Incapacidad Permanente Total

Definición: El trabajador al que se le reconoce la incapacidad permanente total, tiene una reducción en su capacidad laboral que le impide realizar las tareas fundamentales de su trabajo habitual. Esta incapacidad permanente no impide que el trabajador pueda realizar otras actividades laborales, debiendo comunicar a la Seguridad Social la nueva situación.

Beneficiarios: Las personas incluidas en el Régimen General declaradas en situación de incapacidad permanente total, cualquiera que sea la contingencia que la origine, siempre que reúnan los siguientes requisitos:

Hechos causantes:

  • Si la incapacidad permanente surge tras haberse extinguido la incapacidad temporal de la que deriva, bien por agotamiento del plazo, bien por alta médica con propuesta de incapacidad permanente:
    • El hecho causante se entiende producido en la fecha de la extinción de la incapacidad temporal.
    • Los efectos económicos se fijan en el momento de la calificación, es decir, en la fecha de la resolución del Director Provincial del INSS. No obstante, podrán retrotraerse a la fecha de extinción del subsidio de incapacidad temporal, cuando la cuantía de la pensión de incapacidad permanente sea superior a la del subsidio que se venía percibiendo.
  • Si la incapacidad permanente no está precedida de incapacidad temporal o ésta no se ha extinguido:
    • El hecho causante se entiende producido en la fecha de emisión del dictamen-propuesta del Equipo de Valoración de Incapacidades (EVI).
    • Los efectos económicos se fijan en la misma fecha de emisión del dictamen-propuesta.
  • El incremento del 20%, en los casos de incapacidad permanente total cualificada, produce efectos económicos desde la fecha de la solicitud, con una retroactividad máxima de 3 meses, siempre que concurran los requisitos necesarios para tener derecho al citado incremento.

Cuantía: La cuantía de la pensión de IPT se obtiene de aplicar un porcentaje a la base reguladora (BR) que corresponda, según la causa que origine la incapacidad.

Abono:

  • Las pensiones derivadas de enfermedad común y accidente no laboral se abonan en 14 pagas, una por cada uno de los meses del año y dos pagas extraordinarias al año, que se hacen efectivas junto con las mensualidades de junio y noviembre y por el mismo importe que el de la mensualidad ordinaria correspondiente a dichos meses.
  • Si el trabajador tuviese reconocida la Incapacidad Permanente Total, cuando cumpla 55 años o más, se le aumentará un 20% la pensión que viniese percibiendo o que tuviese que percibir. Este aumento no se reconoce a los trabajadores por cuenta propia.

Compatibilidades:

  • De la pensión con el trabajo:
    • En caso de incapacidad permanente total para la profesión que ejercía el interesado o del grupo profesional en que aquélla estaba encuadrada, la pensión vitalicia correspondiente será compatible con el salario que pueda percibir el trabajador en la misma empresa o en otra distinta, siempre y cuando las funciones no coincidan con aquellas que dieron lugar a la incapacidad permanente total.
  • Del incremento del 20% con el trabajo y otras prestaciones. El percibo del incremento del 20% es incompatible:
    • Con la realización de trabajos por cuenta ajena o propia.
    • Y con las prestaciones de Seguridad Social que puedan derivarse de dichos trabajos, como son el subsidio de incapacidad temporal o de maternidad que persiste más allá de la relación laboral o la actividad profesional, o las prestaciones de desempleo que pudieran corresponder por los mismos.

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