A Guide to Social Security in Spain

All workers (employees, self-employed, domestic workers, etc.) must match the system of social security schemes are reported as follows:

• Overhaul the system

Security System

• Special schemes of social security (farm 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 scheme, social security costsin part by the employer and partly paid by the employee. These payments are, depending on various factors, but the deposit can be monthly average 37.20% of employees (salary monthly Pro share of the additional payments, usually 2 per year), which is paying about 6.40% estimated by the employee and the remaining 30.80% by the employer. These percentages may vary slightly depending on various factors like the type of contract, in which field you are working etc.and from year to year. In essence, the articles specified as follows: general risks (the lion's share of the premium), work accidents and occupational diseases, unemployment, vocational training and contribute to the wage guarantee fund (in the cases of companies use the bankruptcy or other situations where firms are not able to meet their responsibilities salary). If the worker a monthly basis (roughly, their monthly gross earningsContent) that the maximum amount (€ 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 must, in turn, does not correspond to the actual content that they refer this to the ceiling.

The social security system provides protection primarily in the following areas:

a) Health care (maternity, occupational diseases and common orAccidents)
b) financial support in the following cases: temporal disability, maternity, invalidity, old age, unemployment, death.

To make use of financial assistance under the scheme are available, must be a number of conditions that vary depending on the specific nature of the coverage met. For example, in the case reached the retirement needs of workers aged 65 years and have a minimum of 15 years of contributions, of which 2 have been within thelast 15 years. 1) the legal basis (essentially as the average of the bases last case in which the contributions are paid) 2) the applicable percentage applied to the regulatory basis of 50%: The actual amount varies monthly according to at least 15 years of contributions to increase to a maximum of 100% for 35 years of contributions.

It should be noted also that there are no plans to change the current regime inthe near future, although it is not yet clear exactly what these changes.

A Guide to Social Security in Spain

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