Help after unemployment

<>

Being unemployed is not a pleasant situation. If you are lucky enough to receive the contributory unemployment benefit month after month, you will feel a little better since, while you find a new job, you have a "cushion" to alleviate the problems. But is there help after the strike? If you are about to exhaust the benefit, it is normal that you begin to fear it, especially if you have not yet found a job.

But you should know that there is help after unemployment, as long as you meet the requirements. Are you interested in knowing what they are? Today we show you the different types of aid for the unemployed that are available.

Contributory unemployment benefit

The contributory unemployment benefit is better known as “unemployment”, and it is a salary that is paid to you at the end of the month despite not having a job, because you have previously contributed to receiving it. Specifically, it is said that, for each year worked, you have 4 months of unemployment, in such a way that, depending on how long you have been, it will correspond more or less.

This help is received according to your contribution base, without extras or anything that increases your salary when you were working. In spite of everything, and as we have talked about, it is not unlimited, but it has a validity period and, after this, you would stop charging it, whether you have found a job or not.

El problema es que muchas persons que cobran el paro no lo terminan y ya disponen un trabajo (o lo pausan debido a que lo han encontrado); Es por esto que, una vez concluido este beneficio, se sienten impotentes debido a que, ¿cómo llegar a fin de mes si no hay ingresos?

Fortunately, there are other benefits after unemployment, perhaps less recognized as such, But they can help alleviate that problem while you keep trying to get back into the workforce.

Help after unemployment

Post-unemployment benefits are tools that you can take advantage of when, once the unemployment benefit has ended, you still have not found a job to have a salary at the end of the month.

In spite of everything, the State Employment Service, the SEPE, does provide a series of aid for when unemployment is exhausted. And these are the following:

Aid after unemployment: Active insertion income

Better known by its acronym, RAI, is one of the grants that you can apply for as long as you meet the requirements. To get started, You must be under 65 years of age. At the same time, you need to register as a job seeker at SEPE, which means that you can be called in for job interviews or to attend educational training programs.

And you cannot have a monthly income higher than 75% of the interprofessional minimum wage.

You have a spouse and / or children under 26 years of age (or disabled elderly person), minors in foster care… then you have to add up all the income of the family unit and, thus, not exceed that SMI 75%.

This help will be denied if you have previously benefited from it (in other words, the previous year), unless you are a victim of gender violence or a disabled person.

The amount of this aid is 430.27 euros and is received for a maximum of 11 months. Beyond that time it would be necessary to look for other alternatives.

Aid for people over 45 years old

When a person reaches 45 and is unemployed, the opportunity to return to the world of work is much more difficult than for young people. Therefore, there is this help.

It is a grant to be able to collect a grant. But for this, a series of requirements must be met, such as the be registered as a jobseeker for at least one month after exhausting the contributory benefit, not having rejected a job offer and not having refused any training.

The rent must not exceed 712.50 euros.

If you meet the requirements, you will have access to this help. Of course, you will charge 430 euros per month and only for a maximum period of 6 months.

Aid after unemployment for people over 52 years of age

This aid was already part of the aid after unemployment for some time, but it was offered to those over 55 years of age. However, a few years ago it was reduced to 52 years. Regarding the requirements, at the same time of age, it is necessary to comply with the same as if you had to enter a contributory retirement pension. And what is more, You must be unemployed and register with the SEPE, not have your own income and have exhausted other benefits.

Regarding the amount, an aid is received from the 80% of the Public Indicator of Monthly Income of Various Effects (IPREM) and it will be maintained until you find a job or until you enter the retirement pension (in other words, from 52 years of age to The retirement). get older).

Unemployment benefit

In this case, the unemployment benefit can only be requested when there are family responsibilities, and at the same time the unemployment benefit has been exhausted. For this, while being registered as a job applicant, you cannot have rejected any job offer or training course. Family income cannot exceed 75% of the interprofessional minimum wage and it is essential, and that is why we emphasize it, the fact that the tax benefit must have been exhausted.

As a general rule, aid is collected over 18 months, but in terms of 6 out of 6, Unless they are unemployed under 45 years of age with dependents who have exhausted (contributory) unemployment for a minimum duration of 6 months. In this case, the duration is 24 months.

The same duration as if they were unemployed over 45 years of age with an exhausted contributory benefit of at least 4 months and with family responsibilities.

In the case of the unemployed with family responsibilities and over 45 years of age, but who exhaust an unemployment benefit of at least 6 months, there will be 30 months of this unemployment benefit.

You will receive 451.92 euros per month.

This aid of 431 euros per month, for a period of 6 months, is offered to the long-term unemployed. To be able to apply, you must have already exhausted the unemployment benefit, and be considered long-term unemployed (in other words, have more than 360 days registered as a job seeker in the 18 months prior to when you apply for the benefit).

Only offered to people with dependents and it is necessary that there is no income, or at least that it is not higher than the 75% of the SMI.

Other aid after unemployment

At the same time as the aid we have mentioned, the truth is that there are also other aid after unemployment, less recognized, but just as effective.

As an example:

• Subsidy for insufficient contribution.
• Help domestic workers.
• Subsidy for employees with a temporary contract.
• Returned emigrants over 45 years of age.
• Aid from Town Councils and Autonomous Communities.
• Aid from NGOs (Cáritas, Red Cross ...).