The Ministry of Inclusion, Social Security and Migration is defining the details of the new regulation so that mutualists can integrate into Social Security by moving to the Special Regime for Self-Employed Workers (RETA). The rule aims to avoid what happened to many lawyers, who are the main ones affected by a contribution model that leaves them, upon retirement, with pensions of just 300 euros.
There are two new developments announced yesterday. The first is that the mandatory inclusion in the RETA will not affect situations of pluriactivity, such as those that may have doctors who work simultaneously in public and private healthcare. These professionals will be allowed to continue with a mutual insurance company if they wish.
The second measure mainly affects lawyers. People who were in a mutual society before the change from the collective capitalization system to an individual one will be included in the rescue of the funds or gateway, which in the case of lawyers occurred in 2005. At first it was said that the change would only be allowed to those who had contributed before 1996.
“We have encountered a sudden problem that affects mutual members,” explains the Minister of Social Security, Elma Saiz Delgado, in a video released by her department. The key is to provide a solution to “people who have not contributed enough to have social coverage.”
The Government plans to establish a minimum contribution in the regulatory change so that the situation that the lawyers denounce does not occur again. The amount of the mutual member’s contributions will be progressively increased, from the current 80% to 100% of the minimum base of the general scale of the self-employed regime.
New registered professionals will be required to register with the RETA starting in 2027. At that time, the option of alternative coverage with a mutual insurance company will be eliminated, except in cases of multiple activities.
