Without a doubt, one of the worst moments we can live is unemployment, And it is that when we are forced to leave our job involuntarily, either due to staff cuts or because the company went bankrupt, we find ourselves in a complicated situation since we no longer have a fixed income, and this becomes something worrying especially when there is a family that depends on our income.
But to support those who are in unemployment situation, The Spanish government has provided the system with a series of aids that will allow us to cover our basic needs while we find a stable job. So while there is first-instance options There may be an opportunity that we have exhausted unemployment, let's see a little more in depth what this means.
Unemployment benefit
The first thing to consider is that the unemployment or unemployment benefit it has certain guidelines in which it is valid. Considering that during the first six months that it is charged, we are entitled to up to 70% of what corresponds to the base salary of the worker, But as of the seventh month, now you only have the right to collect 50% of your salary; At the same time, we must pay attention that the term that we can charge for unemployment is proportional to the time we have contributed.
Given this last data, let us clarify that from 360 to 539 days of contribution you have the right to 120 days of unemployment; and thus unemployment increases as the contribution time increases until reaching a contribution of 2,160 days or more, then one is entitled to 720 days of unemployment. But if ya We have exhausted this benefit and we still cannot find a jobThere is some other help that the government has given us, let's see what to do if your unemployment ends.
Grants
Grants They help us in two situations, when we have exhausted unemployment, or when, due to our contribution time, we still do not have the right to unemployment. This type of subsidy is the first support that we must resort to if we have made use of all our benefits. There are 4 types of grants, each one for different profiles, let's see what they are.
For insufficient contribution
The first is the insufficient contribution grant, and this applies only when we have not come to quote the minimum time that is one year or 360 days. This subsidy can be up to 426 euros, but this value will be determined by various variables such as the contribution time at the same time of the responsibilities that arise, they can be spouses or children under their responsibility.
Familiar help
The second type of subsidy that exists is the family help for the unemployed, This type of aid is up to 426 euros per month; and it is applicable for employees who do not have income and who have family responsibilities; Also of course they have exhausted the strike. Specifically, there are 2 types of family aid, let's see what they are and what their specifications are.
Help for unemployment burnout It is the one that interests us the most in this post; To enter this economic support it is required to have exhausted unemployment, as well as to be unemployed or be registered as a job seeker; Here we must explain that for this to be valid it must be considered that it is necessary to be registered for at least one month since we run out of unemployment. At the same time, we have to meet the obligations of the unemployed.
Another requirement is that we have some responsibility with a direct family member, this entails children under the age of 26 or a disabled child, or with a spouse who depends on the worker. To explain the point, we must mention that this economic support serves not only those who have children, but also couples, legally married, can enter this subsidy if one of the two spouses is financially dependent on the other.
To enter this subsidy, it is also required that we verify that we do not have any income identical to the 75% of the minimum wage, or more. Therefore, if we have an income that exceeds 530.78 euros per month, this help is not for us. It should be noted that this requirement includes the applicant directly; but once this check has been carried out, it is a requirement that the income or average income of all family members does not exceed 530.78 euros per month.
As to process to enter this helpWe must do it within a period of 15 business days, which are counted from the month of waiting. It is essential that we take this deadline into account, because if we do not comply with it, we will not lose the right to request it, but we will stop charging for as many days as the time between the deadline and the request date.
Even though the amount this represents the subsidy is 426 euros per month, It is essential to pay attention that the real value of the amount we can collect is identical to the time we have worked, so if our last job was part-time, we will only be entitled to collect 50% of the monthly allowance.
Another important point to mention is that we can collect this unemployment for a period identical to 18 months as a total period, but the initial procedure is valid for 6 months; After this we must carry out a renewal, which we can do only 2 times, giving a total of the 18 months mentioned.
Subsidy for over 45s
East The subsidy is primarily designed for employees over 45 years of age, who have exhausted unemployment and do not have family responsibility. If this grant is better suited to your needs, here is what you need to do to qualify for it.
The application period for this the allowance is 15 business days They begin to be counted from the end of the waiting month, which is the month of transition between the exhaustion of unemployment and the beginning of the period to request other subsidies. Therefore, if we are already within this period, the procedure is carried out with the following documents.
You must have a official application form In which the income statement is included, the data for direct debit, it is also essential to have the activity commitment, as well as we must have the authorization to request information from the AEAT. Together with these documents we will be asked to present an official identification.
Once we have our documentation, we must present ourselves at the SEPE employment office which is the state employment public service. But to understand when we have to show up, it is essential to schedule our appointment, so that they notify us of the day and time we have to come with our documentation. Another opportunity is to processed through the SEPE web portal.
Subsidy for people over 55
The requirements to be able to request this support They have, as their name says, an age greater than 55 years; It is also essential to have been registered as a job seeker for one month after we lose unemployment. In addition, it is necessary to pay attention that the activity commitment must be signed.
Another requirement is not to have an income higher than 75% of the minimum wage. And that the average income of your family does not exceed 530.78 euros per month. Also there must have been quoted for unemployment for a minimum period of 6 years during your working life. In addition, he should have been on the list for 15 years, and of these, 2 must have been in the last 15 years of his life.
The period for which we can collect this subsidy it is until they are old enough to be able to collect the pension. But during each year an income declaration must be made, this is so that we can demonstrate that the admitted limits have not been exceeded. From this dynamic we can maintain our subsidy for the time required.
Like the aforementioned subsidies, the deadline to request it is 15 days after the month of waiting. The documentation that we must submit to apply for this grant is an application form with all the required information. A personal identification document. The certificate of the national institute of social security, in this it must prove that the grace period is reached, which is sufficient to be able to enter a retirement pension.
So that it can be completed the retirement contribution made through the INEM, It is essential that a special agreement be signed with the General Treasury of Social Security. From this dynamic we can be sure that we will have all the benefits and that when the time comes to retire, it will be done in the best possible way.
All these aids will undoubtedly allow us to make the times of lack less unfavorable, especially if we have family responsibilities or are older. Even though it is always recommended to keep trying to find work.
