{"id":13524,"date":"2024-01-11T11:12:32","date_gmt":"2024-01-11T10:12:32","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=30511"},"modified":"2025-07-21T12:03:26","modified_gmt":"2025-07-21T10:03:26","slug":"incapacity-for-work-leave","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/baja-por-incapcidad-laboral\/","title":{"rendered":"Does life insurance cover sick leave due to disability?"},"content":{"rendered":"

Disability at work can happen to anyone, so it is essential that we know how to protect ourselves against it.<\/p>\n

Again, they are the self-employed are most disadvantaged<\/strong>The difference in pensions between employees and the self-employed in the event of incapacity is very high.<\/p>\n

Let's see why it is important to take out good insurance to complement!<\/p>\n

Differences in occupational disability pensions between the self-employed and employees<\/h2>\n

As we have already advanced, there is a There is a big difference between what an employee would receive in the event of incapacity and what a self-employed person would receive in the event of incapacity.<\/strong><\/p>\n

Let us assume that a worker suffers a permanent disability. If he\/she were employed, he\/she would receive, on average, about 1,187 euros per month. On the other hand, if they were self-employed, they would receive an average of 842 euros per month. In other words, 330 euros less<\/strong>.<\/p>\n

What types of incapacity are recognised by Social Security?<\/h2>\n

There are 5 types of incapacity for work<\/a> recognised in the Social Security system:<\/p>\n

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  1. Temporary incapacity:<\/strong> is when the worker suffers an accident or illness. It is possible to return to work within a shorter or shorter period of time.<\/li>\n
  2. Partial incapacity:<\/strong>\u00a0does not completely prevent work, but it reduces the performance to 33% permanently.<\/li>\n
  3. Total permanent disability:<\/strong> the worker can no longer carry out his or her usual occupation, but can work in a different job.<\/li>\n
  4. Absolute permanent disability:<\/strong> the difference with the previous one is that it completely prevents from carrying out the usual profession and any other profession.<\/li>\n
  5. Major disability:<\/strong> in this case, not only is the worker unable to carry out any professional work, but he\/she also needs the assistance of another person for day-to-day tasks (eating, driving, dressing, etc.).<\/li>\n<\/ol>\n

    Types of insurance covering these disabilities<\/h2>\n

    These are the insurances that would cover a sick leave due to incapacity for work:<\/p>\n