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WORKING IN SPAIN

The types of state aid that self-employed parents in Spain can apply for

Whether it be maternity pay, tax relief or supplements to minimum income, Spain has several government aids and incentives that self-employed parents can access.

The types of state aid that self-employed parents in Spain can apply for
Photo: Firmbee.com/Unsplash.

Being self-employed in Spain can feel like an uphill battle at the best of times. Whether it be the complicated (and some might say rather high) tax brackets or monthly social security payments, being autónomo can be tough.

If you’re also a parent, freelance life can be even more of a challenge. Fortunately, in Spain there are several different sorts of state aid that self-employed workers with dependent children can access, which include different benefits and allowances.

All these subsidies require the beneficiaries to be registered in Spain’s Special Regime for Self-Employed Workers (RETA), reside in Spain, and have parental responsibilities.

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Maternity and paternity pay

Self-employed parents in Spain are entitled to 16 weeks of maternity leave. This period is counted from the day of birth and can be extended if there are hospitalisations or multiple births.

During this time, the childbirth and childcare pay works out equivalent to 100 percent of the regulatory base for self-employed workers.

Sources from Spain’s Social Security Ministry explained to Autónomos y Emprendedores, a website for the self-employed and entrepreneurs in Spain, that the base calculation is “made in a similar way to how the allowance is calculated when self-employed workers are temporarily unable to work due to illness or accident.”

Both parents can access this aid during the weeks corresponding to maternity and paternity leave. In order to apply, you must be registered in the Social Security system and meet a minimum contribution requirement, which varies according to age.

READ ALSO – GUIDE: How to register with Spain’s social security system

Return to work tax subsidy

When returning to self-employment within two years of maternity leave, mothers in Spain can also benefit from the flat rate for an extended period of 24 months, instead of the usual 12 months.

Tax discounts for large families

There’s also a tax deduction designed for large families with a self-employed parent, which is applied to an annual tax return or paid as a monthly advance payment. It works out to €100 per month for large families (three or four children) or with disabled children, and €200 for large families with five or more children.

In order to qualify for the tax discount, you must have the official certificate accrediting the status of a large family and be registered with Social Security, although in the case of large families, it also applies to unemployed people receiving subsidies and pensioners.

Tax relief for hiring a family carer

If you need to hire someone to help out with childcare or family life, there is a 45 percent rebate on social security contributions available for single parents and parents in large family units.

READ ALSO: Long hours and little pay: What it’s like to be self-employed in Spain

The ‘Childcare Cheque’

Self-employed mothers can also apply for the ‘Childcare Cheque’ (known as Cheque Guardería in Spanish) a rebate that allows them to save up to €1,000 per year on childcare costs. It is available to all mothers with children under the age of three, regardless of their tax bracket threshold, so includes women who run their own business.

The deductible amount is calculated on the basis of social security contributions previously paid by the mother and the number of months the child has been in school.

Minimum income supplement for children

Spain’s Ministry of Social Security defines the Minimum Vital Income (IMV) as a “benefit aimed at preventing the risk of poverty and social exclusion for single persons or persons in cohabitation units without sufficient economic resources to cover their basic needs”

Parents or families with minors in their care receiving IMV can get up to €115 per month extra as a supplement.

IMV supplement thresholds

The amount of the supplement depends on the age of the child. The amount varies according to the age of the children, specifically, their age on January 1st of the corresponding financial year, and there are three different thresholds:

0-3 years old: €115.
3-6 years old: €80.50.
6-18 years old: €57.50.

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For members

HEALTH

How many hours do I have to work to get access to public healthcare in Spain?

A common question among those wanting to move to Spain is if they will have access to the Spanish public healthcare system even if they only work part time or a few hours a week.

How many hours do I have to work to get access to public healthcare in Spain?

In order to understand the answer to this question, you need to be aware of several rules on who has the right to public healthcare in Spain. 

In Spain, you have the right to access public healthcare under the following circumstances:

  • You are an employee or self-employed and are affiliated and registered with the social security system
  • You receive Spain’s state pension
  • You are the recipient of benefits, including unemployment benefits or subsidies.
  • You have exhausted your unemployment benefit or subsidy or other benefits of a similar nature and are unemployed and residing in Spain
  • Children under the age of 15
  • Students under the age of 26

You also have the right to healthcare if your spouse pays into the social security system or if you’re pregnant.

READ ALSO: Does permanent residency in Spain equal free public healthcare?

But what happens if you are an employee, but you only work part-time, does the number of hours you work affect whether you have the right to public healthcare coverage?

Even if you work part-time (or media jornada in Spanish), you will still be paying into the social security system automatically – part of it from your salary and part of it from your employer.

Therefore you will be affiliated in the social security system as in point one above. 

According to stats from Spain’s National Statistics Institute (INE), a total of 6.6 percent of men in Spain in 2022 worked part-time and 21.6 percent of women. In September 2023, there were 2.9 million part-time employees in the country.

As far as social security is concerned, those who work part-time benefit the same as those working full-time when it comes to national healthcare, regardless of the length of their day. Part-time contributions count as one full day when it comes to paying social security.

READ ALSO: What to be aware of before accepting a part-time job in Spain

This rule, equating part-time work to full-time work was brought into force on October 1st 2023 in order to try and help reduce the gender pay gap in Spain, but was designed with the pension system in mind rather than national health coverage.

The advantage is that it also benefits those who want to work part-time and still be able to access healthcare. Even before this was brought into force, however, those working part-time and paying social security were still covered. 

All this means that there isn’t a specific number of hours you must work in order to be able to be covered under the Spanish healthcare system, and as long as you’re paying social security or fall into one of the categories above, you will be able to benefit from it.

Remember that if you’re not employed or self-employed in Spain and don’t have a spouse who is either, then you may not be covered.

To get around this you can either join a programme such as the S1 scheme for British pensioners or pay the convenio especial in order to benefit from public healthcare. For this, you will pay a monthly fee of €60 if you are under 65 and €157 if you are over 65. 

If none of these options are available to you or the requirements of your visa say so, then it’s necessary to get private health insurance instead.

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