How to get a disability pension if you haven’t contributed enough

To receive a permanent disability pension, the hypothetical beneficiary is sometimes required to justify a level of contribution which, if not reached, obliges him to seek other alternatives. All, yes, within the framework of the protective action of Social Security.

In these cases, the agency plans to collect the non-contributory invalidity pensionwhich is granted to people who need financial assistance in a situation of certain disability but who, for whatever reason, have not been able to meet the contribution criteria required for permanent disability.

This problem can arise in workers whose disability is due to a common illness, a context in which prior contribution periods are required of workers and which depend on the type of degree of permanent disability that has been approved.

If it is impossible to meet these conditions, the worker may receive the non-contributory invalidity pension. On the IMSERSO website, this benefit is defined as that which “provides all citizens with disabilities and in a state of need with an economic benefit, free medical and pharmaceutical assistance and complementary social services, even if they do not have not contributed or have done so insufficiently to be entitled to a contributory pension.

Conditions for receiving the non-contributory invalidity pension

However, in order to receive the non-contributory invalidity pension, it is not enough to simply prove that the required contribution has not been reached. The system requires its beneficiaries to comply with the other additional requirements:

-To have income in annual calculation less than 5,899.60 euros. The amounts increase in the case where the cohabitation unit is made up of several people, provided that they are at most of the second degree of affinity or co-blood (spouses, sons or daughters, father or mother, grandfathers or grandmothers, grandsons or granddaughters). .

Thus, the income ceiling is 10,029.32 euros per year for two members, 14,159.04 euros per year for three members and 18,288.76 euros per year for four or more people. But, if one of their children or parents lives among these members, the ceiling increases further: 25,073.30 euros per year for two members, 35,397.60 euros per year for three members and 45,721.90 euros per year for four or more members. .

-To have between 18 and 64 years oldsince from the age of 65, the citizen can be entitled to a retirement pension (the non-contributory in the event of insufficient contribution for the contributory).

–Reside in Spanish territoryhave done so for at least five years and at least during the two years immediately preceding the pension application.

Amount of non-contributory invalidity pensions

These benefits were increased by 3% for 2022, after the approval of the general state budgets. After this increase, the amounts of non-contributory invalidity pensions are as follows (in 12 installments and two additional installments):

-The full rate pension is 421.40 euros per month and 5,899.60 euros per year.

-The full rate pension increased by 50% (for incapacities of at least 75%) is 632.10 euros per month and 8,849.40 euros per year.

-The minimum pension, 25%, is 105.35 euros per month and 1,474.90 euros per year.

-If there are two members of the same family unit entitled to a pension, the amount will be 358.19 euros per month and 5,014.66 euros per year.

– If there are three or more members of the same family unit entitled to a pension, the amount for each of them is 337.12 euros per month and 4,719.68 euros per year.