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Financial assistance for cessation of activity for self-employed workers

Self-employed workers will be eligible for the following benefits from 1 January 2023:​

Ordinary cessation of activity benefit for self-employed workers who temporarily or permanently cease their self-employed activity.

The Benefit for Termination of Activity of Self-employed Workers is a specific system designed to protect self-employed workers that have fully terminated their economic or professional activity on a permanent or temporary basis(only in legally and statutorily taxed situations) involuntarily or for one of the reasons specified in legislation.  

  • Financial, technical, organisational or production-related causes.  
  • Force majeure. 
  • Loss of administrative permit. 
  • Domestic violence. 
  • Divorce or marital separation agreement. 

  • Registered in the special regime.  
  • Minimum contribution period of at least twelve months within the twenty-four months immediately preceding the cessation of activity, including the month of the event giving rise to the benefit 
  • Commitment to activity and active willingness to return to the labour market. 
  • Not be entitled to the contributory retirement pension.  
  • Be up to date with payments of contributions in the special scheme and comply with labor obligations if you have employees under your charge.

The benefit can be requested by completing and submitting the form to FREMAP. application form.

Ordinary benefit due to partial termination of self-employed activity, which is compatible with reduced working hours.

Whenever there is a declaration of emergency adopted by the competent public authority, which affects the activity of a sector or workplace, and which causes the self-employed worker to experience a drop in income of at least 75% compared to the same period of the previous year, provided that the monthly income does not reach the minimum interprofessional wage or the amount of the base on which they were contributing, if this was lower.

  • Furthermore, the same access requirements as in the ordinary benefit for definitive cessation of activity must be met, except for the deregistration from the special scheme, in this case allowing compatibility of the benefit with the reduced continuity of self-employment activity.
  • The provisions of Article 331.1.b) of the General Social Security Law apply.
  • The amount of the benefit will be 50% of the regulatory base, made up of the average of the bases for which contributions were made during the twelve continuous months immediately prior to the legal situation of cessation, without applying maximum or minimum limits depending on the family circumstances of the beneficiary. The maximum period to receive the benefit will depend on the previous contribution for termination of activity, in the same way as with the ordinary benefit for the permanent termination of activity
  • The benefit can be requested by completing and submitting the form to FREMAP. application form.

Provided that:

  • At least 60% of the working hours of all employees must be reduced, or alternatively, at least 60% of them must have their working hours suspended.
  • Ordinary income or sales have experienced a year-on-year reduction of at least 75% in the two fiscal quarters prior to the application submitted to the tax administration. 
  • The monthly net income of the self-employed worker during these quarters from all the economic, business or professional activities is less than the minimum wage or the contribution basis the individual was paying, if lower. 

Furthermore, the same access requirements as in the ordinary benefit for definitive cessation of activity must be met, except for the deregistration from the special scheme and the closure of the establishment, in this case allowing compatibility of the benefit with the reduced continuity of self-employment activity.

The provisions of Article 331.1.a).4 of the General Social Security Law apply. 

The amount of the benefit will be 50% of the regulatory base, made up of the average of the bases for which contributions were made during the twelve continuous months immediately prior to the legal situation of cessation, without applying maximum or minimum limits depending on the family circumstances of the beneficiary. Together with the financial benefit, the mutual insurance company will pay the beneficiary directly 50% of the fee to the special scheme, and the beneficiary must be responsible for all of his contributions to the General Treasury of Social Security. The maximum period to receive the benefit will depend on the previous contribution for termination of activity, in the same way as with the ordinary benefit for the permanent termination of activity. 

The benefit can be requested by completing and submitting the form to FREMAP. application form.

Provided that:

  • There are outstanding debts with creditors (excluding debts for non-compliance with Social Security and tax obligations) for a total amount exceeding 150% of ordinary income or sales during the two fiscal quarters prior to the application.
  • Revenue or sales must have experienced a reduction of at least 75% in the aforementioned periods compared to the same periods of the previous year or years.
  • The monthly net income (excluding debts associated with Social Security and tax obligations) during these quarters from all economic or professional activities is less than the minimum wage or the contribution basis the individual was paying, if lower.

Furthermore, the same access requirements as in the ordinary benefit for definitive cessation of activity must be met, except for the deregistration from the special scheme and the closure of the establishment, in this case allowing compatibility of the benefit with the reduced continuity of the self-employed activity.

The provisions of Article 331.1.a).5 of the General Social Security Law apply.

The amount of the benefit shall be 50% of the contribution basis, calculated using the average of the bases for which contributions were made during the continuous twelve-month period immediately prior to the termination of activity. No high or low limits shall apply, depending on the family circumstances of the recipient. Together with the financial benefit, the mutual insurance company will pay the beneficiary directly 50% of the fee to the special scheme, and the beneficiary must be responsible for all of his contributions to the General Treasury of Social Security. The maximum period to receive the benefit will depend on the previous contribution for termination of activity, in the same way as with the ordinary benefit for the permanent termination of activity.

The benefit can be requested by completing and submitting the form to FREMAP. application form.