Guide for members

1A

2013

m a n a G e r s a n d s p e c i a l i s t s i n t h e p r i vat e s e c t o r Y t Y

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[ G u i d e f o r m e m b e r s ][ G u i d e f o r m e m b e r s ]

Dear member,

Membership card

This guide advises you about the YTY benefits and services that are currently available in 2013. These member benefits may change during the year.

Please contact us if you have any queries concerning membership or benefits. We remain at your service.

Your YTY membership card is valid until April 2015. Keep it with you at all times, as you can display it to claim various member benefits and it also serves as an insurance card on holiday trips. The card also specifies the membership number that you need when logging into YTY member services online (currently available in Finnish only).

Help in various employmentsituations

Your YTY labour law advisor is only a phone call away, and is ready to guide you in all questions and difficulties that arise in relations with your employer. Here are a few examples:• making and interpreting an employment contract• the impact of collective agreements• grounds for terminating employment and investigating whether they are lawful• non-disclosure and restraint of trade clauses• reimbursement of travelling expenses• annual holiday and working time questions• study leave and job alternation leave• guidance when leaving to work abroad

membership issues: Kyllikki Kivijärvi,tel. (09) 2510 1320,kyllikki.kivijarvi@yty.fi

legal matters: Heikki Kähkönen,tel. (09) 2510 1350 (8.30 – 13.00),heikki.kahkonen@yty.fi

professional coaches of finlandPekka Potinkara,tel. (09) 2510 1375,pekka.potinkara@saval.fi

contact persons at YtY

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dismissal and other disputes with an employerEmployees who have been fired often need advice from a qualified lawyer – urgently. A lawyer who is well versed in employment questions will be able to determine whether a dismissal is justified, either on grounds of redundancy or because of employee misconduct.

Members of YTY can turn to their union for help in negotiating. When necessary a lawyer from YTY will negotiate with a representative of the employer or the employer’s federation with a view to reaching some amicable settlement.

liability and legal aid insuranceIf negotiations are inconclusive, then you may claim compensation for the costs of any legal proceedings that are required for settling an employment dispute from the union’s liability and legal aid insurance scheme. To be eligible for compensation, the claimant must have been a member of YTY for at least six months when the insured accident occurred or the civil dispute arose. If union membership has continued for less than two years, then the underlying grounds for any civil or criminal

action must also have arisen during the membership period. These waiting periods do not apply when membership has been transferred to YTY directly from another trade union. Be sure to contact YTY if any dispute occurs. Further details of insurance claims are shown on the members’ website.

employment contractA written employment contract specifies many things that might seem obvious to the parties, but the document should always be prepared with care and shown to a YTY legal advisor for checking where necessary.

Contact:Heikki Kähkönentel. (09) 2510 1350(Mo – Fri 8.30 – 13.00)

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Unemployment benefit and fund membership

The IAET unemployment fund insures YTY members, providing earnings-related benefit in the event of loss of work or lay-off. YTY also assists members at times of sudden and radical change, and engages in continual collective bargaining on their behalf.

Membership and employment condition

If you lose your job or become laid off, the unemployment fund will pay you earnings related unemployment allowance, if both the membership condition and the employment condition are fulfilled. The membership condition means that you have to have been a member of the fund for at least 8 months before

becoming unemployed. The employment condition means that you have been in paid, social insurance-covered employment, for 34 calendar weeks during the 28 months immediately preceding unemployment.If you are an entrepreneur, or you or your family members own shares of the company you work for this could effect to your rights to unemployment benefits.

iaetRatavartijankatu 2, 00520 Helsinkitel. (09) 4763 7600

www.iaet.fi

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Insurance benefits

Leisure time accident insurance

The insurance coverage applies to accidents that occur during leisure time, unless covered by law. The insurance does not include a daily allowance. More details about the insurance policy are provided in the insurance terms and conditions. Unlike under the general terms and conditions, the beneficiaries of accident insurances taken out by YTY are always the insured person’s relatives.

the sums insured under the accident insurance:• medical expenses arising from an accident: 2 805 euros (no deductible)• compensation for permanent disability: 11 783 euros• compensation payable upon death: 5 738 euros.

Traveller’s insurance

The cover is valid for no longer than 45 days from the onset of an individual domestic or international journey during leisure time. Children under 20 years of age travelling with

the YtY membership fee includes the following insurance:• leisure time accident insurance (trade union insurance)• leisure time traveller’s insurance (trade union insurance)• legal expenses and liability insurance covering employment disputes

All members of YTY are covered under the leisure time accident and traveller’s insurance policies provided by If P&C Insurance Company Ltd, included in the membership fee. The insurance cover is tied to the YTY membership. If a member resigns or the membership is terminated by the trade union, the insurance cover expires with immediate effect. The insurance covers those members who live in Finland permanently for more than six months of the year, have permanent residence status in Finland, and who are within the scope of the Finnish Sickness Insurance Act. The valid insurance policy can be maintained through YTY until the end of the year during which the member reaches the age of 68.

The insurance number is 201-2054942. Your YTY membership card also acts as an insurance card. We advise you to store it in your wallet.

More detailed information on insurancepolicies is available via If ’s service number +358 10 19 19 19, Monday to Fridayfrom 8 am to 8 pm.

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a parent who is insured are covered by the parent’s insurance, but only by one insurance policy at a time. The insurance provides the children with the same cover as the member. In addition, the compensation payable upon death arising from an accident is 2 000 euros, and the compensation for permanent disability arising from an accident is 10 000 euros. The insurance cover includes an exclusion concerning sports activities, in compliance with the insurance terms and conditions. The exclusion cannot be removed.

Expenses arising from sickness during a journey are compensated up to a maximum period of 90 days from the appointment with a doctor, and medical expenses arising from an accident are compensated up to three years from the occurrence of the accident. The medical expenses covered by the insurance are listed in the terms and conditions.

If a sickness existing prior to the journey unexpectedly worsens during the journey, only medical expenses arising from treatment in the nature of first aid provided at the travel destination will be compensated for a maximum period of one week. Further details about the exclusions are provided in the insurance terms and conditions.

Traveller’s insurance also covers expenses arising from the cancellation or curtailment of a journey and from being late for a journey. The insured is entitled to compensation for an interrupted journey on the basis of being admitted to hospital for treatment of sickness during a journey, for example. The cancellation

or curtailment of a journey or being late for a journey must result from a compelling reason, as listed in the insurance terms and conditions.

Legal expenses insurance

The legal expenses and liability insurance is primarily designed to provide support in disputes arising from the termination of an employment relationship. Applying the insurance cover requires that YTY’s legal adviser first reviews the dispute case, analyses the legal situation, and finds out if settling the matter is possible. Quite commonly, a reasonable solution to the matter is found at this stage.

However, if the dispute cannot be resolved through negotiations or otherwise, and the member’s claim for compensation is justified, YTY will make its decision about supporting the legal expenses claim on the basis of the legal adviser’s report.

The insurance cover will take effect once the insured person has been a member of YTY for six months. In other words, when an insured event occurs, the prerequisite for the event to be compensated under the insurance is that the insured person has been a member of YTY for at least six months. However, no waiting period is applied if the member has transferred their membership directly to YTY from another trade union. Furthermore, if the YTY membership has lasted less than two years at the time of the origin of the dispute, the event on which the dispute is based must also have occurred during the validity of the membership.

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Other insurance benefitsprovided by If to YTY membes

Group sampo primusGroup Sampo Primus life and accident insurance is a membership benefit intended for YTY members and their families. The insurance cover is granted by Kaleva Mutual Insurance Company.

benefits of Group sampo primus:• easy to purchase; if you are healthy and able to work, you can take out the insurance by signing a health declaration • YTY-specific discount of up to 50% • choose the most suitable insurance cover option for you, from a range of covers and sums insured • children’s accident insurance is available for about EUR 20 per year, without sports-related exclusions

By purchasing all your insurance from If, you also gain valuable benefits that help you save money, such as discounts on insurance premiums. Loyal customer discounts for trade union customers are as high as 15%.

Further information on loyal customer insurance policies and the benefits for trade union customers are available (in Finnish) at www.if.fi/yty, or by calling +358 10 19 19 21 (in English, local network charge/mobile phone charge), or from your nearest If office.

Insurance cover

the sums insured are:• bodily injuries and property damage: 84 000 euros• legal claims: 5 000 euros

The deductible is 15 % per loss, at a minimum of 1 000 euros. However, in cases for which the member uses a legal adviser appointed by YTY, the sum insured is 17 000 euros, the deductible is 15 % per loss, at a minimum of 350 euros.

insurance terms and conditionsThe general terms and conditions for the liability and legal expense insurance for professionals (313 and 413) and the general terms and conditions for agreements (900.1) of If P&C Insurance Company Ltd are applied to the insurance policy. The full terms and conditions are available at every If Property and Casualty Insurance office.

This is not a complete account of the content of the liability and legal expenses insurance for professionals. We advise you to read the insurance terms and conditions listed above.

More detailed information on the scope and application of insurance cover pertaining to legal expenses insurance is provided by YTY’s legal adviser, Heikki Meskanen, LL.M., tel. +358 9 2510 1350, or the legal team of If Property and Casualty Insurance, and the liability department of If Property andCasualty Insurance, tel. +358 10 19 19 21.

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Holiday homes

YTY owns three high standard holiday residences that may be leased by members throughout the year.• Villa Hilla, in Levi, near Kittilä in Lapland• Putti Torppa, in the Keski-Himos chalet district of Jämsä in Central Finland• Kuntokanto, at the Sport Institute of Finland in Vierumäki near Heinola in southern Finland (new location)

reservations

Holiday homes may be reserved using the booking calendar after logging into the member area of our website. This area is currently only available in Finnish, but we can assist you by telephone if you wish to book a holiday residence. There is a separate booking calendar for each residence, and allocations are decided by drawing lots three times annually. Any remaining unreserved weeks will be visible on the booking calendar and may be reserved thereafter on a first-come, first-served basis. The booking calendars may be found online at www.ytyintra.fi > Loma-asuntojen varaukset.

To access the online member area, you will need to request a password sent to your e-mail address or mobile phone. You will also need

to quote your YTY membership number, as printed on your membership card and on membership subscription invoices.

Please call our Office Manager Kyllikki Kivijärvi on +358 9 251 01320 if you require any assistance in registering access to the online member area or reserving a holiday residence.

upcoming holiday reservation drawswill be held on the following dates:• 1 March for weeks 19 – 39 (Villa Hilla weeks 18 – 39). Advance booking requests must be placed by no later than 28 February.• 14 June for weeks 40 – 01. Advance booking requests must be placed by no later than 13 June.• 1 October for weeks 2 – 18 (2014). Advance booking requests must be placed by no later than 30 September.

Further details and pictures of these holiday residences are available in the online member area at www.ytyintra.fi/loma-asunnot (Information in Finnish language only).

A-lomat holidays

YTY members may rent holiday homes and access the Intervac home exchange scheme through the A-lomat service.

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Jäsenedut.fi

Jäsenedut.fi is a joint online member benefit service for 35 Akava-affiliated trade unions. Members of YTY may register for this service. Your membership card serves as proof of membership in shops, and discount codes for online transactions are available from the associated display sections of the jäsenedut.fi portal.

www.jasenedut.fi

Hotel discounts

YTY members are eligible for hotel discounts negotiated by Akava. The YTY membership card must be displayed when checking into the hotel.

S-Group hotel offers

Hotels in the Sokos and Radisson Blu chains provide special accommodation benefits for YTY members. Please remember to specify YTY when placing your booking. You may then claim the member benefit by displaying your membership card at the hotel reception desk.

Further details are available in Finnish at http://liitonjasenedut.s-hotels.fi/

Tallink Silja

The TallinkSilja shipping line provides varying special offers for leisure travel every month. You can find the latest opportunities online at http://www.tallinksilja.com/fi/trips/discounts/offersForUnions.htm4 (Finnish language only).

YTY members may join Club One free of charge, and are admitted directly to the intermediate Silver level of the programme. You may register and provide your contact details online at www.clubone.fi/erikoisliittyminen (Finnish language only). If you are already a member of Club One, then your current membership number will remain unchanged. Simply e-mail erikoisliittymiset@tallinksilja.com specifying your union (YTY) and the Akava customer number 9057. Silver level members are entitled to a 20 per cent discount on the following and other normal price services:

• Helsinki-Stockholm cruises and scheduled journeys• Turku-Stockholm mini cruises and scheduled journeys• Helsinki-Tallinn deck passage on scheduled journeys• Helsinki-Tallinn Baltic Princess cruises

Silver level members also enjoy a 35 per cent discount for advance booking of normal price travel. These benefits are subject to special conditions.

For further details check out the website at www.clubone.fiFor timetables and reservations:Club One, tel. +358 60 015 268 (EUR 1.64 per call + local/mobile call charge)

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Teboil

A YTY membership card brings special benefits at Teboil service stations, including a discount of 2 cents per litre of petrol or diesel fuel and 10 per cent off the price of lubricants (not applicable to canisters exceeding 10 litres).

Member discounts on fuel and lubricants are available at regular and unmanned Teboil service stations (excluding Express unmanned stations) when paying in cash or by debit card, MasterCard or Visa. If your payment card includes the K-Plussa feature, then you may select the member benefit instead of Plus points at the checkout or vending machine.

You claim the discount by displaying your YTY membership card when paying at the counter or by inserting it first into the vending machine before using your payment card. The discount will be reckoned on current prices at the manned or unmanned service station.

Newsletter

Most YTY communications are currently in Finnish, but we have an English language newsletter twice a year.

Eckerö Line

Members of YTY enjoy a 10 per cent discount for advance booking of normal price travel. Please quote service code aKava when booking. The member discount is available only to members with a current YTY membership card, which must be displayed at embarkation check-in.

Check the website at www.eckeroline.fior call +358 60 004 300 (EUR 1.75 per call+ local call charge).

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Membership fee 2013

The membership fee in 2013 is 22,25 € / month (267 € / year). Membership of the IAET-unemployment benefit fund is included.

The membership fee is fully tax deductible. YTY informs the tax authorities directly of each member’s individual payments. For new members the standard method of payment is 4 invoices per year. Below is listed alternative paying methods. In order to change the amount of invoices per year please contact us: yty@yty.fi or tel. (09) 2510 1320.

invoiceIf you have chosen to pay your membership fee by yourself, an invoice will be sent to your home address once or four times per year according to your choice.

e-invoiceYou will receive invoices in Netbank either once or four times per year or monthly. All you need to do is to check the invoice information and confirm it. Make an agreement on e-Invoice in your Netbank (invoicer: Yksityisalojen Esimiehet ja Asiantuntijat YTY ry)

direct debitMembership fee will be debited from your bank account either once or four times per year or monthly. Make an authorisation for direct debit in your Netbank.

from salaryMembership fee is deducted directly from a member’s salary. Ask us for the mandate form and deliver it to your salary department. You will need to send a copy of the mandate back to YTY.

bank account number iban bic

Danske Bank 800010 – 1049866 FI44 8000 1001 0498 66 DABAFIHH

Nordea 157530 – 15559 FI11 1575 3000 0155 59 NDEAFIHH

Osuuspankki 554128 – 25842 FI645541 2820 0058 42 OKOYFIHH

E-invoice

– the easiest

option

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Special membership subscription rates

The membership subscription may be reduced on application by 50 per cent of the normal rate if the member has no earnings or equivalent compensation, for example

due to unemployment, family leave, job alternation leave, studies or long-term sick leave. Membership subscription reductions may be granted for periods of not less than three full calendar months. E-mail yty@yty.fi for a discretionary subscription rate application form.

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Retired members

Members who have permanently ceased working, for example due to retirement on unemployment or old-age pension, may remain in the union as retired members of YTY.

A retired member retains nearly the same benefits as a regular member. Retired members are no longer enrolled in the unemployment fund, but the If leisure time accident and travel insurance included in membership remains in force until the end of the year when the member reaches the age of 68 years.

Membership fees

The annual membership fee for a retired member in 2013 is EUR 69, invoiced in a single instalment.

membership, benefit or discount included not included

Unemployment fund membership •Legal advice on employment •Leisure time accident insurance* •Leisure time travel insurance* •Liability and legal aid insurance •If insurance discounts for members •YTY holiday chalets •Teboil discounts •Other benefits and discounts •

* coverage for members living permanently in Finland for more than 6 months of the calendar year

Applying for retired membership

An application for retired membership may be submitted as an informal written request by e-mailing yty@yty.fi or faxing +358 9 251 01399. The application must specify resignation from the iaet unemployment fund as of the date on which retired membership takes effect.

example of application:“I would like to apply for retiredmembership of YTY as of dd.mm.yyyy.I also resign from membership of theIAET unemployment fund as of thesame date.”

Signed with name and address.

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Membership in abeyance

A member who is temporarily living abroad and no longer covered by the social insurance system of Finland may continue with YTY membership in abeyance for a membership fee of EUR 2 per month. Members in abeyance may approach YTY for advice and guidance, and receive the YTY magazine at a designated home address abroad. Membership in abeyance does not include membership of the unemployment fund. A member in abeyance also receives a membership card that is valid

for discounts negotiated by YTY. All other membership benefits are suspended while membership remains in abeyance.

Please note that travel and leisure time accident, legal aid and liability insurance coverage is suspended while membership remains in abeyance.

Please contact the YTY office if you would like to place your membership in abeyance.

Membership register

Be sure to notify us at once of any changes in your workplace or contact details. You can notify changes by e-mailing yty@yty.fi or tele-phoning +358 9 251 01320.

the details recorded in the membership register include:• surname and first name(s)• identity number• home address

• home and personal mobile telephone number• work and business mobile phone number• e-mail address• job title and status• education• employer, business sector and address of establishment• employer’s federation membership• manner of membership fee payment• account number for membership fees paid by electronic invoicing or direct debit

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Federation of Professional andManagerial Staff (YTN)

As AKAVA’s collective bargaining organisation for the private sector, YTN is responsible for activities relating to negotiations and contracts for AKAVA’s field members in commercial, service and industrial sectors.

One of YTN’s prime objectives is to improve the earnings level and conditions of employment of professional and managerial employees by, among other approaches, strengthening contractual activities.

YTN’s main objectives

• Strengthening contract activities in all contracting sectors• Identifying the personnel group of managerial and professional staff in all labour legislation• Ensuring equal representation of personnel representatives

• Improving the operational framework for personnel representatives (use of time, access to information, authority to act)• Comprehensive coverage of the application of Finland’s Working Hours Act and payments for working hours under the provisions of the Act• Obtaining payment for work-related leisure-time travel• Ensuring practical implementation of Finland’s Act on Cooperation Within Undertakings• Promoting the use of working-hour banks• Enhancing official monitoring of enforce- ment of Finland’s Working Hours Act• Safeguarding the earnings level of managerial and professional staff• Developing occupational safety and health• Pursuing equitable tax policy, equality in unemployment benefits and social security, and improved employment protection

Lobbying

One important function of YTY is to promote and oversee the common interests of its members at work and in society more generally. YTY shares this collective lobbying function with the Confederation of Unions for Professional and Managerial Staff in Finland – Akava and with the Federation of Professional and Managerial Staff – YTN, which lobbies for private sector employees belonging to Akava-affiliated unions.

Work on behalf of individual members involves providing employment advice, legal services, and various advisory materials. Members may also approach YTY for advice on salary standards, or consult the YTY legal department for technical assistance with aspects such as employment contracts, non-disclosure and restraint of trade agreements.

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Activities at the workplace

Enterprise staff association

Many companies have a local staff association operating at unit, enterprise or Group level. The role of such an association includes defending the employment-related interests of their members. Enterprise staff associations have a registered independent legal identity, meaning that they may enter into binding local agreements and collective agreements on behalf of their members. We recommend membership of any YTN-affiliated enterprise staff association operating at your workplace.

Staff representatives

Staff representatives include the elected representatives of senior salaried employees, shop stewards and other representatives elected to positions of trust, staff liaison officers, and representatives elected under the Employment Contracts Act. The elected representatives of senior salaried employees may belong to any YTN-affiliated trade union, including YTY, but will represent all senior salaried employees working in the represented staff group regardless of trade union membership. A staff liaison officer also serves as a link between YTY and its members and affiliated staff associations at the workplace.

Managers and Specialists in thePrivate Sector YTYRatavartijankatu 2, 00520 Helsinkiyty@yty.fi

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Guide for members 2013 content

Dear member ....................................................................................................3Membership card ...............................................................................................3

Help in various employment situations ........................................................3Unemployment benefit and fund membership .................................................5

Membership and employment condition .....................................................5Insurance benefits ..............................................................................................6

Leisure time accident insurance ....................................................................6Legal expenses insurance ...............................................................................7Insurance cover .............................................................................................8Other insurance benefits provided by If to YTY membes .............................8

Holiday homes ..................................................................................................9A-lomat holidays ...............................................................................................9Jäsenedut.fi ......................................................................................................10Hotel discounts ...............................................................................................10

S-Group hotel offers ....................................................................................10Tallink Silja ......................................................................................................10Eckerö Line .....................................................................................................11Teboil ...............................................................................................................11Newsletter ........................................................................................................11Membership fee 2013 ......................................................................................12

Special membership subscription rates ........................................................13Retired members .............................................................................................14

Membership fees .........................................................................................14Applying for retired membership ................................................................14

Membership in abeyance .................................................................................15Membership register ........................................................................................15Lobbying .........................................................................................................16Federation of Professional and Managerial Staff (YTN) ..................................16

YTN’s main objectives ................................................................................16Activities at the workplace ...............................................................................17

Enterprise staff association ..........................................................................17Staff representatives .....................................................................................17

Managers and Specialists in the Private Sector YTYRatavartijankatu 2

00520 HelsinkiTel. (09) 2510 1310Fax (09) 2510 1399e-mail: yty@yty.fi

internet: www.yty.fi

photos Fotolia.com and YTYs archive layout Viestintänetti Oy, Jyväskylä print Forssa Print Oy