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If you decide to start a business while unemployed, you can still continue to receive unemployment benefit payments for another 4 months.
The Kela unemployment benefit is affected by the income from your self-employment, which means the more money you make from your business, the less money you get from Kela. You will need to report your self-employment income in the unemployment status report. To learn more, click here.
We couldn't find any official list of steps to take once a person becomes unemployed, but here are some suggestions.
1. Register with the TE Office (TE Palvelut) as an unemployed job seeker.
2. Apply for unemployment benefits from Kela.
3. Apply to jobs in your area of expertise.
4. Network as much as you can.
Registering as an unemployed job seeker is the first step in applying for unemployment benefits. When you become unemployed, you must register at the latest on your first day of unemployment. You can also register later at any time, but you can't receive unemployment benefits until then. It should be noted that if you lose your job on a Monday and register as an unemployed job seeker on a Friday, you will only receive the unemployed benefits starting from Friday; the day you registered as a job seeker.
To register as an unemployed job seeker, click here.
If you become unemployed you can apply for unemployment benefits from Kela after you have registered as an unemployed job seeker at the TE Office (TE Palvelut). The benefits that can be paid to unemployed persons are:
1. Unemployment allowance (earnings-related unemployment allowance or basic unemployment allowance).
2. Labor market subsidy.
If you are a member of an unemployment fund you can apply for earnings related unemployment allowance from the unemployment fund. If you are not entitled to earnings related unemployment allowance, you can apply for basic unemployment allowance or labor market subsidy from Kela. For more information, click here.
The basic unemployment allowance is payable for a maximum period of 400 days. If your employment history is less than three years, the maximum payment period is 300 days. If you are still unemployed when the allowance runs out, you can apply for labor market subsidy.
The unemployment allowance is payable for a maximum of 500 days for unemployed people 58 years old and older. Ageing unemployed people who satisfy the work requirement are eligible for additional days of unemployment allowance and can take advantage of a kind of unemployment path to retirement. For more information, click here.
Unemployment benefits are taxable income, and a preliminary tax of 20% is withheld on them.
Even if the unemployment allowance is lower than the wage, the rate of tax may not necessarily be lower. The reason for this is that it is not possible to make the same tax deductions from the allowance as from the salary.
You can apply for a revised tax card for social security benefits from Vero (the Tax Administration). Vero will, on request, send the revised tax card directly to Kela. If you have any questions, please visit your local Kela office. To read more about taxes, click here.
Earner is currently developing a Jobs page where you can search for jobs and track the ones you've applied to. We hope to release this tool to you as soon as we can. We want to help you during your job search as much as possible. To be alerted when we make updates to our website, including the Jobs page release, subscribe to our newsletter, which can be found on the home page.
Yes. Networking, and meeting new people, can make a big difference when unemployed. "You can get a head by who you know". The same is true in Finland.
A few suggestions on getting started is to volunteer at events. A lot of big events will need volunteers. As a volunteer, not only will you get free access to the event, but you will meet new people who could help you get ahead.
Another suggestion is join websites, such as meetup.com, and attend the social gatherings listed there.
There are great networking groups on social media, who often have events where members can meet with each other.
In short, networking can make a big difference in your life. Not only are you gaining great friendships, but you could get a great recommendation for a job as well.