Duration of allowance payments

You can receive an unemployment allowance for a maximum of 300, 400 or 500 days for no more than 5 days a week.

Employment history  Maximum period
Up to 3 years 300 days
More than 3 years 400 days
You fulfil the employment condition after turning 58 years and you have been employed for at least 5 years out the last 20. 500 days

Your maximum period is reset when you re-fulfil the employment condition.

The maximum period will not be reset during self-motivated studies or labour market training. In this case, your maximum period will only be reset when your studies or training are over. The maximum period is not reset while you are on additional allowance days.

When you are paid adjusted earnings-related allowance, the days are accrued in proportion to the maximum period counter. When you are paid adjusted allowance, the amount of the allowance paid affects how many days in that month count towards the maximum payment period.

If the payment of your allowance began on 31 December 2016 or before that, the previous rules are applied to the payment of your allowance. According to them, you will be paid an unemployment allowance for 500 days if your employment history is at least three years, and 400 days if your employment history is less than three years.

Instructions on when the maximum period has been paid

1. Check if you are entitled to additional allowance days.

2. Send the decision on terminating payment of earnings-related allowance to both Kela and the TE Office

You will receive a decision on having reached the maximum period in the status section in eService and by post to your home address.

3. Keep your job search valid with the TE Office

Send the decision you received from  the KOKO unemployment fund to the TE Office, which will forward their statement to Kela. Keep your job search active throughout this period, so that your entitlement to benefits can continue uninterrupted.

4. Apply for a labour market subsidy from Kela

The benefit paid after the end of the earnings-related allowance is the labour market subsidy, which you should apply for from Kela. The amount of the labour market subsidy is the same as that of the basic allowance, i.e. €37.21 per day in 2023. Somewhat different rules apply to the labour market subsidy compared to the earnings-related allowance. Read more about applying for labour market subsidy and its payment from Kela’s website.

5. How can I restore my entitlement to earnings-related allowance?

Your maximum period is reset and you can again receive earnings-related allowance, when you re-fulfil the employment condition. The weeks that count towards fulfilment of the employment condition are stated on the decision sent to you.

6. Is there any benefit in remaining a member of KOKO?

You should not end your fund membership if you believe that you will re-fulfil the employment condition or you have already accrued employment weeks. You must fulfil the employment condition while being a member of the fund, and every week that you work during membership is counted towards re-fulfilling the employment condition. You will regain your entitlement to an earnings-related allowance when you meet the employment condition again.

Additional allowance days

You will be paid unemployment allowance after the end of the maximum period to the end of the month in which you turn 65 if you fill one of the conditions in the table below. In addition, you must have been employed for five years during the last 20 years.

Year of birth  Age after which the maximum period was reached
1955–1956 60 years
1957–1960 61 years
1961 or after 62 years

You do not need to apply for the additional days separately. Just send your allowance application to the fund as usual, and the person handling the application will determine whether you are entitled to additional days.

The maximum period is not reset while you are on additional allowance days. The amount of your earnings-related allowance is also not re-calculated while you are on additional days.

If you receive entrepreneur’s post-protection daily allowance from a wage-earner’s fund, however, you are not entitled to wage-earner’s additional allowance days. Read more about post-protection and entrepreneurship.

The additional days of unemployment security will be abolished

The payment of unemployment security for additional days will be phased out to be replaced by a change security scheme for those aged 55 or over. The legislative amendments will enter into force at the beginning of 2023.

The age limit for additional allowance days will be raised by one year for those born in 1963 and 1964, and the possibility of additional allowance days will be completely removed for those born in 1965 and later. This means that the reform will affect the right to earnings-related unemployment allowance from 2025 onwards, when those born in 1963 will reach the current age limit of 62 years for additional allowance days. The payment unemployment allowance of additional days will end in 2030. Read more