Contact information 

Please notice that PAM and Unemployment Fund helplines are experiencing high call volumes especially in the morning. Answers to many questions is found on our web site.

Membership services

030 100 630 10 am to 2 pm

Employment advice

030 100 625  10 am to 2 pm

Unemployment benefit advice 020 690 211 10 am to 2 pm

Who can join PAM?

Updated: 28.12.2021

Join PAM if you work in the private service sector or if you are studying for a service sector occupation. 

You can join PAM if:

  • you work in a private service sector;
  • you are a supervisor in a service sector;
  • you are studying for a service sector occupation;
  • you are a self-employed person or entrepreneur.

Join here.

You cannot join PAM if:

you are unemployed, laid off, on parental leave or on some other leave during which you are not receiving any earnings from employment.

Entre­preneurial members

PAM’s entrepreneurial membership is open to self-employed people and entrepreneurs. You pay your PAM membership fees for your earnings that are used as the basis for your pension insurance premiums.

Self-employed people and entrepreneurs cannot be members of the Service Union United Unemployment Fund.

Barriers to membership for entrepreneurs

A person is considered to be an entrepreneur

  • if he/she is obliged to take out insurance under the Self-Employed Persons’ Pension Act (YEL, 1272/2006) or the Farmers’ Pension Act (MYEL, 1280/2006).
  • Any person covered by another statutory pension scheme is also considered to be an entrepreneur,
    • when he/she works in a leading position in a company where he/she owns at least 15% or his/her family members
    • or he/she together with the family members own at least 30% of the share capital (voting rights).
    • Furthermore, a person will be recognized as an entrepreneur when he/she works in a non-leadership position in a limited liability company where he/she or his/her family members or he/she together with the family members own at least 50% of the share capital or the voting rights carried by the shares, or has otherwise obtained equivalent control of the company.
    • Family members of an active partner in a limited partnership (Finnish ‘ky’) working for the company are considered to be entrepreneurs. The same also applies to family members of a sole proprietor.

This means that if you own shares in your employer company as specified above, you are, as a general rule, considered to be an entrepreneur in terms of unemployment security. As a result, you are not necessarily entitled to receive unemployment allowance from a union unemployment fund.

For more information on the unemployment security of entrepreneurs and their family members, please contact the Unemployment Fund for Entrepreneurs and the Self-Employed. 

‘Leading position’ refers to managing directors, board members or similar.

‘Family member’ refers to married spouses or common-law partners as well as the entrepreneur’s direct descendant or ascendant relatives (children, parents) living in the same household.

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Member benefits