{"id":13287,"date":"2024-03-03T13:00:13","date_gmt":"2024-03-03T12:00:13","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=2907"},"modified":"2025-06-03T09:18:05","modified_gmt":"2025-06-03T07:18:05","slug":"three-disadvantages-of-being-self-employed","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/tres-desventajas-de-ser-autonomo\/","title":{"rendered":"3 disadvantages of being self-employed How to deal with them?"},"content":{"rendered":"

We are more than 3 million self-employed in Spain<\/strong>. Specifically, 3,149,040 members of the Special Regime for Self-Employed Workers<\/strong> (hereinafter, RETA<\/strong>). For a year now, there are already 38,444 more brave people, which is very positive, because we are characterised by being enterprising, and that is always a good thing.<\/p>\n

Main disadvantages of self-employment<\/h2>\n

Today, we will look at three differences <\/strong>we have for salaried workers<\/strong>, which are classified in the General Regime, and of which we are not satisfied:<\/p>\n

1. Dissociation between income and contributions<\/h3>\n

As a self-employed person, we may be lucky enough to earn, for example, \u20ac2,000 per month or, like the vast majority, less than \u20ac800 between expenses and other obligations associated with being self-employed. Either way, on the one hand, our income and, on the other hand, our social security contributions.<\/strong> (which in the 86% of cases<\/strong>, we are availing ourselves of the minimum contribution: \u20ac893.10 in 2016<\/strong>). In itself, this is already unfair, as it will mean that we will either pay more than we should or less, which ties in with the second disadvantage of the self-employed as opposed to the salaried worker.<\/p>\n

\"Frustrated<\/p>\n

2. Lower contributions mean lower benefits<\/h3>\n

Indeed, to quote for 999.27 euros, which is the average for the self-employed, compared to 1,703.71 euros for employees.<\/strong>, The consequence of this is that all the benefits offered by the Social Security: retirement pension, temporary sick leave due to illness or accident, widow's and widower's pensions, orphan's pensions, unemployment, etc., will be a 40% lower.<\/strong> In this article we talked about the lower pension for the self-employed<\/a> as opposed to the employed person.<\/p>\n

This, of course, requires us to take out a series of insurance policies to complement our very basic benefits.<\/strong> in the event of any contingency. In the case of paying the minimum contribution (we have already said that this is the case for the 86% for the self-employed), let's look at some examples of these benefits:<\/p>\n