The economic benefit for temporary disability covers the lack of salary of a worker who is temporarily unable to work due to a disease or accident.
During this temporary situation, the employment contract is suspended, the worker is not obliged to work or receive a salary, and the company must continue to pay contributions.
The company will make the payment of the benefit under a delegated payment system, which it will recover later when the Mutual Society deducts it from the amount of the contribution fees of all its workers.
Do you know what an occupational accident is?
The term occupational accident or accident at work is understood to mean any bodily injury that a worker suffers as a result of, or as a consequence of, the work that he/she performs as an employee.
What is an occupational disease?
The medical or traumatic pathology or injury contracted as a result of the work performed, either as an employee or self-employed person, within the activities included in the Occupational Diseases Chart.
Who can be a beneficiary?
Workers affiliated and registered in the General Social Security System. In the event of an accident or occupational disease, no prior contribution period is required.
We ensure your peace of mind. We take care of the expenses of all the health and pharmaceutical services that you need during your recovery process, with our own means or with authorized partners (hospitalization, surgery or rehabilitation). The company and the worker should not pay additional costs.
The medical service may also determine the payment of transportation and accommodation expenses necessary for your treatment, depending on the severity of the injury.
How much will the benefit be?
The injured worker will receive, from the day after the day of the sick leave, 75% of his daily contribution base. Self-employed workers in a situation of temporary disability will receive the same amount. The maximum duration of this benefit is 12 months. It will be extended for a further 6 months if it is considered that at that time the worker can be discharged due to recovery. Once the 18 months have elapsed, the condition of the disabled person will be examined, within a maximum period of 3 months, in order to qualify him/her as permanently disabled.
How can we help you?
During medical leave
We take care of the expenses of all the health and pharmaceutical services that you need during your recovery process, with our own means or with authorized contractors (hospitalization, surgery or rehabilitation). The company and the employee do not have to pay any additional costs. The medical service may also determine the payment of transportation and accommodation expenses necessary for your treatment, depending on the severity of the injury.
If you need more information, please consult the following frequently asked questions:
After the medical leave (prior resolution of the INSS)
Once your recovery process has been completed, if there are permanent sequelae after an accident at work or occupational disease, we pay the compensation and pensions recognized by the National Institute of Social Security.
Non-invalidating permanent injuries
When the worker presents injuries that, without constituting permanent disability, represent a decrease in integrity, a single payment is recognized, according to the current legal scale.
Partial permanent disability
When the worker presents sequelae that cause a decrease in the normal performance of his/her usual profession of more than 33% (or 50% for self-employed workers), a lump-sum payment equivalent to 24 monthly payments of the regulatory base is recognized.
Total permanent disability
When the worker is unable to perform his or her usual occupation, but can engage in another occupation, he or she receives a lifetime pension of 55% of the annual regulatory base or 75% in the case of unemployed persons over 55 years of age.
Absolute permanent disability
When there is no possibility of working in any paid occupation, the recognized pension is 100% of the regulatory base.
The worker is entitled to a lifetime pension, in accordance with the corresponding degree, plus a supplement to enable the affected person to pay the person who takes care of him/her in the essential acts of his/her life. The amount of the increase, in this case, is the sum of 45% of the minimum contribution base in force at the time of the accident and 30% of the worker’s last contribution base for occupational contingencies.