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All About “Pluriactividad” for Self-employed in Spain

Social Security

pluriactividad

[Figures updated to 16/02/2021]

You have probably heard about “pluriactividad”, but you don’t know exactly what it is and if in your case you can take it in to register as a self-employed. In today’s post, we solve all your doubts about it.

1. What is “pluriactividad”?

Yes, it is possible the “pluriactividad” for self-employed, that is to say, it is possible to have a contract and work for a company or another professional and at the same time carry out a professional or business activity on your own.

The “pluriactividad” is that situation in which are many self-employed workers who carry out two or more activities and who are obliged to contribute to more than one Social Security Scheme: in the General Scheme (work for others) and in the Self-employed Regime.

2. Bonuses for self-employed workers who work as employees simultaneously

There are bonuses for this group of self-employed that consist in the reduction of the contribution base. From 2015 on you can reduce your contribution base with the following percentages:

> With a full-time workday:

          – Up to 50% of the minimum contribution base. You can obtain this reduction during the first 18 months of your registration in Social Security.

          – Up to 75% of the minimum base. The next 18 months of your registration in Social Security.

> With a part-time workday: in the case that the pluriactivity is part-time, the reductions would be reduced to 75% and 85% respectively, that is to say:

        – Up to 75% of the minimum contribution base. You can obtain this reduction during the first 18 months of your registration in Social Security.

        – Up to 85% of the minimum base. The next 18 months of your registration in Social Security.

The bonus is incompatible with any other such as, for example, the flat rate of 60 euros. Although if you have the right to it, you can choose which one you prefer.

3. Requirements

To be able to opt for these reduced Social Security payments you must:

– Register for the first time in the Special Regime of Self-employed in Social Security (RETA).

– Start a pluriactivity situation due to said registration.

4. Returns for double contribution

When a self-employed worker simultaneously develops a job as an employee, and the contributions made by the employer to the Social Security plus those of the worker, together with the contributions to the RETA, they exceed an amount that is published each year in the Budget Law (latest published and current figure for the year 2020: € 12.917,37), the self-employed person has the right to reimbursement of 50% of the excess, with the limit of 50% of the payments made to RETA.

Previously, the self-employed had to request the return of this excess, but with the new regulation last October, Social Security must proceed to pay the reimbursement in each case corresponding before May 1 of the following year.

5. Women in “pluriactividad”

If you are a woman in a situation of “pluriactividad” and you are pregnant, the risk will be measured during pregnancy, taking into account whether the risk situation affects all the activities or not:

– If it affects all the activities, you will be entitled to the benefit in each of the schemes, provided that you meet the requirements required independently in each of them.

– If the risk situation does not affect all the activities carried out, you will be entitled to the subsidy only in the regime in which the risk activity is included.

6. 2 activities = 2 retirement pensions?

As long as you meet the requirements requested separately in each scheme you will be entitled to two pensions. If you are not registered in any of the schemes at the time of retirement, the requirement to obtain both pensions is to have been in both regimes for at least 15 years of your working life.


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