Yes. Unemployment fund membership fees are tax‑deductible.
Membership fees paid to labour market organisations can no longer be deducted in taxation. As a result of this change, unemployment fund membership fees are no longer included on tax cards, even though they remain tax‑deductible.
Unemployment fund membership fees are taken into account in the final taxation for the year 2026. The funds report the membership fees paid during the tax year to the Finnish Tax Administration on your behalf.
Paper invoices
We will send you paper invoices by post once a year as a reference list between December 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:
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 keep track of the processing of your application and submit daily allowance applications, attachments and messages. You can also make changes to your membership by notifying us by message. Log in to your Member Pages using your personal online bank user identifiers.
You can find your invoices on the Status tab of your Member Pages You can find a copy of the payment reference lists mailed to you under the Messages tab of your Member Pages under Other communications.
You are not entitled to earnings-related unemployment allowance after retirement. As a general rule, we continue to pay the daily allowance until the end of the calendar month in which you turn 65. You can resign from the Entrepreneur Fund by messaging us on your personal profile page or by filling in and submitting the resignation form. If you do not resign your membership, we will continue to charge you a reduced membership fee (€3/month).
By paying a reduced membership fee, you can still use our other services. We offer you access to the KoulutusOnline training platform and webinars by leading professionals in their fields.
In addition to earnings-related unemployment allowance, we offer a range of other services to our members. If you wish, we can contact you regarding these services. You can submit a request for contact by sending a message via the Member Pages.
We provide our members with access to KoulutusOnline, the training platform of the Helsinki Region Chamber of Commerce. KoulutusOnline offers webinar recordings on topics such as financial management, taxation, internationalisation, employment relationships, management, sales, information technology, and digital skills.
All trainings include AI-generated subtitles, which can be selected in Finnish, Swedish, or English.
As a member benefit, we offer webinars covering a variety of topics. In our webinars, leading experts in their fields guide you through engaging and relevant subjects. You will receive invitations and registration instructions for upcoming webinars by email.
In addition to the training platform, we have created a Knowledge Base to support entrepreneurs at different stages of their entrepreneurial journey. Explore the Knowledge Bank 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 below €15,481 (at 2026 levels) or if your pension insurance is not valid, you cannot accrue new work requirement months. However, by maintaining the membership in the fund, you can retain the work requirement you have previously accumulated. As a general rule, the months of work requirement accrued before the reduced fee will remain valid as long as they fit into the last 48 months.
In the above situations, 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). A personal statement alone is not sufficient, and documents such as medical certificates should not be submitted to the fund.
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.
For each earnings-related unemployment allowance paid by the Entrepreneur Fund, the state pays an amount equivalent to the basic unemployment allowance (EUR 37.21 in 2026). The remaining part of the allowance is financed by the Entrepreneur Fund itself.
For wage-earner funds, funding consists of both the state’s contribution and a contribution from the Employment Fund. Wage-earner funds are responsible for 5.5% of the earnings-related allowance, whereas the Entrepreneur Fund is responsible for approximately 40%.
In addition, the equalisation fund of the Entrepreneur Fund must be significantly larger than that of wage-earner funds. To safeguard the funding and liquidity of the Entrepreneur Fund, the equalisation fund must meet a minimum level confirmed by the Financial Supervisory Authority (250%). This means that the Entrepreneur Fund must be able to cover its administrative costs and the benefit expenditure for which it is responsible for two and a half years without any membership fee income. For wage-earner funds, the required level of the equalisation fund is 100%.
Due to these differences in funding structures, the membership fee of the Entrepreneur Fund is higher than that of wage-earner funds.
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 an insurance level in the fund that is at most equal to the annual income of your pension insurance(YEL, MYEL, TyEL). The insurance level can therefore be any amount you choose that exceeds €15 481 up to the annual income of your pension insurance. 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 equalisation 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. A Wage-earner fund will be paid a state contribution and a contribution from the Employment Fund. A wage-earner 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 wage-earner funds.
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.
Tilaa sähköpostiisi linkki myyntiä edistävään koulutukseemme ”Moderni myynti – Miten myydä paremmin digiajan asiakkaalle".
