As a member of the Entrepreneur Fund, you secure your future
Membership gives you access to unemployment security, courses, and expert guidance
It’s great that you have secured yourself against unemployment. We’re here for you.
Earnings-related daily allowance
As a member of the Entrepreneurs’ Fund, you get income protection. If you go out of business and become unemployed, you can receive daily allowance for five working days a week, as a rule for up to 400 days.
Training service
On KoulutusOnline you can find recorded training sessions on topics such as financial management, international growth and employment relations. You can request access to KoulutusOnline by sending us a message on your Member Pages.
Help for entrepreneurship
Did you go out of business and become unemployed? Or do you need other support on your entrepreneurial path? We will guide you forward, whatever stage you are at in your entrepreneurial journey.
Membership fee and insurance level
As our member you choose the level of your unemployment cover. Your insurance level determines the amount of your membership fee and your daily allowance.
The level of insurance you choose must be
- at least €15 128 in 2025 and
- up to the annual income from your pension insurance (YEL/MYEL) or the total annual income from the different pension insurance schemes (YEL, MYEL, TyEL) paid for your business activity.
At the lowest possible level of €15 128, your contribution will be €94 per year, or just under €8 per month.
Set your insurance level immediately at the same level as your YEL, MYEL or TyEL income. If you later increase your level by more than 20%, the new level will only take full effect 15 months after the increase.
Updating member information
Keep your information up to date
It is your responsibility to change your membership details. This includes changes to your contact information or your insurance level. Please notify us of any changes by sending us a message on your Member Page.
Frequently asked questions
I intend to continue running my business well into retirement. Should I stay in the fund?
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.
I am on a partial disability pension or partial old-age pension. Do I continue my membership?
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.
What should I do if my YEL-income is under €15 128 or my YEL-insurance is not valid? Can I apply for a reduced membership fee?
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 €15,128 (at 2025 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.
How do I change my insurance level?
Please send us a message on your Member pages. In 2025, 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 €15,128. You cannot declare a higher level of insurance than the annual income from your YEL/MYEL/TyEL insurance.