Disability pension: how much is charged and what requirements must be met? – The insurance blog

Disability pension: how much is charged and what requirements must be met?

Almost one million people in Spain collect a pension for disability or permanent disability. Its calculation is quite complex and depends on many factors: the reason for the disability, the age of the person affected, their contribution base …

In April of this year, there were in Spain almost . 10 people receiving a disability pension permanent. On average, those affected charge about 993 euros per month, although that figure changes a lot depending on the type of disability.

Of those almost 950. 000 people, the largest group corresponds to employed workers (more of 718. 000), although there are also many freelancers: some 116. 500. They are also the ones who receive the least money on average: 756 euros per month. In general, it is a fairly small payment that does not usually cover expenses and the loss of income that it implies.

What is disability?

When we get sick and they give us medical leave, they sign us a temporary disability. That period in which we are not going to work can last, at most, 545 days. If in that time we have not been able to recover or we still have sequelae, a medical court must evaluate whether to grant us permanent disability or disability .

Thus, they receive a permanent disability pension who, due to an illness or accident, can no longer perform in their work as before or, directly, can no longer work.

How is the disability pension calculated?

There are different degrees of permanent disability, so the same is not always charged. When making the calculation, there is an essential term: the regulatory base . It is an amount that is calculated in different ways depending on many variables: the type of disability, the reason for which it is requested, the contribution base of the affected person (that is, the gross salary) …

Thus, each person will have a disability pension different from that of another. However, there are minimum amounts established in the Decree-Law 46 / 2021 , which apply to certain people (for example, older than 65 years).

To understand it better, we will see the different types of disability that can be requested and how the regulatory base is calculated in each case.

1. Partial permanent disability

It is established when the accident or illness reduces a person's performance by %. That means you can continue working and actually allows you to keep your job.

Amount

A single payment is received with all the money, not a monthly pension. Total, 24 monthly payments of the regulatory base , which is calculated like this:

  1. The contribution base for common contingencies of the month prior to the accident or illness is taken, which appears on the payroll.
  2. This figure is divided by the listed days of the month. If it is a monthly salary, it will be between 30 days. That is the daily regulatory base.
  3. The daily regulatory base is multiplied by 30 days.
  4. Is multiplied by 24 To obtain the full compensation.

Example: A person requests partial permanent disability in the month of April. Its March contribution base was 2010 euros. Divided by 30 for being monthly salary and multiplied by 30. The result is 2010 euros, which are multiplied by 24. In total, you will receive 48. 240 euros in a single payment.

The calculation is a bit more complex when it comes to an occupational disease or work accident, since overtime must also be included during the month or year prior to the accident or illness.

Minimum amount for greater than of the occupational accident regime

  • With dependent spouse: euros per month and 11914 euros per year.
  • With non-dependent spouse: , 6 euros per month and 9164, 4 euros per year .
  • Without Spouse: himself , 7 euros per month and 9665, 8 euros per year.

Requirements

  • You do not have to be old enough to receive a contributory retirement pension.
  • Be affiliated with Social Security and registered. It is also valid to be in a situation assimilated to discharge, that is, it includes unemployed people, on paid vacations or on compulsory leave, for example.
  • In case it is due to common, non-occupational disease, you must have contributions days of the last 10 years.

No minimum contribution time is required in the event that the disability was due to an accident (occupational or not) or professional illness.

2. Total permanent disability

The affected person can no longer return to his position, although he could work in another sector and employment that adjusted to his new conditions s. In this case, the pension will be for life and will amount to a 55% of the regulatory base . Can be extended to 75% if you are older than 55 years, by the difficulty of returning to the labor market.

Amount

The calculation of the regulatory base is complicated. Intricate mathematical operations must be carried out that vary depending on many variables: if it has been due to a common illness or due to a work-related accident or occupational disease, if the affected person is greater or less than 52 years, if it was part-time work …

For example, these are the necessary calculations to set the total permanent disability pension in the case of common illness for a person between 52 Y 65 years:

  1. The contribution base of the last 96 months. The calculation is somewhat complex, because the first 72 months are updated with the consumer price index (CPI).
  2. Divide by 112.
  3. The percentage of the applies %.

To see it better, we will put a fairly simplified example, without taking into account the CPI.

Example: A person carries 10 years working in the same company. Its contribution base has always been 1050 euros per month. By adding the 90 months and divide it by 112, the result is 900. To that amount, the 55%: 495 pension euros per month.

Minimum amounts

  • With dependent spouse: in case of common illness in children under years, 508, 5 euros per month and 7119 euros per year. If it is for people between 60 Y 64 years, 797, 90 euros per month and 11. 170, 60 euros per year. And for those over 65, 832 euros per month and 11. 914 euros per year.
  • With non-dependent spouse: in case of common illness in minors of years, 504 euros per month and 7056 euros per year. If it is for people between 60 Y 64 years, 609, 90 euros per month and 8538, 60 euros per year. And for those over 65, 654, 60 euros per month and 9164, 40 euros per year.
  • Without spouse: in case of common illness in minors of years, 508,5 euros per month and 7119 euros per year. If it is for people between 60 Y 64 years, 645, 30 euros per month and 9034, 20 euros per year. And for those over 65, 654, 70 euros per month and 9164, 80 euros per year.

Requirements

  • You do not have to be old or have the right to receive a contributory retirement pension.
  • Be affiliated with Social Security and registered or in a situation assimilated to discharge.
  • If it is due to a common illness, a minimum number of years of contributions is required, depending on whether you have more or less than 31 years. These minimums can be consulted on the Social Security website.

3. Absolute permanent disability

It means that you can no longer work , so a lifetime disability pension will be necessary for the 100 % of the regulatory base . This percentage may increase in cases of work accidents or occupational diseases due to a lack of respect for hygiene or safety measures.

Amount

Again, the calculation is quite complex and varies greatly depending on the reasons for the disability or whether or not the affected person was registered. For example, the calculation in case of common illness or non-work accident without being registered is the same as in the previous example of total permanent disability.

Example: A person carries 10 years working in the same company and they grant him absolute permanent disability due to a common illness. Its contribution base has always been 1050 euros per month. By adding the 90 months and divide it by 112, the result is 900. In this case, you will receive the 112%: 900 euros per month.

Minimum amounts

  • With dependent spouse: euros per month and 11914 euros per year.
  • With non-dependent spouse: 645, 60 euros per month and 9034, 40 euros per year.
  • Without spouse: 689, 70 euros per month and 9655, 80 euros per year.

Requirements

  • You do not have to be old or have the right to receive a contributory retirement pension.
  • Be affiliated with Social Security and registered or in a situation assimilated to discharge.
  • If it is due to a common illness or non-occupational accident, minimum contribution periods are set according to age. They can be consulted on the Social Security website.

4. Great disability

The last of the types and the most serious. The person needs the help of others to carry out his daily life. Therefore , the pension will be 112% (that is, the same as the absolute permanent disability) and you will have an extra to pay the expenses of the dependence.

Amount:

The disability pension will be the same as for an absolute permanent disability plus a monthly supplement. That complement is calculated like this:

  1. He drink the 45 % from the base minimum contribution that was in force at the time of the illness or accident.
  2. He drink the 30 % of the last contribution base of the worker.
  3. Both figures are added. The result cannot be less than 45% of the pension that you already had as an absolute permanent disability.

Example: A person had a minimum contribution base of 1050 euros when the disability was declared and the last contribution base was euros. The % from those 1050 euros (472, 5) and the 30 % of the 1200 (360 euros) and add: 832,5 euros. And those 832, 5 euros cannot be less than 45% of what you were already charging for absolute disability.

Minimum amounts

  • With dependent spouse: 1276, 50 euros per month and 17871 euros per year .
  • With non-dependent spouse: 981, 96 euros per month and 13746, 60 euros per year.
  • Without spouse: 1034 , 60 euros per month and 14. 484, 40 euros per year.

Requirements:

  • You do not have to be old enough to receive a contributory retirement pension.
  • Be affiliated with Social Security and registered or in a situation assimilated to discharge.
  • A minimum contribution period is set, which depends on the age of the person affected.

The calculation of the disability pension

As you can see, calculating the permanent disability pension is quite complex. It requires taking into account many figures and doing quite a few calculations. However, the result is usually always a fairly small payout. If you are one of those who think about the future, ask our advisers about disability life insurance or take a look at our platform. For very little money, you can be sure that, whatever happens, money will not be a problem for your family.

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