One of the stories that run most frequently around the self-employed is the difficulty they have in accessing certain social protections. The truth is that, with their particularities, self-employed professionals are guaranteed the coverage to which they are entitled for what they quote. This is the case of unemployment when they are unemployed.
Specifically, the self-employed are entitled to the benefit for cessation of activity, its equivalent to the unemployment of employees or salaried workers. The provision appears collected and regulated in the and aims to include the self-employed under the protective action of the body. To do this, you must contribute for cessation of activity (0.8% of the contribution base), something that has been mandatory since 2019 for these professionals.
The self-employed, in addition, must meet certain requirements to be eligible for this benefit. In accordance with the text of the law, they must be affiliated with the Special Regime for Self-Employed Workers (Reta), be up to date with Social Security payments, not be of ordinary age to be entitled to a contributory retirement pension, and be in a legal situation of cessation of activity and sign an activity commitment.
To be in a legal situation of cessation of activity, the self-employed must be able to demonstrate that said cessation occurs “due to the concurrence of economic, technical, productive or organizational reasons that determine the infeasibility of continuing the economic or professional activity”. This implies losses of at least 10% of the income for that same year, execution of debts that mean at least 30% of the income of the previous year or judicial declarations of insolvency.
In addition, for the self-employed with establishments open to the public, the professional is obliged to close said premises while receiving the benefit, although they may enjoy their use provided they do not carry out acts that imply an economic activity within them.
How much do the self-employed have to contribute to collect unemployment
However, one of the most important requirements is the one that concerns the minimum contribution period that the self-employed must have in order to receive the benefit for cessation of activity. At a minimum, the self-employed must have contributed during the previous 12 months to be entitled to the benefit, although he must work more if he wants to see the payment extended for a longer time:
-From 12 to 17 months of contributions: four months of benefit for cessation of activity.
-From 18 to 23 months of contributions: six months of benefit.
-From 24 to 29 months quoted eight months of benefit.
-From 30 to 35 months of contributions: ten months of benefit.
-From 36 to 42 months of contributions: twelve months of benefit, that is, one year.
-From 43 to 47 months of contributions: 16 months of benefit.
-48 months of contributions or more: 24 months of benefit, that is, two years.
The amount of unemployment for the self-employed
The amount of this benefit, (State Public Employment Service) is 70% of the regulatory base, understanding this as the computation of the contribution bases for the last 12 months. Thus, if a self-employed person contributes for the minimum base, which is currently 944.40 euros, he would have a monthly benefit of 661 euros.
Apart from this calculation, the SEPE contemplates a series of regulations by which it determines a minimum amount that cannot be less than 80% of the Iprem (Public Indicator of Income for Multiple Effects), about 451.92 euros per month, and 107 % of the Iprem if the person has dependent children, about 604.38 euros per month.
In addition, the maximum amount of the benefit will be 175% of the Iprem (988.58 euros), 200% of the Iprem (1,129.8 euros per month) for people with a dependent child and 225% of the Iprem (1,271.02 euros per month) with two or more dependent children.
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