There is a legend that says that self-employed people never get sick or only get sick on vacation, but just like employees, they can find themselves in a situation that prevents them from doing their job, whether due to an occupational disease, an accident at work or a common illness.
In these cases, the self-employed person can collect temporary disability benefits by requesting them from Social Security.
Self-employed workers have the same temporary disability benefits rich people database as workers registered in the General Social Security Scheme, but with some peculiarities.
Obligation to pay contributions: self-employed workers are required to pay contributions for temporary disability due to common contingencies. However, contributions for occupational contingencies of work-related accidents and occupational diseases are optional , except for workers who carry out activities with a high risk of accidents and for economically dependent self-employed workers (TRADE).
Being discharged or in a situation similar to being discharged
Having paid contributions for a minimum of 180 days during the last 5 years. In the case of accidents and occupational diseases, no prior contribution period is required.
Be up to date with your fee payments.
«In the case of self-employed workers, the contribution for temporary disability due to occupational contingencies is voluntary.»
A very important issue is that the self- employed worker must continue paying contributions even if he or she is temporarily incapacitated.
Amount
The regulatory basis for temporary disability will be the self-employed worker's contribution base for the month prior to sick leave , divided by 30. Most self-employed workers pay the minimum contribution base and temporary disability benefits are very low, which is why they are usually supplemented with private insurance to cover them in the event of sick leave.
In the case of common illness or non-work-related accident, 60% from the fourth to the twentieth day of the leave and 75% from the twenty-first day.
In the event of an accident at work or occupational disease, 75% of the regulatory base from the day after the sick leave, provided that the self-employed person has opted for coverage for occupational contingencies. It applies after 30 days; it cannot be requested and then the next day one falls ill.
Apply for temporary disability
In addition to meeting the general requirements, the self-employed worker must notify Social Security of his/her termination and the status of the activity (indicating who will manage his/her business or, where appropriate, the temporary or permanent cessation).
The self-employed person has a period of 15 days to notify Social Security of his/her situation.
Steps to follow
You must have a sick leave certificate (either from the corresponding mutual insurance company or from Social Security), which states the reason why you cannot work.
The self-employed person must then fill out a form: “application for temporary disability ”. Along with this application, the DNI or passport must be provided, as well as proof of payment of the contributions during the last 2 months, in addition to the sick leave certificate.