Benefits

The main mission the Spanish Social Security system outsources to mutual insurance companies is the management of healthcare benefits (medical care) and economic benefits (medical leave payments) in cases of occupational accidents and occupational diseases.

Which economic benefits does Asepeyo cover?

We pay our economic benefits for:

  • Occupational accidents and occupational diseases.
  • Temporary disabilities causes by common contingencies.
  • Pregnancy risks and risks when breastfeeding.
  • Care for minors affected by cancer or another serious disease.
  • Unemployment (only for the self-employed).

Occupational accidents and occupational diseases

We manage the procedures and payment of economic benefits to workers pursuant to current law and expand social benefits that affiliated companies can offer their workers through our Social Assistance Service.

As part of our cover for occupational accidents and occupational diseases, we are responsible for the payment of the following benefits:

During medical leaves

As of the day following your medical leave, Asepeyo pays 75% of your regulatory monthly salary base.

We also handle expenses for medication and the necessary travel and accommodation to receive treatment, always under the supervision of the medical service which determines the most appropriate means of transport in each stage of the process.

If a medical leave reaches 12 months, the Spanish National Social Security Institute (INSS) must issue an express opinion in order to grant a 6 month extension and continue with the leave process.

Disabilities following a medical leave (upon a decision by INSS)

Non-invalidating permanent injuries

When a worker has injuries that do not constitute a permanent disability yet reduces their integrity, they are granted a one-time payment as established by the legal scale in effect.

Partial permanent disability

When a worker has long-term physical damage that causes a decrease in the normal performance of their habitual job by more than 33% (or 50% for the self-employed), they are granted a one-time payment which is equivalent to 24 months of their regulatory monthly salary base.

Total permanent disability

When it is impossible for a worker to do their habitual job but they can do a different type of job, they are granted a lifetime pension of 55% the regulatory annual salary base or 75%, in the case of the unemployed over 55 years of age.

Absolute permanent disability

When it is impossible to do any type of paid work, the pension granted is 100% the regulatory monthly salary base.

Major disability

The worker has a right to a lifetime pension, pursuant to the corresponding degree, plus a supplement so the victim can compensate their caretaker for all essential living activities. The sum of the supplement in such case can be determined by adding 45% of the minimum contribution base at the time of the accident and 30% of the last contribution base for the worker’s occupational contingency.

Death and survival

A worker’s death

Asepeyo pays for funeral and burial expenses as well as a lump sum indemnity (a one-time payment). Moreover, the Special Benefits Committeegrants assistance in addition to this benefit. For more information, go to the Social action section.

Loss of spouse

The sum of the pension is 52% of the regulatory monthly salary base (except when the pension is the sole or main source of the pensioner’s revenue).

Orphans

The recognized pension is 20%.

Indemnities for immediate family members (parents, siblings, etc.) who lived with and were dependent on the worker are also granted. If there are several pensioner beneficiaries, the sums expressed herein may be lowered.

Common illnesses and non-occupational accidents

Employed workers (General system)

  • In cases of medical leaves for common illnesses or non-occupational accidents, 60% of the regulatory monthly salary base is paid from the 4th to the 20th day (contribution base for common contingencies the month prior to the date of the medical leave). The company pays the 4th to the 15th day and Asepeyo pays starting on the 16th day.
  • As of the 21st day of leave, 75% of the regulatory monthly salary base is paid.

If a worker is dismissed from a company while on medical leave, the worker will continue collecting throughout the medical leave although the sum will be adjusted to what the unemployment benefit is which is consumed.

Self-employed workers and farmers working on their own behalf (Special system)

  • From the 4th until the 20th day of leave, 60% of the self-employed worker’s regulatory monthly salary base is paid (monthly contribution base divided by 30).
  • As of the 21st day of medical leave, the sum paid is 75% of the regulatory monthly salary base.

Other subsidies

Pregnancy risk

When a pregnant woman works a job that is considered a risk for her health or that of her fetus and the job cannot be adapted or the worker’s position cannot be changed, Asepeyo protects female workers and directly pays the subsidy which is 100% of the regulatory monthly salary base).

Risk when breastfeeding

When the job can affect the woman’s health or her newborn’s health while breastfeeding, Asepeyo will pay the subsidy (100% of the regulatory monthly salary base) until the newborn is nine months old.

Care for minors affected by cancer or another serious disease

This benefit is for workers and the self-employed who are responsible for a minor affected by cancer or another serious disease as established by the law. They may receive it when they need to reduce their minimum working hours by 50%.

Unemployment (only for self-employed workers)

The cease of activity by the self-employed is a specific protection system for self-employed workers who have completely stopped working definitively as per the grounds alleged. *Benefits/subsidies received are subject to the cover contracted with the Social Security Treasury.

Other economic assistance

We promote social aid for workers involved in accidents and their family members. This comprises economic assistance which workers can apply for in times of need as a result of an occupational accident or occupational disease.

They are funded through a budget which is approved by the Spanish Ministry of Employment and Social Security and charged against the social assistance reserve generated by the Mutual Insurance Company.

Visit our section on Social aid.

Who can benefit from this assistance?

Employed workers and self-employed workers may both benefit from this assistance.

Would you like to know about the specific benefits available to you?