Taxation of benefits
Ansiosidonnainen päiväraha, liikkuvuusavustus ja muutosturvaraha ovat veronalaisia tuloja. Työttömyyskassa pidättää etuuksista verokorttisi mukaisen ennakonpidätyksen. Palkkaverokortin perusteella ennakonpidätys on aina vähintään 25%.
How much tax is withheld?
The withholding tax rate depends on your tax card and the type of benefit. Based on your salary tax card:
- At least 25 % for earnings-related daily allowance or mobility allowance
- Additional percentage from your salary tax card for the transition security allowance
- Expense compensation for earnings-related daily allowance is tax-free income
Can I reduce my tax rate?
If you want the tax rate for earnings-related unemployment allowance or mobility allowance to be below 25%, you can order a revised tax card for the benefit. You can do this through the OmaVero service. Indicate the payer of the benefit as Työttömyyskassa Ote, so that the tax card information will be sent to us electronically, usually within 1–2 business days. The tax card is valid from the day it is received by the fund. The tax rate will not be reduced retroactively.
If you do not yet know the amount of your daily allowance when ordering a revised tax card, you can estimate the allowance using the calculator on our website. Please note, however, that this is only an estimate, and the actual amount of the allowance can only be determined during the application processing stage..
If you want the tax rate for the change security allowance to be lower than the additional percentage on your income tax card, you can also order a revised tax card calculated for the benefit.
Based on your income tax card, the withholding tax for earnings-related unemployment allowance and mobility allowance is always at least 25%. If you want the tax rate to be below 25%, you can order a revised tax card calculated for the benefit.
Do I need to attach the tax card to the application?
If you have been a member since the beginning of the year, we have received the information from your income tax card that came into effect at the start of the year directly from the Tax Administration. You do not need to send your tax card separately, unless you want to change your tax rate.
If your membership began in the middle of the calendar year, you must attach your tax card to your application. If you order a new tax card, indicate the benefit payer as Työttömyyskassa Ote – in this case, you do not need to send the tax card yourself, as it will be sent to us electronically directly from the Tax Administration.
Can I check what tax card information the fund has?
You can check in Otenetti what tax card information the fund has and, for example, track the accumulation of your earnings limit. You can view your own tax card information in Otenet under Income and Tax Information → Tax Information.