Contributivas

En su modalidad contributiva, el campo de aplicación de la Seguridad Social comprende a todos los españoles y los extranjeros que residan o se encuentren legalmente en España, ejerzan su actividad en territorio nacional y sean trabajadores por cuenta ajena, trabajadores por cuenta propia o autónomos, socios trabajadores de cooperativas de trabajo asociado, estudiantes o funcionarios públicos, así como a los familiares o asimilados que tuvieran a su cargo.
La modalidad contributiva se organiza en distintos regímenes, en función de la actividad realizada por las personas incluidas en el campo de aplicación:

  • El Régimen General incluye a los trabajadores por cuenta ajena de la industria y de los servicios, con la excepción de los que desarrollan actividades profesionales comprendidas en alguno de los regímenes especiales. En el Régimen General se han integrado los antiguos regímenes especiales de Artistas, Trabajadores Ferroviarios, Representantes de Comercio, Profesionales Taurinos y Jugadores Profesionales de Fútbol, que mantienen algunas características especiales en materia de cotización y prestaciones.
  • Los Regímenes Especiales actualmente existentes son los siguientes:
    • Agrario.
    • Trabajadores del Mar.
    • Trabajadores Autónomos. En este régimen está integrado el antiguo régimen especial de Escritores de Libros,
    • Empleados de Hogar.
    • Minería del Carbón.
    • Seguro Escolar.
  • Los Funcionarios Públicos están protegidos por la Mutualidad de Funcionarios de la Administración Civil del Estado (MUFACE), la Mutualidad de Funcionarios de la Administración Local (MUNPAL) y la Mutualidad de Funcionarios de la Administración de Justicia.
  • Las prestaciones por desempleo son gestionadas y controladas por el Instituto Nacional de Empleo (INEM), salvo para los trabajadores incluidos en el Régimen Especial de Trabajadores del Mar, en cuyo caso la gestión corresponde al Instituto Social de la Marina.

Las prestaciones del Sistema de la Seguridad Social en la modalidad contributiva son las siguientes:

  • Asistencia sanitaria.
  • Prestaciones farmacéuticas.
  • Subsidio por incapacidad temporal.
  • Subsidio por maternidad.
  • Pensiones por incapacidad permanente.
  • Indemnización por lesiones permanentes no invalidantes.
  • Subsidio de recuperación.
  • Prestaciones familiares por hijo a cargo.
  • Pensión de jubilación.
  • Protección por muerte y supervivencia.
  • Prestación por desempleo.

Se entiende por prestaciones al conjunto de medidas que pone en funcionamiento la Seguridad Social para prever, reparar o superar los estados de necesidad derivados de la actualización de ciertas contingencias.

Condiciones de acceso

Para tener derecho a la prestación económica se deberá haber efectuado las siguientes cotizaciones a la Seguridad Social:

  • Si el trabajador está en alta o situación asimilada a la de alta, la incapacidad se debe a una enfermedad común, y tiene menos de 26 años, la mitad del tiempo transcurrido entre la fecha en que cumplió los 16 años y la fecha del hecho que da origen a la pensión; Si tiene 26 o más años, la cuarta parte del tiempo transcurrido entre la fecha en que cumplió los 20 años y la del hecho causante de la pensión, con un mínimo de 5 años. La quinta parte de este período mínimo deberá estar comprendida dentro de los 10 años inmediatamente anteriores . Si la incapacidad es consecuencia de un accidente o una enfermedad profesional, no se exige ningún período de cotización.
  • Si el trabajador no está en situación de alta o asimilada, y la incapacidad está motivada por una enfermedad común, o un accidente no laboral, deberá acreditar 15 años de cotización, de los cuales al menos la quinta parte debe estar comprendida dentro de los 10 años inmediatamente anteriores al hecho causante.

La cuantía de la pensión es el 100% de la base reguladora, más un 50% destinado a hacer frente a los gastos que supone la necesidad de contar con otra persona. El incremento del 50% puede sustituirse, a petición del interesado o de sus representantes legales, por su alojamiento y cuidado a cargo de la Seguridad Social.

El cobro de una pensión de gran invalidez no impide el ejercicio de aquellas actividades, lucrativas o no, compatibles con su estado, que no representen un cambio en su capacidad de trabajo a efectos de revisión.

Si se realizan trabajos susceptibles de inclusión en alguno de los regímenes de la Seguridad Social, tiene la obligación de darse de alta y cotizar; por tanto, el trabajador debe comunicar a la entidad gestora competente (INSS) el inicio de cualquier actividad por cuenta propia o ajena.

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