Protect your working life
Earnings security, legal assistance, and benefits worth thousands of euros. You’ll get everything you need from YTK.
Finland’s Largest Fund
about 10 € per month
regardless of profession
owned by the members
Choose the security that’s right for you
Unemployment, layoffs, part-time work, job hunting, employment contracts, change negotiations, salary issues… We’re here to support you in all aspects of your working life.
Compare your options and choose the security that’s right for you:
Are you a student?
If you’re a student between the ages of 16 and 29 and aren’t working yet, YTK Worklife’s Student Membership is for you! Student membership does not include unemployment fund membership or income protection, but you’ll have access to all other working life services at an affordable student rate.
You get all of this with YTK’s complete package
The YTK Unemployment Fund provides you with earnings security. By also choosing YTK Worklife membership, you get comprehensive working life services on top of your earnings security! You won’t find a package like this anywhere else at this price!
Earnings-related daily allowance
If unemployment or lay-off comes as a surprise, you will receive daily allowance based on your own wage income as a member of the fund.
Support for job search
In YTK Spark’s selection, you can easily find the best tools to help you with your job search.
Legal Assistance for employment issues
The Legal Assistance helps resolve employment disputes.
Leisure time accident insurance
Accident insurance ensures that you receive prompt, quality care.
Learn new skills through training
You have access to thousands of online training courses to help you maintain and develop your skills.
Benefits and discounts
Take advantage of our partners’ discounts! Enjoy vacations, entertainment, and hobbies at lower prices.
Here’s how to get income security if you lose your job
As a member of an unemployment fund, you’ll receive a higher daily allowance if you become unemployed, are laid off, or work part-time!
Join the Fund
You can join the Unemployment Fund if you are currently employed.
Accumulate daily allowance eligibility
You become eligible for daily allowance once you have been a member of the fund for at least 12 months and have worked enough during that time.
If you become unemployed, apply for unemployment benefits
If you become unemployed, are laid off, or are working part-time, you can apply for unemployment benefits from the unemployment fund.
Take advantage of job search support
As a member, you have access to a wide range of tools and services to help you find a new job.
Why choose YTK?
Through our members, we have such a broad perspective on the Finnish workforce that we’re sure to understand your situation as well. The income security, legal assistance, and job search services offered by Spark provide you with tangible security – independently and reliably.
- Annual membership fee
- The fund membership fee is tax-deductible
- No percentage deductions from salary
- No political party affiliation
- Members own and have a say
- The freedom to choose the coverage that’s right for you
Ready to secure your future?
One in four employees is already a member of YTK. Join us!
Frequently asked questions about membership
YTK Unemployment Fund is an open fund. This means that you can join us no matter what your profession is, what field you work in or what your education is. The prerequisite is that you are under 68 years of age and working at the time of joining. More detailed information on eligibility can be found here.
You can become a member of YTK Worklife at the same time as you join the fund, or you can upgrade your fund membership to a YTK Worklife membership at any time later.
Membership of the YTK Unemployment Fund gives you income protection in the event of unemployment. With a YTK Worklife membership, you get comprehensive services for working life and benefits for your time off on top of your membership. As a student member of YTK Worklife, you receive services for working life without the income protection of the unemployment insurance fund.
At YTK, the membership fee is paid once a year. This means no payroll deductions or monthly payments. With a single payment, you’re all set for a year of income protection!
The YTK Unemployment Fund membership fee for 2026 is 102 €. If you join partway through the year, you’ll only pay the remaining amount for the rest of the year. The unemployment fund membership fee is tax-deductible.
The membership fee for YTK Worklife in 2026 is 31 €. It remains the same throughout the year, regardless of when you join.
Switching unemployment funds is easy. Join us and authorize us when you join to handle the switch from the previous fund. That’s it!
You can also submit a notice of termination to your previous fund yourself. First, make sure that your membership in YTK has started before sending the notice of termination. In this case, you ensure that your membership continues without interruption and that you retain the employment condition you collected in the previous fund. If there is a break of more than one month between memberships, the accumulation of the membership and employment condition must be started from the beginning.
Also inform your payroll clerk that the collection of membership fees from your previous unemployment fund can be stopped.
Only by belonging to an unemployment fund can you receive earnings-related unemployment allowance based on your earnings when there is no work. If you are not a member of an unemployment fund, you can receive basic unemployment allowance paid by Kela, which is considerably less than earnings-related daily allowance. You can receive earnings-related unemployment allowance if you become unemployed or temporarily laid off, work part-time or work as a part-time entrepreneur. The unemployment fund also provides mobility allowance if the new job is far from home.
All unemployment funds pay the same daily allowance in accordance with the same laws.
Use the daily allowance calculator to test how much earnings-related daily allowance you would receive!
Unemployment funds and trade unions are two different entities. They have their own tasks, operating methods, and funding.
The task of unemployment funds is clear and defined by law: they organize earnings-related unemployment security for their members. In addition, the fund can offer support for finding employment. The fund performs a public function and also receives funding from the state.
A trade union, on the other hand, is an association whose activities are based on its own rules. Unions offer their members services such as interest representation, employment counseling, and training.
You can belong to an unemployment fund alone or to both a fund and a union. Earnings-related daily allowance is always paid by the unemployment fund, even if the union membership fee includes the fund membership fee.
As a member of the YTK Unemployment fund, you can join YTK Worklife. YTK Worklife is not a trade union, but an association that provides working life services to its members.