This is one of the aspects that most worries a self-employed person when it comes time to take sick leave, which is largely due to the fact that the amounts they receive in this case are lower than the income they generate working on their own. .

En Drisar Advisors We have the best professionals to guide you in this regard if at any time you suffer from an illness or accident that prevents you from continuing with your activity.

Although being self-employed and disabled due to illness is sometimes incompatible, self-employed are entitled to temporary disability benefits, just as it applies to any worker.

We will explain how much a self-employed person charges for sickness and the conditions under which this right can be enjoyed.

Amount that the self-employed receive due to illness

The amount that the self-employed receive from the benefit changes depending on whether it is an occupational accident, a pathology associated with it, or a common illness. These benefits usually vary between 60% and 75% of the contribution base to which the self-employed person applies..

The self-employed who have accumulated more than 180 days of contributions can access a benefit, as long as they have notified and made the request for withdrawal from Social Security within the stipulated period. The payment of the amount is based on the contribution base applied to the last month before the medical leave.

The percentage of the amounts due to illness is applied as follows:

• If it is an occupational disease or an accident at work, the self-employed person receives the benefit from the day after the leave and is applied to 75% of the regulatory contribution base.
• If leave is requested for a common illness, between days 1 and 4 no type of benefit is accrued, between days 4 and 20 it will be 60% of the contribution base and from day 21 75% is applied

What should I do? Where should I go?

If it is an occupational accident, commuting (in labor law, an accident occurring to the worker while traveling from his home to his place of work, and vice versa) or illness caused by the activity carried out, is called an accident in itinere​. must initially go to the mutual.
At the time of registering as a Self-Employed, we must select which mutual we are going to associate with, and this same mutual is the one we must go to in the event of any accident or illness linked to our work activity.

There are several exceptions, among them the so-called "force majeure" that refer to the proximity to the hospital or its preparation, that is, if we have an accident at work (we fall from a great height and it produces a cut) we are within our right to go to the nearest hospital or health center to avoid greater evils.
It is always important to indicate that the accident has occurred during the development of our professional activity, so that the hospital or center can notify our mutual, and it is this that will be in charge of covering the expenses.

Do you have more questions? In Drisar Advisors We take care of the entire process when similar situations occur in order to guarantee the self-employed the necessary peace of mind and to be able to help in their recovery by exempting them from these tedious procedures.

How much does a self-employed person receive for maternity or paternity leave?

We tell you everything in our next post!

Do you have more questions or do you have more doubts, do not hesitate and contact us We will give you all the guidelines to follow.

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