Prestaciones contributivas – Incapacidad Permanente Absoluta

Es aquélla que inhabilita por completo al trabajador para toda profesión u oficio.

Los requisitos necesarios para tener derecho a la concesión de la prestación económica son los siguientes:

  • Cuando la invalidez está motivada por enfermedad común y el trabajador está en alta o en situación asimilada:
  • Tener menos de 65 años.
  • Si el solicitante tiene menos de 26 años, debe haber cotizado la mitad del tiempo transcurrido entre la fecha en que cumplió los 16 años y la fecha del hecho causante de la pensión.
  • Si tiene 26 años o más, 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 dicho período mínimo deberá estar comprendida dentro de los 10 años inmediatamente anteriores al hecho causante.
  • Si la invalidez deriva de un accidente, sea o no laboral, o de enfermedad profesional, no se exige período de cotización alguno.

Si el trabajador no está en alta, ni en situación asimilada a la de alta, y su incapacidad se debe a enfermedad común o accidente no laboral, debe tener cotizados 15 años de los cuales, o tres años dentro de los últimos 10 años.

La cuantía de la pensión es del 100% de la base reguladora. El cobro de esta pensión no impide el ejercicio de aquellas actividades, lucrativas o no, compatibles con el estado del trabajador, 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, existe la obligación de alta y consiguiente cotización, debiendo el trabajador comunicar al INSS el inicio de cualquier trabajo, sea por cuenta propia o ajena.

Cómo se calcula la base reguladora

  • Si el beneficiario está en alta o situación asimilada, la base reguladora se calcula aplicando íntegramente las reglas anteriores.
  • Si no está en situación de alta o asimilada, y el origen es una enfermedad común o accidente no laboral, la base reguladora se calculará aplicando las reglas señaladas anteriormente para el caso de la incapacidad permanente total derivada de enfermedad común, con excepción de la norma especial relativa al supuesto en que la carencia exigida sea inferior a 8 años que, en este caso, no puede darse, al exigirse siempre un período mínimo de cotización de 15 años.

Y, finalmente, en el caso de gran invalidez, la base reguladora se calcula aplicando las reglas indicadas para la incapacidad permanente absoluta.

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