Prestaciones contributivas – Incapacidad Permanente

Cuando un trabajador, después de haber estado sometido a tratamiento médico, normalmente en situación de incapacidad temporal (en ningún caso, podrá rebasar los 30 meses siguientes a la fecha en que se haya iniciado la incapacidad temporal), presenta lesiones graves, previsiblemente definitivas, que disminuyan o anulen su capacidad laboral, puede iniciar el proceso necesario para obtener una pensión por incapacidad permanente.

El procedimiento puede iniciarse a petición del trabajador afectado, o su representante legal; de oficio por propia iniciativa del INSS; como consecuencia de una petición de la Inspección de Trabajo y Seguridad Social o del Servicio de Salud competente; o a petición de las Mutuas de Accidentes de Trabajo y Enfermedades Profesionales de la Seguridad Social, de las Mutualidades de Previsión Social, o de las Empresas colaboradoras en los asuntos que les afecten directamente.

Cuando el servicio de salud correspondiente haya puesto a disposición del INSS el historial clínico de la persona afectada, actúan los Equipos de Valoración de Incapacidades, cuya función consiste en:

  • Examinar la incapacidad de la persona afectada.
  • Formular y elevar al Director provincial del INSS un dictamen propuesta acompañado de un informe médico, un informe de antecedentes profesionales y los informes de alta y cotización.

El dictamen propuesta deberá:

  • Indicar el grado de incapacidad permanente.
  • Determinar el plazo a partir del que se podrá instar la revisión de la misma.
  • Determinar la procedencia o no de la revisión por posible mejoría, en un plazo igual o inferior a dos años (requisito imprescindible para posibilitar la reserva del puesto de trabajo durante dos años desde la fecha de la resolución por la que se declara la incapacidad permanente).
  • Determinar el carácter común o profesional de la causa de la invalidez permanente.

Para poder beneficiarse de las prestaciones económicas por incapacidad permanente es preciso reunir los siguientes requisitos:

  • Presentar un cuadro de lesiones propio de esta situación.
  • Estar en alta o situación asimilada, excepto si la incapacidad se presenta como consecuencia de un accidente de trabajo o enfermedad profesional, en cuyo caso se considera que el trabajador está en situación de alta.
  • Acreditar un determinado período mínimo de cotización, salvo si se debe a un accidente, laboral o no laboral, o a enfermedad profesional, en cuyo caso no es preciso acreditar período alguno.

No se reconocerá el derecho a las prestaciones de incapacidad permanente, cualquiera que sea su origen, cuando el beneficiario, en la fecha del hecho causante, tenga la edad (65 años cumplidos) y reúna todos los requisitos para acceder a la pensión de jubilación ordinaria en el sistema de la Seguridad Social.

Las pensiones de incapacidad permanente, cuando sus beneficiarios cumplan los 65 años, pasarán a llamarse pensiones de jubilación, sin que este cambio de nombre implique modificación alguna de las condiciones de la prestación que viniese recibiendo.

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