The final plan Social security to enable a gateway to the Special Regime for Self-Employed Workers (RETA) for the nearly 60,000 alternative mutual members of the legal profession, and which would allow them to transfer the funds contributed to the Mutual Society -once they retire-, it has a second leg with which the government wants force all self-employed workers to contribute to the public system from 2027. That is, eliminate the possibility of self-employed workers from certain groups who have the possibility of depositing their fees in the professional association instead of the RETA – and receiving income from them for retirement and other work contingencies. However, the Government’s parliamentary weakness threatens this second phase of the measures that will affect mutual members.
It is not new that the Executive is having problems moving forward with its legislative projects as it has to reconcile various political sensitivities among its partners, especially in economic matters. And this same circumstance affects the compendium of actions that the Government foresees on the mutual model.
Even without the first part of the measure being determined, the walkway to RETA and the equivalence system that Social Security will establish to give entry to this group of lawyers who have a low retirement income forecast in some cases, the strong weight that alternative mutualism has – it allows contributions to the professional association instead of to the Social Security for amounts starting at 80% of the RETA minimum base – will force the department led by Elma Saiz to have to roll up its sleeves at the parliamentary level.
The Government’s determination on this point is at this point in the articulation of the action plan for mutualists to eliminate this model from 2027, “eliminating the option of alternative coverage with a mutual society, except in cases of pluriactivity”as detailed by the Ministry in several appearances by the head of the portfolio, Elma Saiz. From Social Security they consider, despite the fact that it is also planned to “guarantee the sufficiency of the benefits of mutual members” by progressively increasing the amount of the contributions to be paid by the mutual member, from the current 80% to 100% of the minimum base of the general scale of the self-employed regime that this model is outdated and that the protective action both for contingencies in the workplace and finally for retirement must be borne by the public system.
The Junts obstacle
Once again the obstacle of negotiation with Junts rises on the horizon of the parliamentary process. In this case, due to the strong weight that alternative mutualism has in Catalonia and that if the reform is carried out as publicly announced Elma Saiz It would force the disappearance or reconversion of the model of some of the entities with the greatest weight at the national level in terms of assets under management deposited by mutual members. Of the nearly 200 types of mutual societies, half are Catalan. Many of the most important are represented by the Federation of Mutual Insurance Companies of Catalonia – 38 mutual societies and social security mutual societies that provide insurance coverage to around 257,000 mutual members. Such is the specific weight of the model in this region that it has delegated supervision by the General Directorate of Insurance.
“It is a sign of the Catalan territorial identity,” say sources close to Together consulted by ABC who assure that since the formation they do not view favorably this part of the Social Security plan to eliminate alternative mutualism as of 2027. If carried out, many of these entities that base a good part of their business on the part of alternative – they also function as complementary social security entities – would be destined to disappear.
Parliamentary sources assure about this measure that both the PP and the PNV are not convinced either to eliminate the alternative system, and they even point out that the Social Security plan would not have been detailed to the PSOE parliamentary group – where the Catalan part of the party would also be skeptical about it.
However, it is worth remembering that mutualism moves a capital amount of nearly 58,000 million euros, of which 18 billion correspond to contributions as an alternative to Social Security. Therefore, executing this plan to eliminate the possibility from 2027 would mean ending a third of this path of social economy, condemning to the disappearance of many entities where this contribution system has a majority weight.
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