Currently self-employed in this country are very difficult to keep their businesses open and not have to see the statistics to realize it. This group of professionals representing a large part of the Spanish business sector is currently facing a fall in the volume of its business, which may even lead to the closure of his business, so now more than ever the need for security increases. In boom years were available capacity to borrow from a bank and out of trouble, or even if it was not excessive to have the support of family or friends, but that we ran.
If this general situation we add a bit of bad luck in the form of an illness or accident that prevents us from working for a long time (and here the term will depend greatly on the interpretation that each of us want to give, according to which activity one month may be little forever and another) have a nice little cocktail. Our pocket will notice as hours worked unless lower income, and just when we need it as a reduction of our income we will have to add the costs incurred by being off work (doctors, medicines, transportation, etc ...).
We must also bear in mind that the higher the sick leave is extended in the longer will be the reduction of income (without the potential loss of customers) and increased expenses resulting in an economic imbalance growing that affect us at least our peace and wishing not the final blow to our company.
The contribution that is received by sick leave Social Security, is totally inadequate, so that as the possibilities of each, is a needed complement. Under the special scheme for self-employed workers to 2,011 this year we have:
Base minimum contribution ...................................................... € 850.20
Minimum Monthly fee € 253.36 ...........................................................
Gross revenue for the first month Social Security ..................... € 501.62
Net income from Social Security first month ...................... € 248.26
Gross revenue for the remaining months Social Security ................ € 637.65
Net income from Social Security other months ................. € 384.29
For your information know that during the first month of sick leave is perceived 60% between 4 ° and 20 ° from the floor and 75% between days 21 and 30 of the contribution base. For self that can be maintained with those generous € 384 a month to keep your business open and deal with their professional and private financial obligations, my most humble congratulations. For other advise you seek a professional specialist in the field and our trust us to study a solution tailored to our particularities.
To keep our standard of living and our family is affected, and to supplement Social Security should take out private insurance off work, known as Temporary Disability Insurance Labor (ILT). Through this we maintain our revenue during the time that we can not exercise our profession to have suffered an illness or an accident.
These low employment guarantee safe daily amount we have contracted for the duration of our absence from work due to illness or accident, or the days we are hospitalized for any of the above causes. When you hire one of these too we must consider the following general recommendations:
1 -. The amount receivable should be one that would meet all our both professional fixed expenses (rent, phone, travel, ..) and personal (loans, electricity, water, schools, ...). We should not hire more amount since by definition insurance should be non-profit but to compensate the damage, in this case the earnings for being off work.
. 2 - Choosing the right franchise to our particular needs. It is a decisive factor is the cheapest final price, since the higher the price of insurance franchise, not necessarily because we purchase insurance without excess. It seems pretty clear when you consider that usually self-employed should consider this insurance to cover their fixed costs in the event of a major accident, if you normally do not catch a cold from the floor and winning more work. We have our backs before the most severe circumstances for us, down month not the common cold.
. 3 - Avoid insurance with scales, and talk about this before but you need to remember and include a recommendation, because if not all businesses are equal or professional, needs or financial obligations are not similar and we compensate by a scale overall, "suggested" by the insurer, it is not as convenient.
. 4 - If we are able to raise over the duration of the year, bearing in mind that for those off work that result in occupational disability, the court of Social Security may take 12 to 18 months to issue its proposal, and all time exceeding 12 months will only receive the Social Security wage.
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