Prestaciones contributivas – Incapacidad Permanente Total

Se considera que inhabilita al trabajador para la realización de todas, o las tareas fundamentales, de su profesión, pero no para dedicarse a otra distinta.

Para tener derecho a pensión por incapacidad permanente total es necesario:

  • Estar dado de alta en la Seguridad Social o situación asimilada.
  • Tener menos de 65 años y/o no tener acceso a pensión de jubilación contributiva.
  • Si el origen es una enfermedad común, y el trabajador tiene menos de 26 años de edad, deberá haber cotizado a la Seguridad Social la mitad del tiempo transcurrido entre la fecha en que cumplió los 16 años y la del hecho causante de la pensión.
  • Si tiene más de 26 años, debe haber cotizado la cuarta parte del tiempo transcurrido entre la fecha en que cumplió 20 años y la del hecho causante de la pensión, con un mínimo, en todo caso, de cinco años. Además,la quinta parte de ese período mínimo deberá estar comprendida dentro de los 10 años inmediatamente anteriores al hecho causante.
  • Si el origen es un accidente o una enfermedad profesional, no es preciso acreditar período alguno de cotización.

La prestación, que tiene carácter de pensión vitalicia, es del 55% de la base reguladora, complementable con un 20% más si el trabajador tiene 55 o más años, y está en paro. La pensión es incompatible con el desempeño del mismo puesto de trabajo en la empresa. El cobro del 20% añadido al 55% de la base reguladora, es incompatible con la realización de cualquier trabajo, sea por cuenta propia o ajena.

Esta pensión puede sustituirse por una indemnización a tanto alzado, si se solicita durante los 3 años siguientes al inicio de la prestación, si el trabajador tiene menos de 60 años. La cuantía de la indemnización varía. Si el solicitante tiene menos de 54 años al formular la petición, asciende a 84 mensualidades. Si la persona que solicita la indemnización tiene 54 o más años, entonces se aplica una escala descendente, de 12 mensualidades por año.

Edad cumplida – Años

Nº de mensualidades de pensión

Menor de 54 años

84

54

72

55

60

56

48

57

36

58

24

59

12

Cómo se calcula la base reguladora

  • Si es consecuencia de una enfermedad común, la base reguladora es el resultado de dividir por 112 las bases de cotización del interesado, durante los 96 meses inmediatamente anteriores. Las correspondientes a los 24 meses inmediatamente anteriores al hecho causante, se computarán en su valor nominal, y las restantes se actualizarán de acuerdo con la evolución que haya experimentado el índice de precios al consumo (IPC), desde los meses a que dichas bases correspondan hasta el mes inmediatamante anterior a aquél en que se inicia el período de bases no actualizables.
    • Si el período de cotización exigido es inferior a 8 años, la base reguladora se obtiene dividiendo la suma de las bases mensuales de cotización que correspondan en virtud del período mínimo exigible, sin tener en cuenta las fracciones de mes, por el número de meses a que dichas bases se refieran, multiplicando este divisor por el coeficiente 1,1666, actualizándolas como en el caso anterior.
    • Si dentro del período computable para el cálculo de la base reguladora, aparecen meses durante los cuales no haya existido obligación de cotizar, dichas lagunas se integrarán con la base mínima de entre todas las existentes en cada momento para los trabajadores mayores de 18 años.
    • Si el solicitante procede de una situación de prórroga de los efectos de la incapacidad temporal por agotamiento del plazo máximo de la misma, para el cálculo de la base reguladora de la pensión se tomarán las cotizaciones correspondientes a los meses inmediatamente precedentes a la fecha de extinción de la Incapacidad Temporal. A las pensiones calculadas de esta forma le serán aplicables las revalorizaciones que en cada caso procedan, habidas desde la extinción de la Incapacidad Temporal.
  • Si el origen es un accidente no laboral, la base reguladora será el cociente de dividir por 28 la suma de las bases de cotización del trabajador, durante un período ininterrumpido de 24 meses, elegido por el interesado dentro de los 7 años inmediatamente anteriores a la fecha en que se causa el derecho.
  • Si se debe a un accidente de trabajo o enfermedad profesional, la base reguladora será el cociente de dividir por 12 los siguientes sumandos:
    • Salario diario multiplicado por 365 días.
    • Antigüedad diaria, multiplicada por 365 días.
    • Pagas extraordinarias.
    • Beneficios o participación en los ingresos computables percibidos en los 12 meses anteriores.
    • Pluses y retribuciones complementarias, incluidas horas extraordinarias, percibidos en los 12 meses anteriores, dividido por el número de días efectivamente trabajados y multiplicado por 290.

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