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ukk-kategoria: Unemployment allowance

  • Part-time work and staggering of allowance

    Part-time work and staggering of allowance

    Earnings-related daily allowance is also subject to staggering during periods of part-time work. However, during part-time work, the 40‑day and 170‑day thresholds for staggering are reached more slowly.

    Example:
    Your full daily allowance is EUR 70 per day. You work part-time so that you receive adjusted daily allowance of EUR 35 per day for the period of work. In this case, it takes 80 days to reach the 40‑day staggering threshold.

    When the daily allowance is reduced at the same time due to earned income from part-time work and staggering, the reduction due to staggering is applied first, followed by the reduction based on earned income. You can estimate the amount of your daily allowance after reductions due to staggering and earned income using the Finnish Unemployment Funds’ (TYJ) daily allowance calculator.

  • Can I receive a mobility allowance?

    Can I receive a mobility allowance?

    A mobility allowance compensates for travel and moving costs caused by accepting a job.

    A mobility allowance may be paid if you accept either full-time or part-time work that lasts at least two months. In full-time work, your daily commute must take more than three hours, and in part-time work more than two hours to be eligible for the allowance. The allowance is paid only for actual days worked.

    Part-time work means work in which the working time is no more than 80% of the maximum working time in the sector. For example, if the maximum working time is 37.5 hours per week, work is still considered part-time at 30 hours per week. A mobility allowance may also be granted for work-related training if the training is connected to employment lasting at least two months. The training must be arranged by the employer or acquired by the employer from another provider.

    Additionally payment of the mobility allowance requires that you are entitled to an unemployment benefit immediately before starting work or work-related training.

    If you think you may be entitled to a mobility allowance, please contact us via the Member Pages.

  • Increasing your insurance level by more than 20%

    Increasing your insurance level by more than 20%

    You may increase your insurance level within 15 months by up to 20% so that the increase takes effect immediately in the calculation basis of your earnings-related daily allowance.

    If you increase your insurance level by more than 20%, we cannot take into account the part of the increase that exceeds 20% in the calculation of your earnings-related daily allowance until you have maintained the new insurance level for at least 15 months.

    In other words, if you raise your insurance level by more than 20%, you must maintain the increased level for at least 15 months for the portion exceeding 20% to be included in the calculation basis of your earnings-related daily allowance.

  • A long absence from the labour market may put your unemployment security at risk

    A long absence from the labour market may put your unemployment security at risk

    The work requirement you have accrued remains valid as long as you are not absent from the labour market without an acceptable reason for more than six months. If your absence from the labour market without an acceptable reason lasts longer than six months, the work requirement will lapse and must be fulfilled again after you return to the labour market.

    You are considered to be available to the labour market when you:

    • carry out work that counts towards the work requirement, either as an entrepreneur or as an employee
    • participate in an employment-promoting service
    • are registered as an unemployed jobseeker with the employment authority

    An absence from the labour market is considered acceptable, for example, when you are:

    • ill or undergoing rehabilitation
    • a full-time student or receiving a grant
    • on maternity, paternity or parental leave
    • at home caring for a child under the age of 3
  • Accumulation of days of earnings-related allowance

    Accumulation of days of earnings-related allowance

    We pay up to 300, 400 or 500 days of earnings-related daily allowance, depending on your situation. If you are entirely without work, each day of paid unemployment allowance counts for one day towards the maximum number of days. Also, if your unemployment allowance is paid at a reduced rate because you are receiving some other benefit (such as part-time disability pension), each day counts towards one day towards the maximum.

    When we pay an adjusted daily allowance, the maximum number of days is used proportion to the number of days we pay you the allowance.

    Example:

    Your full unemployment allowance is €70 per day. You work part-time and receive an adjusted allowance of €35 per day. In this case, you use 10 days towards the maximum days over an application period of 20 days.

  • Staggering of allowance and the minimum rule

    Staggering of allowance and the minimum rule

    Earnings-related daily allowance has a minimum amount. The amount of earnings-related daily allowance paid is always at least the amount of the basic allowance. Staggering , (i.e. the reduction of the earnings-related daily allowance in two stages) does not apply to the basic allowance.

    If the amount of the daily allowance before the differentiation is equal to the basic allowance, the staggering is not applied to the daily allowance.

  • What is meant by the periodisation of sales profits?

    What is meant by the periodisation of sales profits?

    You are not entitled to earnings-related unemployment allowance for the period over which we periodise profits from the sale of business assets related to the closure of your business activities.

    Sales profits may arise, for example, from the sale of shares, a partnership interest, a business or corporate assets. Sales profits may also arise from unsold business assets or those taken into your own use .

    Possible sales profits are investigated and periodised after you have ended your business activities. Sales profits are periodised according to the work income on which the earnings-related daily allowance is based. This means that we compare the sales profits with the annual earned income used as the basis of your daily allowance. Periodisation postpones the start of the maximum days which you can be paid earnings-related allowance based on how long it would have taken to accrue the sales profit using your monthly earned income.

    Profits from the sale of business assets are periodised over a maximum period of 24 months. However, sales profits are not periodised if your company has been in business for no more than 18 months or if the balance sheet total of your company’s final financial year minus liabilities does not exceed 20,000 euros. If you were not obligated to keep a balance sheet, we will use the inventory of business assets and liabilities instead.

  • Why are sales profits examined?

    Why are sales profits examined?

    According to chapter 3, section 7 of the Unemployment Security Act, you are not entitled to earnings-related unemployment allowance for the period over which profits from the sale of business assets related to the closure of your business activities are periodised. When your business closes down, the Fund needs to investigate whether you have obtained sales profits from the business.

  • Accumulation of earnings-related daily allowance days

    Accumulation of earnings-related daily allowance days

    We will pay up to 300, 400 or 500 days of earnings-related daily allowance, depending on your situation. When you are completely unemployed, each day of unemployment you pay will count for one day against that maximum period. Also, if your benefit is paid at a reduced rate because of a benefit (e.g. partial disabilty pension), each day will count as one day of the maximum payment period.

    When we pay adjusted earnings-related daily allowance, the maximum payment period for daily allowance runs in proportion to the number of days of earnings-related daily allowance we pay you.

    Example:

    Your full daily allowance is €70 per day. If you work part-time work, you will receive an adjusted allowance of €35 per day. In this case, 10 days of the 20-day pay period will be added to the maximum period calculator.

  • How do social benefits affect the earnings-related allowance?

    How do social benefits affect the earnings-related allowance?

    Social benefits can have an impact on the earnings-related daily allowance. Some benefits prevent you from receiving the earnings-related allowance, some fully reduce the amount of the allowance and some have no effect on the benefits paid by the Fund.

    Benefits that have no impact

    These benefits do not usually reduce or prevent the payment of the daily allowance

    • Voluntary pension insurance taken out by the individual
    • Housing allowance or housing allowance for pensioners
    • Child benefitMunicipal supplement to child home care allowance
    • Partial care allowance (partial childcare leave)Flexible care allowance paid to a spouse
    • Partially early old-age pensionSocial assistance (however, unemployment benefit may affect social assistance)
    • Informal care allowance
    • Care allowance for pensioners
    • Disability compensation under the Accident Insurance Act
    • Life annuity and supplementary annuity under the Military Injuries Act
    • Disability allowance (disability benefit under the Act on Disability Benefits)
    • Military allowance and housing assistance under the military allowance scheme
    • Additional war pensions
    • Compensation for special costs under the Accident Insurance Act or the Military Injuries Act
    • Compensation paid under non-statutory insurance, such as private accident insurance or medical expenses insurance
    • Preferential income granted under the legislation of another state
    • Family pensions, including maintenance pensions and supplementary maintenance pensions
    Benefits that reduce the daily allowance
    • Guarantee pension, if it has been granted as a supplement to one of the benefits listed above
    • Child home care allowance (care allowance and care supplement); also child home care allowance paid to a spouse is deducted from your earnings-related unemployment allowance if the spouse is working or studying and is not unemployed
    • Flexible care allowance (a benefit received by the spouse does not affect it)
    • Partial disability pension and partial rehabilitation allowance under the earnings-related pension acts
    • Part-time pension under the earnings-related pension acts
    • National pension paid on the grounds of blindness or mobility impairment under Section 12(4) of the National Pensions Act, and for example a guarantee pension granted to supplement this pension
    • Daily allowance under the Military Injuries Act that has not been granted on the basis of full incapacity for work
    • Daily allowance and accident pension (supplementary annuity to a life annuity) under the Accident Insurance Act that have not been granted on the basis of full incapacity for work
    • Compensation for loss of earnings under the Motor Liability Insurance Act
    • Accident pension that has not been granted on the basis of full incapacity for work
    • Voluntary pension or supplementary pension arranged by an employer
    • Pension or other benefit received from another state on the basis of full or partial incapacity for work
    • Compensation for loss of earnings under the Criminal Injuries Act
    • Compensation for loss of earned income (pension) under the Patient Injuries Act
    • Student financial aid (if Kela has not recovered the benefit) and housing supplement
    • Old-age pension that has not been granted on the basis of full years of service
    • The part corresponding to the supplementary annuity to a life annuity granted under the Accident Insurance Act that has not been granted on the basis of full incapacity for work

    Benefits that prevent the payment of the daily allowance
    • Sickness allowance or partial sickness allowance granted under the Health Insurance Act
    • Compensation for loss of earnings during rehabilitation measures
    • Compensation for loss of earnings under accident insurance or the Military Injuries Act
    • Old-age pension and early old-age pension
    • Old-age pension granted on the basis of full years of serviceIndividual early retirement pension
    • Disability pension or other benefit granted on the basis of full incapacity for work
    • Rehabilitation allowance and rehabilitation benefit
    • Unemployment pension
    • Guarantee pension granted to supplement an old-age pension or early old-age pension under the National Pensions Act or the earnings-related pension acts
    • Old-age pension granted by an EU/EEA country, when it can be equated with a pension granted in Finland
    • Maternity allowance, special maternity allowance, paternity allowance, or parental allowance
    • Special care allowance
    • Adult education allowance granted under the Adult Education Allowance Act
    • Statutory or collective agreement–based notice period during which salary would be payable

    If a fund member receives a national pension under Section 22(2) of the National Pensions Act, or any other statutory benefit not mentioned above, their daily allowance is reduced by the amount of that benefit.