It is said that the self-employed never are become ill… and it is known that for a freelance is much more expensive beong off work, but diseases and unexpected events does not understand of social security systems and contributions.

As self-employed or freelance, you assume many risks, which may affect your work. Hence the convenience of being properly secured. To protect both you and your business, in the event of accident, sickness, unemployment or retirement, you should know how to complement the Social Security benefits. You have many tools to get it: off work, accident, life and health or pension insurances... so we can advise you to find the most appropriate solution so that your benefits, pensions and living standards are secure.


When the time comes to he end of the working life, self-employed people also are entitled to financial benefits and retirement. According to the Federación de Trabajadores Autónomos, there is a great inequality with respect to an employed person, since the average the retirement pension of a self-employed is 45% lower.

In establisghing the number of the pension differet factors should be considered:

  • Age of retirement

The labour reform has introduced the concept of “whole working career at the Social Security” and it is set at 38 years and 6 months.  At that point the worker  may retire at the age of 65 years old.

  • Minimmum contributory period required

It is progressively extended from the current 15 years up to 25 year in the 2027.

  • Pension Amount

It depends on the economic amount and the number of years that the worker have payed the social security. The range against which it is calculated varies from 50% of the regulatory base (for 15 years of contribution) to 100% od the base at the 37 years.

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