Temporal disability, or Labor LowIt is the situation in which a worker, due to a disease or accident, is incapacitated to work. During this period, you have the right to receive an economic benefit whose objective is to alleviate the lack of income derived from this impossibility of working. Despite this, one of the most frequent questions about it isHow much is charged And who pays?
The amount that a worker perceives while Medical Low It depends on two factors that are the origin of the contingency and the time elapsed since the temporary disability began. In account to the origin of the contingency refers to the reason that gave rise to the decline and that can be due to professional work or accidents (which have occurred during the work or derive from this) or those that are not related to the work.
Medical Baja Amount by common contingencies
In these cases, temporary disability benefit It does not start charging until the fourth day. That is, during the first three days no amount is perceived. As for the amount, this depends on the duration of the decline:
- From the fourth day until day 20, 60 % of the regulatory base is charged.
- As of day 21, 75 % of the regulatory base is perceived.
The Regulatory base It is the result of dividing the amount of the worker’s contribution base in the month before the start of the decrease due to the number of days to which said price corresponds. That is, as a general rule it will be 30 days, but if you have a daily salary, it will be done for the day number that you have the month, which can be 28,29.30 or 31.
Now, it is convenient to review the collective agreement, since it depends on this, it is possible that the casualties for common contingencies are paid from day one, as well as the possibility of charging 100% and not between 60% and 75%, such as marks the social security regulations.
The Duration is 360 days, although 180 days can be increasedin the event that there is the improvement of the patient. In the case of not, it is possible that they initiate or initiate a request for the recognition of permanent disability.
Medical Baja Amount for Professional Contingencies
In cases where the disability derives from an accident at work or a professional illness, the decline will begin to charge from day one charging 75% of the regulatory base.
In this case, the regulatory base is calculated by adding the contribution base for professional contingencies of the previous month, excluding overtime, divided by the number of days to which said contribution corresponds. In the case of taking overtime during the year before the decline, it must be divided by 365 (or by the days of high in the company if the worker has been less than a year), excluding the month in which the low.
WHO PAYS THE LOW
The person responsible for paying the benefit depends on the origin of the decline and the time elapsed. In the event that it was for common contingencies, from day 4 what is when you start charging Until day 15, corresponds to the company pay it by what is known as “delegated payment”, Which means that the businessman advances the money and then this is discounted from the contributions that must enter social security. From the 16th, the responsibility of the payment falls to the National Institute of Social Security (INSS) or in the mutual collaborator that has the contingency, depending on the case.
In cases of Professional contingencies will be responsible for payment from day one, the INSS or the mutual collaborator with Social Security.
Maximum amount
The maximum amount of temporary disability benefit is limited by the maximum contribution base established in the General Social Security Regime. By 2025, this maximum base has been set in 4,909.50 euros per month.