People with disabilities could enjoy cultural and recreational activities. (Andean Agency)
The Social Security in Spain ensures that all citizens are protected in case they lose their job, grow older or fall ill. This is so regardless of whether it has been quoted or not. In fact, the system distinguishes between contributory pensions, which are those generated through the social contributions of employers and workers, and non-contributory, which are allocated to those retired or in a situation of disability who have never contributed or have not reached the minimum number of years required.
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There are two types of non-contributory pensions: for jretirement or disability. The first can be requested by people over the age of 65 who have never contributed to Social Security or who have not reached the minimum number of years legally required. And the non-contributory disability pension is intended for people between the ages of 18 and 65 who have a disability equal to or greater than 65%.
Requirements to request the non-contributory pension for disability
To be eligible for a non-contributory pension, whether for disability or retirement, applicants must meet a common requirement: not having sufficient income to maintain a minimum standard of living*100021 *. The income or income threshold in 2022 is established at 5,899.60 euros per year per person. If the economic unit of coexistence to which the applicant belongs is made up of more members (spouse or other relatives), other limits are established.
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For the non-contributory disability pension it is necessary to meet the following requirements:
-Being 18 years of age or older and less than 65
-Having resided in Spanish territory at least for five years (two of them consecutive and prior to the application)
-Have a degree of disability equal to or greater than 65%.
The right to receive this non-contributory disability pension does not prevent the applicant from continuing to carry out a work activity that is compatible with his or her disability.
Where is the non-contributory pension requested?
Family allowance: workers with children over 18 years of age with severe disabilities may continue to receive the labor benefit
The request for any of these non-contributory pensions is made at the Social Services offices of the autonomous communities, the Imserso or the Social Security, while the management and recognition of the right to receive this type of pension are in charge of the autonomous communities, which have transferred these powers. In the case of Ceuta and Melilla, the management is carried out directly by the Imserso.
How to calculate the contributory pension?
The amount of the contributory pension is specified based on the contributions made to the Social Security throughout the worker’s entire working life, both those who are self-employed (self-employed) and others, according to Banco Santander on its website. The contributions depend, in turn, on the regulatory base, which is an amount established by law -which usually coincides with the salary received-, on which a contribution percentage is applied to determine the monthly contribution made by each worker -and their employer. – Social Security.
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Once retirement age is reached, to calculate what it will be the amount of the pension, a variable percentage is applied to the regulatory base depending on the years of contribution. For example, for the first 15 years of contributions, it is 50%. As of the 16th year, the amount of the contributory pension increases by 0.19% for each additional month of contribution (between months 1 and 248) and 0.18% for the months of contribution from month 248
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