They are the most important payment and also the most feared by the self-employed: the payment of the Social Security contributions necessary for the exercise of their activity as self-employed professionals. Amounts that are not paid in vain, since they give the right to certain coverage.
Thus, with the payment of contributions, the self-employed certify their contribution to Social Security in the same way that workers integrated into other schemes do. The coverage that the self-employed are guaranteed is directly linked to the breakdown of the fees they pay month by month.
Social Security: “registering as a self-employed person with Social Security and paying your fee will allow you to access the benefits covered by the system”. Thus, when the self-employed person pays the quotas in different concepts, he ensures that he receives coverage in all types of eventualities outside and within his activity:
-Due to the share of common contingencies, the self-employed are guaranteed protection for cases in which they cannot work due to common illness and non-work accident. The contribution for temporary disability is optional for self-employed workers in the agrarian system.
-For the quota of professional contingencies, the self-employed get coverage when they do not work due to accidents at work or occupational diseases. It is also optional for self-employed workers in the agricultural system and for the self-employed with an inter-cooperative system of benefits.
-Due to the cessation of activity fee, coverage is guaranteed when you do not work for . It is optional for the self-employed with a flat rate, from the agricultural system, with an inter-cooperative system of benefits and religious authorized to collaborate in the management of temporary disability.
-Due to the professional training quota, access to training that helps reintroduce the labor market after stoppages in activity is ensured. As in the previous section, it is not mandatory for the self-employed with a flat rate, in the agricultural system, with inter-cooperative benefit systems and for religious who collaborate in the management of temporary disability.
-In addition, the self-employed are guaranteed the right to coverage for retirement, widowhood, permanent disability, birth and child care or risk during pregnancy or lactation.
What are the fees for the self-employed?
During 2021 the self-employed will pay 30.3% of their contribution base to Social Security. This total quota is derived from the sum of the quota for common contingencies (28.3%), professional contingencies (1.1%), cessation of activity (0.8%) and professional training (0.1%).
The impact, of course, depends on the contribution base for which the self-employed person is listed. It is not the same to quote for a base of 1,000 euros (which would mean a payment of 303 euros) than for one of 2,000 euros (which would imply the payment of 606 euros). The self-employed person can choose any contribution base and change it up to four times a year as long as it is within the minimum and maximum: 944.40 and 4,070.10 euros per month, respectively.
As of 2022, however, . The quotas for professional contingencies and for cessation of activity will rise from 1.1% to 1.3% and from 0.8% to 0.9%, leaving the total quota for the self-employed at 30.6%.
In addition, the minimum contribution base will be raised, for which most of these professionals contribute and which will go from the aforementioned 944.40 euros to 960.60 euros per month.
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