{"id":13104,"date":"2026-08-13T06:00:44","date_gmt":"2026-08-13T04:00:44","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=3010"},"modified":"2026-08-13T13:11:09","modified_gmt":"2026-08-13T11:11:09","slug":"what-types-of-incapacity-for-work-exist","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/que-tipos-de-incapacidad-laboral-existen\/","title":{"rendered":"Types of incapacity for work recognised by Social Security"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13104\" class=\"elementor elementor-13104\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6348645e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6348645e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-383b7572\" data-id=\"383b7572\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cede325 elementor-widget elementor-widget-text-editor\" data-id=\"1cede325\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div style=\"width: 100%; max-width: 100%; overflow-x: hidden; box-sizing: border-box;\">\n\nThe <strong>types of incapacity for work<\/strong> Recognized in Spain depend on the duration of the limitation, the extent to which it affects work, and whether the person can continue to perform their usual profession or another different one. Therefore, it is not the same thing for someone who has been working for a long time and has been in a stable job for a long time. <strong>temporary incapacity<\/strong> that one <strong>partial permanent disability<\/strong>, Total, absolute, or a situation of great incapacity.\n\nThis difference is important because each type of disability has different effects on economic benefits, work compatibility, the duration of the process, and the coverage that private insurance can provide.\n\nAt PIB Group Iberia we work with solutions such as <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/sick-leave-insurance\/\">sick leave insurance<\/a>, the <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/accident-insurance\/\">accident insurance<\/a> and the <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/risk-life-insurance\/\">life insurance<\/a>, These can help complement public protection in certain cases, subject to the conditions of each policy.\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 10px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Updated in August 2026<\/p>\n<p style=\"margin: 0; color: #2e3538; font-size: 16px; line-height: 1.6;\">Content revised with the information published by the Social Security and the General Law on Social Security consolidated in the BOE. The percentages indicated are general and may vary depending on the regulatory basis, contingency, agreement, employment situation and resolution of the INSS.<\/p>\n\n<\/div>\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 10px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Quick answer: How many types of disability are there?<\/p>\n\n<ul style=\"margin: 0; padding-left: 20px; color: #2e3538; font-size: 16px; line-height: 1.6;\">\n \t<li><strong>Temporary incapacity:<\/strong> It prevents working for a limited period and requires medical assistance.<\/li>\n \t<li><strong>Partial permanent disability:<\/strong> It reduces performance in the usual profession by at least 33%, but does not prevent the essential tasks.<\/li>\n \t<li><strong>Total permanent disability:<\/strong> It prevents you from practicing your usual profession, but allows you to work in another profession.<\/li>\n \t<li><strong>Absolute permanent disability:<\/strong> It prevents you from pursuing any profession or trade.<\/li>\n \t<li><strong>Great incapacity:<\/strong> In addition to preventing work, it requires the help of another person for essential acts of daily life.<\/li>\n<\/ul>\n<\/div>\n<h2>Types of disability and percentages that are paid<\/h2>\nThe economic benefit depends on the type of disability, the regulatory basis, and the contingency that caused it. There is no single amount applicable to all workers.\n<div style=\"display: block; width: 100%; max-width: 100%; overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; margin: 24px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; min-width: 760px; max-width: none; border-collapse: collapse; font-family: Roboto, Arial, sans-serif; font-size: 15px; line-height: 1.45;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Type of disability<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">What it entails<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Percentage or general allowance<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Work compatibility<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Temporary disability due to common illness or non-work-related accident<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Temporary medical leave due to a common cause.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">60% from the regulatory base on day 4 to day 20; 75% from day 21.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Not compatible with the work that caused the reduction during the period of incapacity.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Temporary disability due to an occupational accident or occupational illness<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Temporary reduction due to professional contingency.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">75% of the regulatory base since the right to the benefit was created.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Not compatible with work while the leave lasts.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Partial permanent disability<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Reduce the performance in the usual profession by at least 33%.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compensation in the amount of 24 monthly installments of the regulatory base used for temporary disability.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compatible with any work, including the one that was being developed.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Total permanent disability<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It prevents you from pursuing your usual profession, but not all types of work.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">55% from the regulatory base. It can be increased by 20% from the age of 55 if it is assumed that it will be difficult to find employment in another activity.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compatible with another job other than the usual position or profession that caused the disability.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Absolute permanent incapacity<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Inhabilitates for all professions or trades.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">100% of the regulatory base.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It may allow activities compatible with the person's state, according to the criteria of the INSS and applicable regulations.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Great inability<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">The person needs assistance from another for essential acts of life.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Percentage corresponding to total or absolute permanent disability, increased by an increment.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It may allow activities compatible with the person's state, according to the resolution and applicable regulations.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: -14px 0 22px 0; color: #666666; font-size: 13px; line-height: 1.4;\">On mobile, slide the table horizontally to see all the information.<\/p>\n\n<h2>What is incapacity for work?<\/h2>\nThe <strong>incapacitation for work<\/strong> It occurs when a working person is unable to carry out their professional activity due to illness, injury, accident, or functional limitation. The key is not only in the medical diagnosis, but also in how that situation affects the actual ability to work.\n\nTherefore, two people with the same disease may receive different assessments if their professions, limitations, medical progress, and usual tasks are not the same.\n\nIn the field of Social Security, disability can be temporary or permanent. The first responds to a situation of temporary disability with the expectation of recovery. The second is assessed when anatomical or functional impairments are severe and predictably definitive.\n<h2>Temporary disability: reduced working hours while recovery continues<\/h2>\nThe <strong>temporary incapacity<\/strong> This is the situation in which the working person is temporarily unable to work and receives healthcare assistance. During that period, they may receive a daily allowance to cover the loss of income, provided that the applicable requirements are met.\n\nIt can result from:\n<ul>\n \t<li><strong>Common contingencies:<\/strong> Common illness or non-occupational accident.<\/li>\n \t<li><strong>Professional contingencies:<\/strong> Work-related accident or occupational disease.<\/li>\n \t<li><strong>Special situations:<\/strong> Specific conditions recognized by the regulations, such as secondary incapacitating menstruation, abortion, gestation from week 39 or organ or tissue donation for transplantation.<\/li>\n<\/ul>\n<h3>Duration of temporary disability<\/h3>\nAs a general rule, temporary disability can last up to <strong>365 days<\/strong>. That period can be extended by another <strong>180 days<\/strong> when it is foreseen that the person may receive medical discharge for healing during the extension.\n\nWhen the 365 days have expired, the INSS takes on a central role: it can issue the discharge, initiate the permanent disability claim, or assess the corresponding extension.\n<h3>Percentages of temporary disability<\/h3>\nIn common illness or non-work-related accident, the benefit is set at <strong>60% of the regulatory base from the 4th to the 20th day<\/strong>, and in the <strong>75% from the 21st day<\/strong>. In the case of an occupational accident or occupational disease, the overall percentage is 1%. <strong>75% of the regulatory base<\/strong> since the birth of law.\n\nThese percentages can be improved through collective agreements, company agreements, or private policies that complement income during the period of absence from work.\n<h2>Permanent disability: degrees recognized by Social Security<\/h2>\nThe <strong>permanent incapacity<\/strong> It seeks to cover the loss of income suffered by a working person when, following an illness or accident, their working capacity is reduced or permanently cancelled.\n\nSocial Security recognizes different levels, and each has different economic and labor effects.\n<h3>Partial permanent disability<\/h3>\nThe <strong>partial permanent disability<\/strong> It is recognized when the person suffers a decrease of at least <strong>33%<\/strong> in its normal performance for the usual profession, without being prevented from performing the fundamental tasks of that profession.\n\nHis benefit is not a monthly pension, but an indemnity of the same amount equivalent to <strong>24 monthly installments<\/strong> from the regulatory base that served to calculate temporary disability.\n<h3>Total permanent disability<\/h3>\nThe <strong>permanent total disability<\/strong> It disqualifies a person from engaging in the usual profession, but allows them to pursue another profession. For example, a person may not be able to continue performing their usual work due to a specific physical limitation, but they can perform another activity compatible with their status.\n\nThe general amount is the <strong>55% of the regulatory base<\/strong>. From the age of 55, it can be increased by one <strong>20%<\/strong> when difficulty is presumed in obtaining employment in an activity other than the usual one.\n<h3>Absolute permanent incapacity<\/h3>\nThe <strong>permanent and total disability<\/strong> It is prohibited for any profession or trade. Its general amount is the <strong>100% of the regulatory base<\/strong>.\n\nThis degree does not depend solely on the existence of a serious illness, but on the impossibility of carrying out any work activity with a minimum of performance, continuity, and professionalism.\n<h3>Great inability<\/h3>\nThe <strong>great incapacity<\/strong> It is recognized when a person with permanent disability needs the assistance of another for essential acts of life, such as getting dressed, moving around, eating, or performing basic activities.\n\nThe benefit is based on the percentage corresponding to total or absolute permanent disability, increased by an allowance intended to compensate the person providing that assistance.\n<h2>Difference between temporary and permanent disability<\/h2>\n<div style=\"display: block; width: 100%; max-width: 100%; overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; margin: 24px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; min-width: 680px; max-width: none; border-collapse: collapse; font-family: Roboto, Arial, sans-serif; font-size: 15px; line-height: 1.45;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Criterion<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Temporary disability<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Permanent disability<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Duration<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Limited in time, with the expectation of recovery.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Presumably definitive, although revisable.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Purpose<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Covering the loss of income during the sick leave.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compensate the stable loss or reduction in labor capacity.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Relevant organ<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Public health service, collaborating mutuals and INSS according to the stage of the process.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">INSS, through the disability assessment teams.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Benefit<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Temporary allowance calculated based on the regulatory base.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compensation or pension according to the recognized degree.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: -14px 0 22px 0; color: #666666; font-size: 13px; line-height: 1.4;\">On mobile, slide the table horizontally to see all the information.<\/p>\n\n<h2>Requirements for applying for incapacity for work<\/h2>\nThe requirements depend on the type of disability, the degree requested, and the contingency that caused it. The same requirements are not required for temporary disability due to common illness as for permanent disability resulting from an industrial accident.\n\n<details style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; padding: 14px 16px; margin: 14px 0; background: #ffffff;\"><summary style=\"cursor: pointer; color: #2e3538; font-size: 17px; line-height: 1.4; font-weight: bold;\">See general requirements that are worth reviewing<\/summary>\n<ul style=\"margin: 14px 0 0 0; padding-left: 20px; color: #2e3538; font-size: 15px; line-height: 1.6;\">\n \t<li>Being included in a Social Security scheme.<\/li>\n \t<li>Having a medical certificate or medical assessment when appropriate.<\/li>\n \t<li>Comply with the minimum contribution periods required for each situation, if necessary.<\/li>\n \t<li>It should be borne in mind that if the disability stems from an accident, whether or not it is work-related, or from occupational illness, no previous contributions may be required.<\/li>\n \t<li>Provide medical reports, diagnostic tests, and employment documentation that allow the functional limitations to be evaluated.<\/li>\n \t<li>Waiting for the INSS resolution in permanent disability cases.<\/li>\n<\/ul>\n<\/details>In cases of permanent disability, the INSS must assess not only the illness or injury, but also its impact on the habitual profession or any other work, according to the degree requested.\n<h2>Who recognizes labor incapacity?<\/h2>\nIn cases of temporary disability, the public health service, collaborating mutual insurance companies and the INSS intervene according to the stage of the process and the contingency. From the exhaustion of the 365 days, the INSS acquires specific competencies regarding the registration, extension or initiation of a permanent disability case.\n\nIn the case of permanent disability, the declaration is submitted to the provincial offices of the INSS, through the disability assessment teams. In Catalonia, these functions are carried out through the Catalan Institute of Medical Evaluations and the Commission for the Evaluation of Disabilities.\n\nThe general maximum time limit for issuing a decision in a permanent disability case is 12 months. <strong>135 days<\/strong>. If no resolution is issued within that period, the request may be deemed rejected by negative administrative silence.\n<h2>Is there a list of diseases that cause disability from work?<\/h2>\nThere is no closed list of diseases that automatically grants work disability. What matters is not just the diagnosis, but the functional limitations, their duration, the response to treatment, the person\u2019s profession, and the extent to which those limitations prevent them from working.\n\nSome pathologies can lead to disability in certain cases, but not always. The same diagnosis can have different work-related consequences depending on the intensity, progression, sequelae, age, habitual profession and functional capacity.\n\nTherefore, when assessing an incapacity, it is advisable to collect the following information:\n<ul>\n \t<li>Updated medical reports.<\/li>\n \t<li>Diagnostic tests.<\/li>\n \t<li>Historyrial of treatments.<\/li>\n \t<li>Objectively determined functional limitations.<\/li>\n \t<li>Real description of the job position.<\/li>\n \t<li>Risks associated with the usual profession.<\/li>\n \t<li>Reports on the prevention or adaptation of the position, if any.<\/li>\n<\/ul>\n<h2>Difference between disability, invalidity and disability<\/h2>\nIn ordinary language they are sometimes used as synonyms, but they do not mean exactly the same thing.\n<ul>\n \t<li><strong>Work disability:<\/strong> It refers to a person's ability to work and is valued within the framework of Social Security.<\/li>\n \t<li><strong>Inability:<\/strong> It is a traditional term that still appears in some contexts, although in the current field of Social Security they usually speak of permanent disability.<\/li>\n \t<li><strong>Disability:<\/strong> It assesses limitations in activity and social participation. The administrative recognition of disability is based on the degree determined by the competent body.<\/li>\n<\/ul>\nThe recognition of a permanent disability pension may imply the recognition of a degree of disability of 33% only for certain legal purposes, but it should not be automatically confused with a complete assessment of disability for all areas.\n<h2>What insurance can complement a disability from work?<\/h2>\nPublic benefits may not be enough to maintain the previous level of income, especially for self-employed individuals, liberal professionals, profiles with high fixed expenses, or people with family responsibilities. Therefore, some private insurance policies can complement public protection.\n<div style=\"display: block; width: 100%; max-width: 100%; overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; margin: 24px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; min-width: 700px; max-width: none; border-collapse: collapse; font-family: Roboto, Arial, sans-serif; font-size: 15px; line-height: 1.45;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Type of insurance<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">What it can cover<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">For whom it might be useful<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Sick leave insurance<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Daily compensation during temporary disability due to accident or illness, according to the policy.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Self-employed individuals, professionals and people who want to protect their income during a downturn.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Accident insurance<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Compensation for accident, permanent disability or accidental death, according to the contracted guarantees.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">People with professional or personal activities that expose them to the risk of an accident.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Life insurance with disability coverage<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Capital insured in the event of death and, if contracted, permanent total or partial disability according to conditions.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">People with a mortgage, a family, debts, financial burdens, or a need to protect capital.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: -14px 0 22px 0; color: #666666; font-size: 13px; line-height: 1.4;\">On mobile, slide the table horizontally to see all the information.<\/p>\n\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 8px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Do you want to protect your income in the event of an inability to work?<\/p>\n<p style=\"margin: 0; color: #2e3538; font-size: 16px; line-height: 1.6;\">At PIB Group Iberia we analyze your activity, revenues, contribution base, economic burdens and current coverage to help you find the appropriate solution.\n<a style=\"color: #2e3538; font-weight: bold; text-decoration: underline; text-decoration-color: #DDBA0E; text-underline-offset: 3px;\" href=\"\/en\/corporate\/contact\/\">Requests a personalized assessment<\/a>.<\/p>\n\n<\/div>\n<h2>Common mistakes when talking about work incapacity<\/h2>\n<ul>\n \t<li><strong>Confusing short-term disability with permanent disability:<\/strong> The decline is temporary; permanent disability is assessed when there are foreseeable and definitive limitations.<\/li>\n \t<li><strong>The idea that an illness automatically entitles you to a pension:<\/strong> What is valued is the job impact of the illness or injury.<\/li>\n \t<li><strong>Not distinguishing between habitual profession and any other profession:<\/strong> This difference marks the boundary between permanent total and absolute disability.<\/li>\n \t<li><strong>Do not review the regulatory base:<\/strong> The percentages apply on a specific basis, not on any gross salary.<\/li>\n \t<li><strong>Not considering common or professional contingency:<\/strong> The cause of disability can change requirements, percentages, and responsibilities.<\/li>\n \t<li><strong>Do not review private insurance:<\/strong> A policy can complement the public benefit, but only if the coverage is contracted and its conditions are met.<\/li>\n \t<li><strong>Confusing disability and disability:<\/strong> They are distinct certifications, with different purposes and procedures.<\/li>\n<\/ul>\n<h2>How to protect yourself against an inability to work?<\/h2>\nProtection against incapacity for work must be reviewed before the problem occurs. Once a pathology, accident or medical leave has occurred, it may be too late to obtain certain coverages or the same conditions.\n\nTo design adequate protection, it is advisable to review:\n<ul>\n \t<li>Real monthly income.<\/li>\n \t<li>Contribution base.<\/li>\n \t<li>Family or professional fixed expenses.<\/li>\n \t<li>Debts, loans or mortgages.<\/li>\n \t<li>Professional activity and associated risks.<\/li>\n \t<li>Estimated public benefit in case of disability or incapacity.<\/li>\n \t<li>Insurance already contracted.<\/li>\n \t<li>Capital necessary to maintain economic stability.<\/li>\n<\/ul>\nIf you work as a self-employed person, you can find more information in our article about <a href=\"\/en\/blog\/self-employed-workers-unemployment-insurance-protects-your-income\/\">Sick pay insurance for the self-employed<\/a>. If you want to review how a disability or illness is covered, you can also consult our content on <a href=\"\/en\/blog\/incapacity-for-work-leave\/\">insurance that covers a disability benefit<\/a>.\n<h2>Compare insurance solutions for incapacity for work<\/h2>\nThe types of work disability recognized by Social Security have very different effects on a person's income. The key is to understand which public benefit could be applicable, what economic risks would remain uncovered, and what private insurance can help to supplement that protection.\n\nAt PIB Group Iberia we can help you compare alternatives based on your profession, income, contribution base, family situation, level of indebtedness, current coverage and protection needs.\n\n<a href=\"\/en\/corporate\/contact\/\"><strong>Requests a personalized assessment<\/strong><\/a> and we reviewedsare what solution might best suit you to protect your income in the event of an inability to work.\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>There isn't just one type of incapacity, but several: temporary, partial permanent, total or absolute... We will look at their differences and how to insure them.<\/p>","protected":false},"author":14,"featured_media":13105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.9,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16,152],"tags":[157],"class_list":["post-13104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","category-profesionales","tag-accidentes-autonomos"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=13104"}],"version-history":[{"count":5,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13104\/revisions"}],"predecessor-version":[{"id":22536,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13104\/revisions\/22536"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/13105"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=13104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=13104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=13104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}