Social
Security
does not pay the bills with self-
employed workers
.
What he has received so far with his contributions is only enough to pay half of what he spends on public pensions for this group, one of the reasons why the Ministry is now working with the associations on a
reform of the system.
The Social Security budget data confirm the
hole
, which exceeds
10,000 million euros each year
. According to the budgets of this administration for the year 2022,
income from social contributions
of self-employed workers in the country will amount to
12,017 million euros
this year , but Social Security will have to assume
disbursements of 22,442 million euros
in the payment of benefits for this group.
The
resulting
deficit , of
10,425 million
, will be mitigated in part with
transfers from the State,
recurring each year and which in 2022 will
amount to 4,875 million euros,
with which
the final gap remains at 5,468 million.
The
gap between income and expenses
is much
higher
for the self-employed than for the
salaried
: the latter will report income via social contributions to Social Security for 114,306 million euros, according to calculations by the Ministry of José Luis Escrivá, while spending on pensions for retirees of the General Regime will be 135,598 million. If we add the 19,477 million that Social Security will receive from the State and the 734 million that it will enter for other concepts,
the deficit of this regime will be 1,081 million,
well below that of the self-employed.
This gap occurs mainly because
the majority of self-employed workers have chosen to contribute for the minimum contribution base
, which considerably reduces income and aggravates the difficulties of the system in paying the pensions of self-employed workers who are now retired.
To alleviate it and also ensure that today's self-employed have better protection the day they retire, the Ministry wants to
reform the quota system
to lower the contribution of the self-employed who have lower net income (less than 900 euros) and raise considerably the contribution of those who enter more than 1,300 euros per month.
If the proposed reform, which delimits
13 different sections
, goes ahead and comes into force from 2023, it will report
additional annual income to Social Security of about 2,000 million euros
, as calculated by the Union of Professionals and Self-Employed Workers (
UPTA
, the second most representative association in the sector) for El Mundo.
Autonomous sections 2022
Minister Escrivá already announced when he presented his pension reform that this change in the RETA model would barely
contribute a few tenths of savings to Social Security
-specifically, two-, which
will not be enough
to close the hole of 10,000 million .
This large deficit is likely to increase even more in the coming years, as
the self-employed of the baby boomer generation retire
, hence Social Security needs extraordinary income from 2023.
Although a higher contribution from the self-employed will imply higher benefits in the future,
the impact on the accounts will be deferred
over time since the system is distributed based on intergenerational solidarity (with the contributions of today's self-employed, pensions are paid of today's self-employed retirees, not their pensions of tomorrow).
The proposal, in any case, is not definitive since it
is being debated with the main self-employed associations
(ATA, UPTA and UATAE), which have very different positions.
Some of the ideas that these associations have put on the table, such as that of including the workers assigned to
the artist's statute
in the self-employment regime , proposed by
UPTA
, would serve to fatten up Social Security income even more, since although Very low contributions are requested for them, around
80,000 people would be added to the group.
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Know more
Social Security
self-employed
economy
Jose Luis Escriva
Public deficit
Self-EmployedEscrivá's proposal confronts self-employed associations, which show their differences at the table
EmploymentThe private sector still has 100,000 fewer workers than before the crisis
Social Security The Government has only spent 1,730 million euros on the Minimum Income of the 3,000 budgeted for 2021
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