This Friday, very relevant developments in unemployment benefits begin to be applied. On November 1, many of the measures of the reform approved by the Government in May come into force, after an agreement with the CCOO and UGT unions, from which the businessmen withdrew. Among the changes are an increase in the amounts of aid, up to 570 euros in the first six months of collection, the elimination of the waiting month and the inclusion of more groups that can receive the aid, among others.
The list of new features is long and covers multiple aspects. From the amount of the subsidy, access to who can be beneficiaries, the possibility of making its collection compatible with a job, and even various changes in the processing and the transition to the receipt of other aid, such as the minimum vital income (IMV).
Below, we collect some of the main modifications.
Increases the amount to 570 euros
Unemployment benefits recognized as of November 1 increase in amount. The new quantities are:
- 570 euros per month (95% of the IPREM) for the first six months.
- 540 euros per month (90% of the IPREM) for the following six months, from the seventh to the twelfth of collection.
- 480 euros per month (80% of the IPREM) from the 13th month of collection until its termination.
It must be insisted that these sums will be paid to the new subsidies recognized as of November 1, without applying an increase to the amounts of aid already recognized.
There is also an exception: the unemployment benefit for those over 52 years of age, which remains at 80% of the IPREM, which today amounts to 480 euros per month. This maintains its expanded contribution (125% of the minimum base), as demanded by Podemos, which rejected the reform in the first vote for this reason.
End of partial subsidy: full payment will be made
Another important novelty, which especially affects women, is the elimination of partial subsidy after a part-time contract. That is, the reduced payment of the subsidy, which “was imposed in the 2012 labor reform,” CCOO recalls, ends, with an amount proportional to the work hours of the last contract.
The new subsidies will receive “the full amount” of the aid “regardless of their type of contract,” highlights the union.
Access for young people, without family burdens
Subsidy coverage is expanded to several younger groups. On the one hand, people who have exhausted the contributory unemployment benefit when they are under 45 years old and do not have family responsibilities, who were previously excluded from this right, will be able to collect it. Of course, the unemployment benefit exhausted in these cases must have had “a duration equal to or greater than 360 days.”
In addition, access to the subsidy is extended to those who do not have the minimum contributions required to collect the contributory unemployment benefit. Previously, if you had contributed between three and six months, your payment was conditional on having family responsibilities.
From now on, people without family responsibilities will also be able to access the subsidy after three months of contributions, a situation that benefits “the youngest and most precarious claimants in general,” CCOO highlights in its guide on the changes in benefits. the reform.
Access for all prospective farmers
Access to unemployment benefits, including those over 52 years of age, is possible for all temporary agricultural workers in the State as a whole. Previously it was limited to people residing in the autonomous communities of Extremadura and Andalusia.
Cross-border workers from Ceuta and Melilla
The reform also recognized the right to unemployment protection for the so-called cross-border workers of Ceuta and Melilla. In this case it is about access to unemployment benefits, not the subsidy.
“Workers residing in the Kingdom of Morocco who have carried out their last employment relationship in the cities of Ceuta and Melilla, covered by work authorization for cross-border workers, will be able to access unemployment protection at a contributory level without the need to prove residence in Spain. “, states the decree.
No income requirement
The requirement for access to the subsidy is expanded with respect to “lack of income.” It will be considered individually, as until now, when the applicant’s income does not exceed “75% of the minimum interprofessional salary, excluding the proportional part of two extraordinary payments.”
But in addition, an access option due to lack of income is incorporated, taking into account the situation of the family home: when the sum of the income of the “whole family unit, including the applicant or beneficiary, divided by the number of members who make it up, does not exceed 75% of the minimum interprofessional salary, excluding the proportional part of two extraordinary payments.”
The waiting month is eliminated
The mandatory month of waiting to be able to collect the subsidy is eliminated, which left applicants immersed in a social protection hole. “The right to unemployment benefits begins on the day following the event causing the incident, provided that it is requested within fifteen business days following the date of the event,” the legislation now states. The causative event refers to the exhaustion of the contributory unemployment benefit and “that of the last legal unemployment situation if it is accessed by proving insufficient contributions.”
This point has another important novelty: “If the unemployment benefit is requested after six months have elapsed from the date of the causative event, the application will be denied”, with some exceptions, such as if the person is on sick leave due to temporary disability or in your leave for the birth of a child when this period expires.
Make the subsidy and a job compatible
The new subsidies recognized from now on will also have a new employment compatibility regime, which will allow them to accept a full or part-time job and collect part of the aid during the following months. Up to 180 days, that is, six months. The subsidy will then be called “employment support supplement” (CAE).
The amount of this supplement will decrease and will depend on how long the beneficiary has been receiving the subsidy and the type of contract, encouraging more hours to be worked.
For example: If the person was in the first quarter of receiving the subsidy, and accepts a full-time job, he or she will collect the salary and a CAE of 480 euros per month (80% of the IPREM). If you get a part-time job, 75% or more of the day, you will receive a CAE of 70% of the IPREM. And if the employment is less than 50% of the working day, the CAE will reach 60% of the IPREM.
You have to file your income tax return
Another of the changes that has garnered the most attention in recent days is the new obligation to file an income tax return. Recipients of the unemployment benefit will be required to “present annually the declaration corresponding to the Personal Income Tax” to the Treasury.
The Ministry of Labor insists that it is a “documentary” obligation, that is, to present the declaration, but that does not mean that it will always pay the beneficiaries of the subsidy, since in many cases they will be below the thresholds for it. But the procedure is important: failure to submit the declaration is grounds for termination of the subsidy.
Gateways to the minimum vital income (IMV)
As of this November, the Active Insertion Income (RAI) and the Extraordinary Unemployment Subsidy (SED) are repealed, although “people who on November 1, 2024 have requested, are beneficiaries or have suspended any of the existing subsidies, including SED and RAI, will continue to be governed by the regulations prior to the RD Law, until its extinction,” CCOO reminds. From now on, the derivation to the minimum vital income (IMV) of subsidies that until now were regulated by the RAI or the SED will be applied.
As of November 22, the so-called “gateway” will be applied to the IMV, which will make it easier for people who exhaust unemployment benefits and meet the requirements to collect the state minimum income in a more agile way. To achieve this, there will be greater collaboration between SEPE and Social Security.
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