The question of how much does a sick self-employed earn It is very recurrent in our country, since this type of professional receives a somewhat different treatment from that of an employee. While the latter can be replaced in their work, a freelancer completely cuts off their activity during sick leave in most cases, because they are the only ones responsible for managing the business.
For this reason, it is important that all self-employed workers are aware of the payment of sick leave, as well as all the factors that influence when determining this amount. In any of the cases, we recommend having the best Insurance such as the ones we offer in euroteide Insurance, to guarantee protection against possible events in the professional and private life of the self-employed person.
Do freelancers charge for a leave?
Before going into detail with the subject of the article, it is important to clarify whether self-employed workers receive any amount during a time off. In a case of illness or incapacity for work, the self-employed person has his labor rights like any other professional, so they do have the right to charge for their cancellation.
For this, and except in cases of work accidents, there is a need to have a minimum of 180 days quoted before leaving. If you meet these requirements, you will be able to receive certain amounts throughout this period, so it is important to have this information so as not to lose the collection of your benefits.
It is important to point out that the withdrawal and the cessation of activity are not the same. The latter refers to the benefit received by the self-employed who have previously contributed and finish a business, something quite similar to the unemployment of salaried workers. For its part, the sick leave benefit ends once you return to the activity, which is not terminated due to the particular condition of the self-employed person.
How is the sick leave of a self-employed worker calculated?
In addition to the reason for the withdrawal, the amount to be received depends on the regulatory base applied in the previous month. let's see how calculate self-employment sick leave depending on the particular case:
- If we are faced with a sick leave caused by an accident at work or occupational disease, the benefit is 75% of the regulatory base of the self-employed person, and is accrued from the day after the discharge is certified.
- If the drop is caused by a common disease, the benefit is not accrued until the 4th day of sick leave. From the 4th to the 20th day, 60% of the regulatory base will be charged, and 75% of the same from the 21st day.
We understand the regulatory base as the base at which the self-employed person contributes in the month prior to the leave, divided by 30. After 12 months of leave, an extension could begin to be treated as incapacity for work.
Example of calculating sick leave for a self-employed person
To understand How much does a self-employed person earn on sick leave?, we will see an example that uses the minimum base of 960,60 euros per month. In the event that your leave is caused by an accident at work or an occupational disease, the benefit would be equivalent to 75% of this base, which results in an amount of 720,45 euros.
On the other hand, if the leave is due to a common illness, the benefit will be lower during the first month, specifically 576,36 euros. From the second, he would charge the same fee as in the previous case, 720,45 euros.
Types of sick leave that can be requested by the self-employed
As we showed in the previous section, the reason for leaving is fundamental when determining the amounts and the accrual of the benefit. Therefore, we will deal in depth with the three different concepts in which a self-employed person can apply to leave.
Leave due to work accident
The accident at work must have occurred during the course of the work. self-employed professional activity, or in some situation that is related to it, such as an accident on the way to the office.
As of January 1, 2019, the self-employed must be, by obligation, up to date with all your payments if they want to request leave due to an accident or work-related illness, taking advantage of the professional contingency quotas. This contribution is currently only voluntary for new self-employed workers who are still receiving the flat rate bonus.
It is less common than the other possibilities, since it refers to the diseases contracted by a worker as a direct consequence of the development of their activity. A medical professional must establish the direct relationship between the contraction of the disease and the activity performed, and this option will only be considered if we are in one of the following groups:
- Diseases caused by biological, chemical or physical agents.
- Diseases caused by carcinogenic agents.
- Diseases caused by inhaling substances and/or agents not established in the previous sections.
common sick leave
Collect all diseases whose contraction does not have a direct relationship with the professional activity, from the least aggressive to the most serious.
Do I have to pay the monthly self-employment fee during sick leave?
While a self-employed person receives the benefit corresponding to a sick leave, he will only have to pay the fee during the first two months. After 60 days, you are exempt from paying this monthly amount, despite the fact that the professional continues to quote normally. Previously, the fee had to be paid for the entire duration of the leave, so it is important to know this variation to avoid possible confusion.
Now what do you know When is self-employment paid? and the factors to take into account to calculate its amount, you will have no problem when requesting this benefit, in case you have to stop your activity due to illness or accident at work.
Remember that at Euroteide Seguros we help you to obtain the best conditions according to your particular situation. Do not hesitate to contact us to receive specialized advice on key products such as Car insurance, life insurances o temporary work disability insurance for freelancers.