Through Social Security, the Spanish welfare system provides sufficient protection against risky circumstances for both contributing and non-contributory benefits. Benefits from the Social Security system that do not depend on a minimum amount of your labor are known as non-contributory benefits.
Thus, those are universal benefits that are given to anyone who meets the requirements, regardless of how much they have contributed to the welfare system in Spain. The non-contributory disability pension, or NDP for short, ensures that all citizens who require financial, medical, or social services support and are disabled can receive a pension regardless of their Social Security contributions.
How to Claim Your Disability Pension in Spain
Regardless of whether they have paid Social Security or have not paid enough, all retired, disabled, and needy individuals are permitted to receive financial benefits, free medical and pharmaceutical care, and other social services. The non-contributory retirement pension is only available to those who are 65 years of age or older, reside in Spain, and have lived here for at least 10 years during the previous 16 years and at the time of accrual (two of those years must be consecutive and immediately before the application date).
You must be over 18 and under 65, live in Spain and have lived there for at least five years, including the two years right before you applied for a pension, have a disability (as determined by specialists) that is rated at least 65%, and not have enough money to cover your expenses to be eligible for disability allowance (physical, psychological, or sensory disability). Read the following post to know more.
Type of Disability Pension in Spain
The following are the types of Disability Pension in Spain:
Partial Permanent Disability
This type of disability is covered by Social Security indemnity, which covers the effects of the disability that affects the individual, but does not stop them from performing their normal job. The consequences reduce normal performance by less than thirty-three percent for the typical occupation. The consequences of a partial permanent impairment and examples of how to compute a pension for a total permanent disability in the usual profession are important to comprehend.
Total Permanent Disability
This level of handicap arises when an employee is unable to carry out all or the most basic duties of their regular profession, even though they may still be employed in another capacity. When someone is completely disabled, they are unable to carry out their regular job or any other type of work activity. It is important to prove that the essential duties of the work cannot be carried out without endangering one’s health or bodily integrity to be eligible for a pension for total permanent disability. Chronic diseases, serious injuries, musculoskeletal illnesses, and incapacitating mental illnesses are a few circumstances that might result in complete and permanent incapacity.
Qualified total permanent Disability
When total permanent disability is attained, qualified total permanent disability is awarded; however, if the pension claimant is unemployed and has trouble finding work, this proportion may rise by 20% once they turn 55. Thus, rather than the 55% offered for IPT, the benefit would be increased to 75% of the existing basis.
Absolute Permanent Disability
A worker who is incapable of doing any trade or profession is awarded the Absolute degree. Because they are deemed incapable of working, they are not capableof performing any kind of work, except occasional labor. To help better grasp this condition, we mention the following diseases that might cause permanent disability: lumbar spondyloarthritis, diffuse systemic sclerosis, brain lymphoma, depression, bipolar disorder, kidney transplant, etc.
Severe Disability
When a worker is unable to accomplish their daily tasks without the help of another person, they are said to have a severe disability. Knowing your rights and rewards is crucial if you find yourself in this circumstance.
How Much Disability Pension Can You Receive?
Partial permanent disability
In the case of partial permanent disability (IPP), the compensation will be equal to twenty-four monthly payments of the regulation base for TPD. The procedure of applying for permanent disability can be complicated; therefore, getting the right guidance is advised.
Total Permanent Disability
Benefit amount for Total Permanent Disability (IPT): 55% of the most recent regulatory base will be used. If your circumstances make it difficult for you to find work in an activity that is different from your typical one, it might be enhanced by 20% if you are over 55. It is a good idea to take into account the consequences and available calculation examples when determining the pension for total permanent disability.
Disability (IPA)
In this situation, the amount is 100% of the most recent regulatory basis; it is also crucial to take into account the particular rights and benefits of people with this kind of disability. Severe Disability (GI): The least pension will be 145% of the regulatory base.
How to Raise Disability Pension Amount?
The pension can be raised by up to 20% in specific circumstances if the impairment results from common, unforeseen circumstances. It’s crucial to refer to specific information regarding this topic, including the circumstances surrounding registration and the contribution needed. Verify whether the handicap resulted from a lack of safety precautions if it was caused by a work accident. In this situation, a 50% increase in the pension amount is possible.
How to Apply for Disability Pension (Pensión de Incapacidad Permanente) in Spain?
You can submit the application &papers for the NDP online or in-person. You can present your papers to any of the following workplaces in your region:
- Oficinas de atenciónciudadana – OAC
- Oficinas de asuntos sociales y families
- Oficinas de atención ciudadana de departamento de trabaji, asuntos sociales y families.
Or if you wish to submit the online claim, always keep one thing in mind that the system will modification based on which region you live in. Find the online platform to submit your application according to your region.