Losing your job without having accumulated the 360 days of contributions necessary to collect unemployment does not necessarily mean being left without any economic protection. The State Public Employment Service (SEPE) contemplates a subsidy aimed precisely at those who have worked, but have not reached that minimum.
It is about the subsidy for insufficient contributions, the amount of which can begin in 570 euros monthly and whose duration depends on the time contributed and the personal circumstances of the applicant. In certain cases, it is enough to have paid 90 days to be able to access it.
The aid thus allows you to take advantage of contribution periods that are not sufficient to generate a contributory benefit, although to receive it you must meet a series of requirements.
Who can collect the 570 euros from the SEPE
The starting point is to find yourself in legal unemployment situation and not having the right to the contributory benefit due to not having reached the minimum required period.
The necessary contribution changes depending on family circumstances. With family responsibilities, The subsidy can be requested from 90 days quotes. If these responsibilities do not exist, at least 180 days of contributions are necessary.
It is an important difference because the 90 days that can attract attention when knowing the help They do not constitute a general requirement for any unemployed.
The established economic conditions must also be met to access the subsidy.
The aid starts at 570 euros, but then goes down
The 570 euros monthly nor are they necessarily maintained for the entire duration of the subsidy.
The amount is linked to the IPREM and is distributed in sections. During the first 180 daysthe beneficiary can receive 95% of the IPREM, currently 570 euros per month.
Starting on day 181, the amount drops to 90% of the IPREM, equivalent to 540 euros per month. From day 361 it goes to 80%, currently 480 euros per month.
Therefore, talking about an aid of 570 euros per month requires taking into account that this is the initial amountnot necessarily the amount that will be received during the entire period.
How long can you charge?
The duration is also not the same for all beneficiaries.
With family responsibilities, the time during which the subsidy can be maintained depends on the accumulated contributions and can reach, in certain cases, up to 21 months. Without family responsibilities, the recognized period is also conditioned by the months contributed.
The logic is simple: having worked longer before becoming unemployed can extend the duration of protection, as long as the established requirements are maintained.
You can also get paid while you work.
Another peculiarity of the current system is that receiving the subsidy does not always require you to stop receiving it immediately when finding a job.
The aid can be temporarily made compatible with employment through the so-called employment support complementwithin the established limits and conditions.
This allows certain beneficiaries to continue receiving part of the protection while they reenter the labor market.
The deadline to request the subsidy
The deadline is also important. The subsidy for insufficient contributions can be requested during the six months following becoming unemployed.
The moment of submission may affect when the aid begins to be recognized, so it is advisable not to miss the established deadlines.
He subsidy for insufficient SEPE contributions It thus becomes an alternative for workers who lose their job before completing the year of contributions necessary to access contributory unemployment. In some cases, 90 days of contributions may be enough, although family responsibilities, income and other requirements will ultimately determine whether there is the right to collect it.