Despite the peculiar nature of their Social Security regime, self-employed workers are protected against situations as different and at the same time common as temporary or permanent disability, retirement… and unemployment. Or what is the same: no matter how much the contrary is believed, the self-employed have the right to their particular unemployment. Of course, they must meet a series of requirements.
Unemployment of the self-employed is the benefit for cessation of activity, which appears regulated in the , where it is explained that “it is part of the protective action of the Social Security”, which is mandatory and whose objective is to provide the self-employed “benefits and measures” in these situations of cessation of activity, which may be permanent or temporary.
Thus, it is necessary to clarify what these situations of cessation of activity are to know if the self-employed person has the right to unemployment. They appear in article 331 of the General Social Security Law and are the following:
– In cases of concurrence of economic, technical, productive or organizational reasons that cause the cessation of economic activity. This occurs in case of losses of at least 10% compared to the income of the previous year or with debts that represent 30% of that income or bankruptcy declarations.
-For cases of force majeure that give rise to the cessation of the activity.
-For cases of loss of administrative license, as long as it is not due to criminal offenses and implies the cessation of the activity.
-For cases of gender violence that are decisive in the cessation of the activity.
-For cases of separation or divorce with a judicial resolution for when the self-employed person performs “family support functions in the business of his ex-spouse or of the person from whom he has separated”.
This is what you have to quote
Although proving the legal situation of cessation of activity is key to being able to collect the aid, the self-employed must also meet other requirements: be registered with Social Security, be up to date with payment of contributions, not have retirement age and meet the listing requirements.
These contribution requirements determine, in turn, what will be the maximum duration of the benefit for cessation of activity and the minimum contribution period to be unemployed: one year. When taking these periods into account, attention must be paid exclusively to the contributions for cessation of activity made under the corresponding scheme, provided they have not been computed for a previous benefit. These are the contribution brackets established by the General Social Security Law.
-If you have contributed from 12 to 17 months, you are entitled to four months of benefit.
-If you have contributed from 18 to 23 months, you are entitled to six months of benefits.
-If you have contributed from 24 to 29 months, you are entitled to eight months of benefit.
-If you have contributed for 30 to 35 months, you are entitled to ten months of benefits.
-If you have contributed from 36 to 42 months, you are entitled to twelve months of benefits.
-If you have contributed from 43 to 47 months, you are entitled to 16 months of benefit.
-If you have contributed 48 months or more, you are entitled to 24 months of benefit.
This is what you charge for cessation of activity
Once the requirements are known, the situations in which it can be received and the period in which it can be collected, the self-employed person only has to know the amount of this unemployment, of this benefit for cessation of activity. The body in charge of these matters, the Public State Employment Service (SEPE), .
As in all benefits, the reference is the worker’s regulatory base, which will take into account the contribution bases of the last 12 months. The benefit for cessation of activity will be 70% of said regulatory base with a minimum amount that cannot be less than 80% of the Public Indicator of Multiple Effects Income (Iprem, which is 564.90 euros per month in 2021) or the 107% in case of having dependent sons or daughters.
There are also limits to the maximum amount of the benefit: 175% of the Iprem in general, 200% of the Iprem if you have a dependent son or daughter and 225% of the Iprem if you have two or more sons or daughters. in charge.
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