Kela and YTK

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jack2012
Posts: 114
Joined: Sun Dec 03, 2017 12:58 pm

Kela and YTK

Post by jack2012 » Fri Dec 22, 2017 2:39 pm

Hi,

What is difference between Kela and YTK? If I have residence permit A type and a good job then should I go for YTK?

Please advise how they both work.

Thanks



Kela and YTK

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tavastia
Posts: 527
Joined: Tue Mar 08, 2016 1:54 pm

Re: Kela and YTK

Post by tavastia » Fri Dec 22, 2017 4:30 pm

if you get unemployed Kela will pay you the basic allowance like 5-600€. Ytk will pay based on your salary, like 60-70%... You can do the math :) https://en.ytk.fi/if-you-become-unemplo ... calculator

007
Posts: 632
Joined: Wed Sep 02, 2009 3:01 pm

Re: Kela and YTK

Post by 007 » Fri Dec 22, 2017 4:33 pm

jack2012 wrote:
Fri Dec 22, 2017 2:39 pm
Hi,

What is difference between Kela and YTK? If I have residence permit A type and a good job then should I go for YTK?

Please advise how they both work.

Thanks
You can compare them yourself. Both are available in English; however, the most important thing to know about them is that you should already be a member of YTK or other similiar kassa if you've been working.

Now, kela covers you, of course, if you are not a member of any kassa, but the unemployment money that you get from there is just the basic. So, joining a kassa gets you a bigger pie if and when you are laid off.
“Go where you are celebrated – not tolerated."
"Aina, kun opit uuden sanan, opettele samalla sen monikko!"

suomynona.yllatot
Posts: 89
Joined: Wed Jan 23, 2013 1:38 pm

Re: Kela and YTK

Post by suomynona.yllatot » Tue Jan 09, 2018 3:58 pm

Hi all,

Additionally, please do note the YTK dependency on KELA. I.e. if a person get's unemployed, their right to unemployment benefits are tied to statements and decisions from KELA - despite the fact that YTK is private and that the individual pays separately for it. Based on the recent proposal, it is likely that the new rules would also apply to YTK unemployment allows - again, despite that it is private institution.

Raises a couple of questions on the moral and ethical part on this.

Upphew
Posts: 10748
Joined: Tue Apr 08, 2008 10:55 pm
Location: Lappeenranta

Re: Kela and YTK

Post by Upphew » Tue Jan 09, 2018 4:05 pm

suomynona.yllatot wrote:
Tue Jan 09, 2018 3:58 pm
Hi all,

Additionally, please do note the YTK dependency on KELA. I.e. if a person get's unemployed, their right to unemployment benefits are tied to statements and decisions from KELA - despite the fact that YTK is private and that the individual pays separately for it. Based on the recent proposal, it is likely that the new rules would also apply to YTK unemployment allows - again, despite that it is private institution.

Raises a couple of questions on the moral and ethical part on this.
Like the part that YTK, and all the other unemployment funds, pay only 10% of the earnings related benefits. The rest comes from KELA.

edit. correction: 5,6% from funds, 38,9 from government (so Kela) and 55,5% from TVR, which gets money from employers and employees (the työttömyysvakuutusmaksu in your payslip).
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Visa is for visiting, Residence Permit for residing.


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