{"id":2374,"date":"2022-07-15T14:01:18","date_gmt":"2022-07-15T14:01:18","guid":{"rendered":"https:\/\/caralticonesa.com\/?p=2374"},"modified":"2022-10-17T14:24:24","modified_gmt":"2022-10-17T14:24:24","slug":"coneixes-la-cobertura-d-invalidessa-de-la-teva-asseguranca-de-vida-com-autonom","status":"publish","type":"post","link":"https:\/\/caralticonesa.com\/ca\/coneixes-la-cobertura-d-invalidessa-de-la-teva-asseguranca-de-vida-com-autonom\/","title":{"rendered":"\u00bfCONEIXES LA COBERTURA D\u2019 INVALIDESSA DE LA TEVA ASSEGURAN\u00c7A DE VIDA COM AUT\u00d2NOM?"},"content":{"rendered":"<h5>La majoria d\u2019aut\u00f2noms\u00a0 tenim unes cobertures prec\u00e0ries en cas d\u2019invalidesses absolutes i professionals , la causa principal es la baixa quota de cotitzaci\u00f3 que es paga a la Seguritat Social.<\/h5>\n<h5>Exemples de prestacions per treballadors a compte propia AUT\u00d2NOMS<\/h5>\n<h5>Un aut\u00f3nom que cotitzi\u00a0 la quota m\u00ednima\u00a0\u00a0 en cas d\u2019una\u00a0 invalidessa ,percebria les seg\u00fcents pensions d\u2019 invalidessa:<\/h5>\n<h4><strong>Gran invalidessa<\/strong><\/h4>\n<h5>Gran invalidessa = 1.221,23 \u20ac \/ MES<\/h5>\n<h5>A efectes de prestaci\u00f3 de la Seguritat Social , es caracteritza pel fet que el treballador necessita l&#8217;ajut d\u2019una tercera persona per dur a terme les activitats b\u00e0siques de la vida diaria.<\/h5>\n<h4><strong>IPA\u00a0 Incapacitat permanent absoluta<\/strong><\/h4>\n<h5>Incapacitat Absoluta = 814,15 \u20ac \/MES<\/h5>\n<h5>Es aquella invalidessa que afecta a una persona de manera f\u00edsica irreversible i amb car\u00e0cter permanent per al desenvolupament de qualsevol activitat profesional.<\/h5>\n<h4><strong>IPT Incapacitat permanent total-professional<\/strong><\/h4>\n<h5>Incapacidad Professional =447.78 \u20ac\/MES<\/h5>\n<h5>Es aquella invalidessa que afecta a una persona de manera f\u00edsica irreversible, amb car\u00e0cter permanent i impossibilita la realitzaci\u00f3 de la seva professi\u00f3 habitual.<\/h5>\n<h5>Tenint en compte\u00a0 que\u00a0 fa\u00a0 25 anys es concedien 381.617 pensions\u00a0 IPA\u00a0 Incapacitat permanent absoluta\u00a0 per\u00a0\u00a0 394.851 pensions per IPT incapacitat permanent total \u2013professional,\u00a0 i que ara al 2022 per\u00a0 322.533\u00a0 IPA\u00a0 hi ha 592.742 IPT , el que ens indica que el criteri del Inss , es otorgar menys incapacitats absolutes i m\u00e9s de permanents invalidesses professionals amb prestacions molt m\u00e9s baixes.<\/h5>\n<h4>DADES\u00a0 TIPUS D \u2018 INCAPACITATS CONCEDIDES EN 2022<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2307\" src=\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2022\/07\/Captura-300x175.png\" alt=\"\" width=\"455\" height=\"265\" srcset=\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2022\/07\/Captura-300x175.png 300w, https:\/\/caralticonesa.com\/wp-content\/uploads\/2022\/07\/Captura.png 428w\" sizes=\"(max-width: 455px) 100vw, 455px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h5>Per aquest motiu\u00a0 ens pot ajudar a paliar la infracobertura que la Seguretat Social ,i contractar una <a href=\"https:\/\/caralticonesa.com\/seguros-particulares\/vida\/\">asseguran\u00e7a de vida<\/a> amb la cobertura de\u00a0 invalidessa professional, a traves de la <a href=\"https:\/\/caralticonesa.com\/\">vostre correduria d&#8217;assegurances.<\/a><\/h5>\n<h5>Desde la nostre correduria, observem que quan tenim la possiblitat d&#8217; explicar la diferencia entre les diverses invalidesses , els assegurats empresaris i aut\u00f3noms ,asseguren aquesta contingencia,ja que el cost d&#8217; aquesta cobertura es m\u00ednim i queda justificat pel tipus de cobertura.<\/h5>\n<h5>Recomanem a tots el empresaris i aut\u00f2noms que treballant per compte propia, revisin les seves assegurances de\u00a0 vida\u00a0 \u00a0i adaptin les cobertures d&#8217; invalidessa a les Invalidesses Permanents Totals.<\/h5>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La majoria d\u2019aut\u00f2noms\u00a0 tenim unes cobertures prec\u00e0ries en cas d\u2019invalidesses absolutes i professionals , la causa principal es la baixa quota de cotitzaci\u00f3 que es [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfCONEIXES LA COBERTURA D\u2019 INVALIDESSA DE LA TEVA ASSEGURAN\u00c7A DE VIDA COM AUT\u00d2NOM? 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