Income support for self-employed workers who stop working

Automatic summary, not yet reviewed

1. It creates a protection system for self-employed workers who totally, temporarily or definitively stop their activity, with a cash benefit and payment of their Social Security contributions for common contingencies, plus training and guidance measures.
2. It covers self-employed workers in the Special Regime for Self-Employed Workers who have professional contingencies covered, including farm workers and workers in the Special Regime for Sea Workers.
3. To receive the benefit, workers must be registered, have a minimum contribution period, be in a legal situation of activity cessation, not have reached retirement age and be up to date with payments. The cessation must be due to causes such as losses, force majeure, loss of a license, gender violencegender violence Violence a woman suffers from a current or former partner because she is a woman., divorce or the end of the contract with the main client.
4. The benefit lasts between 2 and 12 months depending on contributions made in the previous 48 months, and its amount is 70% of the regulatory base, with maximum and minimum limits tied to the IPREM index.
5. The system is funded by a 2.2% contribution and managed by the Mutuas (work accident insurance mutual funds); training measures are managed by regional public employment services or the Instituto Social de la Marina.
6. The law adds special rules: a longer benefit from age 60, a reduction in temporary disability contributions, rules for members of worker cooperatives and self-employed professionals working together, a non-contributory benefit of €425 per month for up to six months, and the option of a lump-sum payment.

Who it affects

• Self-employed workers who stop their activity: They can apply for a cash benefit and Social Security contribution coverage if they meet the requirements.
• Economically dependent self-employed workers: They are entitled to the benefit if their contract with the client they depend on ends.
• Members of worker cooperatives: They can receive the benefit in cases such as wrongful expulsion or cessation for economic reasons.
• Self-employed victims of gender violence: Cessation due to gender violence gives the right to the benefit, and their obligations are eased.
• Foreign self-employed workers: They can renew their residence and work authorization while receiving the benefit.

Words worth knowing

Cese de actividad

Stopping your economic or professional activity completely, either temporarily or permanently.

Mutua de Accidentes de Trabajo y Enfermedades Profesionales

An entity that works with Social Security and manages benefits for the workers it covers.

Base reguladora

The average of the contribution bases used to calculate how much you receive.

IPREM (Indicador Público de Rentas de Efectos Múltiples)

A reference amount the Spanish state uses to set caps and minimums for benefits.

Autónomo económicamente dependiente

A self-employed professional who depends on a single client for most of their income.

gender violence

Violence a woman suffers from a current or former partner because she is a woman.

It summarizes the law as published in the BOE. It is written by artificial intelligence and may contain mistakes: the official text is what counts. Read the official text · How we make summaries