The Spanish State is characterized by ensuring the economic well-being of its workers, even when, due to illness or accident, they They will no longer be able to perform the usual tasks at their workplace. . To this end, Social Security grants pensions for permanent disability, the minimum amount of which varies depending on your age and family situation.
However, there may be cases in which the amount does not correspond to your situation, either because years have passed or because your health has worsened. Therefore, Alfonso Muñoz Cuenca, Social Security officialwanted to leave a series of tips on his YouTube channel. “Four recommendations that may possibly serve to improve the amount of your disability pension“.
With this objective, the official begins by explaining the types of permanent disability for which the organization grants said economic benefits, since their amount will vary according to the degree recognized depending on the impact of the injuries or illness for which it has been requested. The person in charge of determining this is the National Social Security Institute (INSS).
Degrees of permanent disability according to Social Security
The first degree is permanent partial disability for the usual profession, which is defined on the ministry’s website as one that “without reaching the level of total, causes the worker a decrease of no less than 33% in their normal performance for said professionwithout preventing it from carrying out its fundamental tasks“. According to the official, the benefits granted for this grade are flat-rate compensation.
In case illness or accidentand disable the person from performing essential functions from his job but, even so, can dedicate himself to another profession, the total permanent disability. They are granted a pension whose amount is 55% of the regulatory base, as Alfonso Muñoz explains.
When the worker loses his ability to carry out any profession or office, we are facing a case of absolute permanent disability. The amount of your benefit will be 100% of the regulatory base “and another important detail is that the amount of this benefit is exempt from personal income tax,” explains the official.
Finally, the INSS can also grant the degree of great disability when the applicant, due to anatomical or functional losses, requires the assistance of another person to be able to carry out the most essential acts of life, that is, feeding, dressing or simply moving. In this case, in addition to the benefit corresponding to the pensioner, they would also receive “a percentage intended to remunerate the person who assists or cares for the beneficiary“.
At age 55, permanent disability pensioners can request a 20% increase
With this information present, the official develops the four keys to increase the amount received in the pension. The first case is very useful for those pensioners due to total permanent disability who have completed 55 years old and not working. As he explains, he may “request a 20% increase” in the pension.
On the other hand, “those permanent disability pensioners who over time have seen reduced work capacity or worsened health statusthey may request a review of their disability due to aggravation.” Thanks to this process, they will be eligible for a increase in your degree of disability and, with this, an increase in the pension received by her.
If the amount does not reach the established minimum, supplements can be requested
The third tip focuses on the minimum amounts of said benefits established by Social Security. This figure will depend on both the degree of disability and the age of the person receiving it, as well as whether he or she has a dependent spouse. In the event that the pension received is less than the minimum established by the organization, what the official recommends is learn about accessories.
These are additional financial aid to the disability benefit and their objective is that those who receive an amount less than the minimum are can be increased. To do this, it is necessary that the annual income is less than the threshold determined by law for each situation and that one legally resides in Spain. Your request can be made electronically at the Social Security electronic headquarters.
Finally, the last piece of advice is directed to those pensioners who have already reached the minimum retirement age. In this case, what Alfonso Muñoz recommends is to request a retirement pension. “In the event that the retirement is of a greater amount, this will be recognized; but in the opposite case, in In the event that the resulting retirement pension is lower, there is no problem because you will maintain the right and the amount of the permanent disability pension”.