A guide to the social security system in Spain

A guide to the social security system in Spain

All workers (employees, self-employed, domestic workers, etc.) must match the social security system in one of these arrangements are recorded:

• General insurance contribution

• Special social security schemes (agricultural workers, civil servants, seamen, domestic workers, professionals, officials, etc..)

As a regular employee, an employee would be subject to the general contribution rate. In this regime, social securityThe contributions are part of the employer and partly by the employee pays. These payments vary depending on several factors, but the payment of a sum can be average to 37.20% of employees monthly (monthly income more proportional to the amount of additional payments, usually twice a year), of which about 6.40% paid by the employee is evaluated and the remaining 30.80% by the employer. These percentages may vary slightly depending on various factors such as type of contract, in which sectorWork, etc., and from year to year. In essence, the contributions listed as follows: general risks (the lion's share of contribution), work accidents and occupational diseases, unemployment, vocational training and contribute to the wage guarantee fund (used in cases of bankruptcy or company other situations where companies are not able to meet their responsibilities salary). If the employee meets the basic monthly fee (about theirMonthly gross salary) is higher than the maximum value (€ 3,230.10 for 2011), these percentages apply to the maximum number. It 'also important to note that the rights (unemployment, retirement, etc.) is on this basis do not need to reapply with your real wage, if they exceed the maximum limit.

The Social Security system provides protection primarily in the following areas:

a) health care benefits (maternity, general or vocationalIllness and injury)
b) financial support in the following cases: temporal disability, maternity, invalidity, old age, unemployment, death.

To put the financial support under the scheme is available available, it must meet a number of conditions that can vary depending on the specific nature of the coverage. For example, you will receive in retirement, the employee must have attained the age of 65 years and have a minimum 15 years of contributions', of which 2 mustwere in the past 15 years. 1) the base (essentially an average of the last foundations that have made your Social calculated) 2) the applicable percentage based on this legislation used by 50%: The actual amount will depend on the following factors per month for at least 15 annual dues increase to a maximum of 100% for 35 years of contributions.

It is also worth considering that there are plans to change the prevailingRegulations in the near future, although it is not yet clear exactly what these changes.

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