Self-employment is a good alternative to find new job opportunities or materialize a new project, being an interesting way out of unemployment for many people. Now, at this time it is normal for many doubts to overwhelm you: What will happen to my unemployment? will i lose it Can I collect the benefit if I register as a self-employed person? At present, the measures that have been implemented to create employment and support entrepreneurs make it possible to make registration as self-employed and unemployment compatible, with nuances and exceptions. We review the existing alternatives and how to carry out these procedures through the Internet.
Reconcile unemployment and self-employment
Mainly, when it comes to making unemployment and self-employment compatible, we have two alternatives: the capitalization of unemployment or a single payment and continuing to collect the benefit after having registered as self-employed. We review both options so that you can assess which one you can take advantage of and the steps to follow to request it.
Make unemployment in monthly payments and registration compatible
This is the ideal alternative for all those new freelancers who want to ensure a regular monthly income while they launch their own activity. In this case Unemployment benefit continues to be collected in monthly installments while the activity is carried out, with which the self-employed person ensures a constant income at the end of the month.
With this measure it is possible to make registration in the Special Scheme for Self-Employed Workers (RETA) compatible with continuing to collect unemployment. The measure makes it possible to have this benefit with a maximum term of 270 days or 9 months, or the time pending receipt of the benefit.
In addition, if before you reach month 9 you cease your activity on your own, you will be able to continue receiving unemployment. If you continue as a self-employed person, your benefit will be suspended for up to 60 months. If before those 60 months have passed, you cease to be self-employed, you can continue receiving unemployment benefits, otherwise, the right to receive this benefit will be extinguished.
Likewise, if when you stop your activity Self-employed, you have the right to benefit for cessation of activity, you can choose between this new benefit or the right to suspended unemployment benefit (if those 60 months have not yet passed).
To request the compatibility of unemployment with registration as self-employed you will have to send the request within 15 days that happen at the start of your new activity. Otherwise you will not be able to obtain compatibility, so it is key to do so in these times.
In addition, you can carry out this procedure electronically from the new registration form SEPE pre-application. Once inside you must request the option “Notification of self-employment compatibility” located within the first section “Pre-application for individual benefit”.
This is a new system that SEPE has activated to be able to procedures through the Internet for which you will not even need the digital certificate. In the observations we must add all the indications that we want to add. When they receive your request, they will process it and contact you by email or by phone if they need any extra documentation or clarify any of your information.
Capitalize on unemployment
Capitalizing unemployment or choosing the single payment you will receive all or part of the outstanding amount of your unemployment benefit in a single payment, being a good alternative to start a project.
this option allows you to collect the entire delivery in a single payment, although to be able to take advantage of it you must have at least 6 months of unemployment benefit pending payment. In the same way, you have to start your self-employed activity within a period of one month from the capitalization of the subsidy and you must not have received the single payment in the last four years.
In addition, if we choose this option, we must document that we are going to use the capitalization of the benefit to finance our new project (for the purchase of assets, contracts, expenses, to pay the self-employed fee or both at the same time), which we should not do if we choose the first option and continue to receive the benefit monthly.
Applications can also be submitted electronically through the SEPE electronic headquarters. We need to fill out the single payment request document and attach the documents that we will find in the help window. Subsequently, we will have to provide supporting documents and invoices to prove the investment made or how the amount of the benefit will be used (to pay social security contributions or to finance the initial investment).
There are some exceptions when it comes to making unemployment and self-employment compatible:
- If you register as a self-employed person and sign a contract with employer for which you would have lent paid services before the start of your legal unemployment situation (not even if it is the same business group).
- If you have perceived the unemployment capitalization in the 24 months prior to the start of this new activity.
- If your last job was also for own account.
- If you have accepted this measure again in the 24 last months.