension insurance.

The partial disability pension is deducted from any unemployment allowance. If you start receiving a partial disability pension, let us know by sending us a message on the Member Pages.

A partial old-age pension does not prevent or reduce the amount of the daily allowance.

As a rule, unemployment allowance can be paid up to the end of the calendar month in which you turn 65.

In most cases, you should keep your membership of the fund active to keep any months you have accumulated toward the work requirement. If your YEL-income or MYEL-income or TyEL salary is less than €15,481 (at 2026 levels) or if your pension insurance is not valid, you will not be able to accumulate a new work requirement. However, by maintaining the membership of the fund, you can keep the work requirement you have previously accumulated. As a general rule, the months of work requirement accumulated before the reduced fee will remain valid as long as they fit into the last 48 months.

If any of the above apply to you, you can apply for a reduced membership fee on your membership page. Please attach to your application a certificate from your insurance company confirming your annual income from YEL-/MYEL insurance or (the employer’s) certificate of salary (TyEL insured). It is not sufficient to submit your own declaration alone and you should not submit any medical certificates, for example.

Please send us a message on your Member pages. In 2026, the work requirement will only accrue when the insurance level in the fund and the annual income from YEL/MYEL/TyEL insurance are at least €15,481. You cannot declare a higher level of insurance than the annual income from your YEL/MYEL/TyEL insurance.

The Entrepreneur Fund will be paid an amount equal to the basic daily allowance (EUR 37.21 in 2025) for each daily allowance, and the rest of the funding will be covered by the Entrepreneur Fund itself. The Employees’ Fund will be paid a state contribution and a contribution from the Employment Fund. The Employees’ Fund will be responsible for 5.5% of the earnings-related daily allowance, while the Entrepreneur Fund will be responsible for around 40%.

In addition, the equalisation fund of the Entrepreneur Fund must be significantly larger than that of the Employees’ Fund. In order to ensure the funding and liquidity of the Entrepreneur Fund, the equalisation fund must have a minimum amount (250%) set by the Financial Supervisory Authority, which means that the Entrepreneur Fund will be able to cover its administrative costs and its out-of-pocket benefit costs for two and a half years without any income from membership fees. For the Employees’ Fund, the equalisation fund must be at least 100%.

Due to the different funding base, the membership fee of the Entrepreneur Fund is higher than that of the Employees’ Fund.

In 2026, the membership feen for the Entrepreneur Fund will be 1.7% of the part of the insured annual income exceeding EUR 9 600.

You can choose up to the level of pension insurance (YEL, MYEL, TyEL) corresponding to your annual income. The sum can therefore be any amount you choose that exceeds €15 481. You can use the member fee calculator to calculate the amount of your membership fee.

The Financial Supervisory Authority confirms the membership fee of the Entrepreneur Fund on the basis of the Fund’s proposal. The unemployment fund membership fee must be set at a level that, together with the contributions, is sufficient to meet the unemployment fund’s commitments, i.e. to pay benefits. In addition, when the membership fee is fixed, account must be taken of the fact that the unemployment fund must have a smoothing fund to which the annual surplus of the unemployment fund is transferred in order to ensure its financing and liquidity.

The Entrepreneur Fund will be paid an amount equal to the basic daily allowance (EUR 37.21 in 2025) for each earnings-related daily allowance, and the rest of the funding will be covered by the Entrepreneur Fund itself. The Employees’ Fund will be paid a state contribution and a contribution from the Employment Fund. The Employees’ Fund will be responsible for 5.5% of the earnings-related daily allowance, while the Entrepreneur Fund will be responsible for around 40%. Due to the different funding base, the Entrepreneur Fund has a higher membership fee than the Employees’ Fund.

Paper invoices
We will send you paper invoices by post once a year as a reference list between Christmas and February. The invoice will include all instalments in either 1, 4 or 12 instalments of your choice.

If you want to get rid of paper invoices, you can switch to e-invoicing. Here’s how to get started with e-invoicing:

1. Sign in to your personal online bank.
2. Select the Entrepreneur’s Unemployment Fund as the biller, and enter your personal identification number as the unique identifier.
3. In future, you will receive your invoices in your online bank.

e-invoices
Electronic e-invoices are always sent to your online bank well in advance of your due date, one item at a time.

On the Member Pages, you can follow the processing of your application, fill in your daily allowance application and send attachments and messages. You can also make changes to your membership by sending us a message. Log in to the Member Pages with your personal bank details.

You can find your invoice on the Statements tab of the Member Pages. You can find a copy of your mailed reference list on the Messages tab of your member pages under Other Communications.

As a member of the Entrepreneur Fund, you can contact the fund on your Member Pages or by phone on 09 622 4830. You can also send mail to Entrepreneur Fund, P.O. Box 86, 00251 Helsinki.

If you do not belong to the fund, you can call us on 09 622 4830 or email neuvonta@yrittajakassa.fi.

You can change your membership details by posting a message on your membership page.