Being without a job is always a difficult situation. Not being able to count on the salary at the end of the month to meet your financial responsibilities is something that nobody wants. And this condition is even worse when the unemployed person is not physically able to perform some paid job, whether due to illness or accident.
In such cases, the contracted worker may apply for sick pay. However, in the case of the inactive person who is not contributing to the INSS? Can he claim the benefit? And how much will you receive?
What this article covers:
Unemployed and the right to INSS sickness benefit
It is not necessary to work and contribute monthly to the INSS to benefit from the benefits guaranteed by Social Security. Those who are unemployed can also benefit. But, for that, it is necessary to fulfill three requirements: to be in the category called “insured quality”, to have fulfilled the grace period and, also, to have proven the inability to carry out professional activities.
Illness aid: who is entitled
The term “insured quality” is given to every citizen who meets the minimum requirements to receive INSS benefits, in this specific case, sickness benefit. To be part of this group of people, it is only necessary for the individual to be registered with the INSS and who pays (or paid, in the case of the unemployed) regularly the contribution to social security.
It is also necessary that the grace period has been fulfilled. In general terms, the grace period is the minimum time that the worker needs to contribute to have access to social security benefits. This period is 12 months, except in cases of accidents and serious illnesses. In these specific situations, it is not necessary to have completed the grace period.
In addition, it is also important that the person proves that he is unable to work, that is, he is incapacitated. If you meet these requirements, then you have the right to apply for sick pay, even if you are unemployed.
How to get unemployed sick pay?
If you are unemployed, but fulfill the topics presented above, then don’t worry, you can apply for sick pay. For this, it is necessary to schedule a service at the INSS by calling 135 or through the institute’s portal, available in this link🇧🇷 It is also possible to do this through the My INSS application.
How is the value of the INSS sickness benefit for the unemployed?
The amount that will be received for the aid depends directly on the contributions made by the worker throughout the period worked in his life. In this case, the calculation is made using a simple arithmetic average: all the citizen’s contributions are taken and divided by the number of months in which he contributed.
For example: If a person has collaborated with the INSS for 96 months (eight years), the total value of that individual’s contributions will be divided by 96. The amount resulting from that account will still have a deduction based on a 91% rate. In addition, the amount of sick pay, as a rule, cannot exceed the average contribution of the last 12 months worked by the person who made the request.
Because of these details, it is common for the amount of sickness benefit received by the applicant to be below the average of his contributions made throughout his professional life.
Which unemployed person is not entitled to INSS sickness benefit?
Attention is needed to one detail: not everyone who is out of a job can receive the aid. This is because, in addition to being required to fulfill the requirements mentioned above (being in the “insured status” category, having completed the grace period and having proved that your condition makes you unable to work), you must also be within the so-called “period for free”, which can be explained as the period in which the unemployed person is insured by social security.
This time is “free” under certain conditions: if you simply become unemployed, then you will have one year of cover. If you have been fired, then you will have 2 years. If you have been dismissed and have already contributed, throughout your life, for at least 120 months (10 years) then this period will be three years.
Use this online calculator here and it will take into account the conditions described above in addition to the information provided by you.