We annually publish an updated brochure available in Finnish, Swedish and English. The brochure is available in electronic format here. You may also order the material we publish either for personal or professional use free of charge.
The Unemployment Security Act is constructed in such a way that if you insure yourself in the right fund on a continuous basis, there will not be any gaps in your unemployment security. You should insure yourself in respect of self-employment with AYT and in respect of salaried employment with an employee fund. It’s best to always change funds as soon as your situation changes, in order to maintain income security without any interruptions. If you are switching to salaried employment, it is worth changing to an employee fund and then changing back to AYT if you restart entrepreneurial activities later.
If you switch from AYT to an employee fund, and you lose your job before the employment condition for employees is met, you are eligible for unemployment allowance from the employee fund on the basis of the earned income level you chose for AYT. This entitlement is valid up until you meet the employment condition for an employee. This is called entrepreneurs’ requalification security.
In order to be covered by entrepreneurs’ requalification security
Eligibility for entrepreneur requalification security also requires that the employment condition for an entrepreneur is effective should you become unemployed. The employment condition must also be met during a review period of 48 months immediately before unemployment.
If you have not been able to meet the employment condition for an entrepreneur during membership of AYT, and your unemployment security transferred from an employee fund to AYT is still effective, you can join the employee fund whilst retaining your previously earned security. You should, however, ensure that you rejoin the employee fund within one month of leaving AYT. You must also pay AYT's membership fees to the date of resignation.