When a person has a total permanent disability, this prevents him from carrying out, either due to illness or disease, a normal work function, and thus receives a pension for this reason. However, when it comes time to retire, the pension you receive is commensurate with your disability. But, what you may not know are the advantages of being a pensioner due to total permanent disability.
If right now you are receiving a total permanent disability pension, if you are already a total permanent disability pensioner or you know someone in this situation, you will be interested to know what benefits it entails.
What is a total permanent disability
According to the Social Security website, Total permanent disability is one that disables the worker to carry out the work that they have been carrying out on a regular basis. But it does not prevent you from dedicating yourself to a different job.
In other words, we are talking about this person being unable to continue performing their job because they cannot perform certain functions of it. However, you could continue working in another job where you can perform the necessary functions.
For example, a driver with poor eyesight. He could not continue working but he could do other work where his lack of complete vision (100%) did not affect.
What are the advantages of being a pensioner for total permanent disability
You should know that, unlike with other groups, a total permanent disability pensioner can continue to work in jobs that are different from the one they held, with which in addition to his pension, he would receive another type of income.
However, it is not the only advantage or benefit that you can access, there are many more.
Aid for the economic protection of the person
As a total permanent disability pensioner you have a series of grants that you can request, between them:
- Aid to acquire a home. Specifically, they would be the officially protected homes and what they do is give you an aid to pay the entrance of the property, as well as a subsidy of the interest of the loan that you request.
- Help for large families.
- Help if you have disabled members in your family unit.
- Tax benefits, which are reflected both in the Income Statement and when paying personal income tax.
- Aid for freelancers, in the event that you had been active in this scheme.
- Vehicle aids. If you buy a new vehicle, you have a registration help in addition to the super reduced VAT, that is, 4%.
- Extraordinary unemployment benefits.
The benefit of the disability pension
Another benefit of being a total permanent disability pensioner is the collection of the pension, which is usually higher than that of a normal pension.
To give you an idea, in total permanent disability (IPT) a pension of 55% of the regulatory base is obtained, increased by between 20 and 75% if at the time of turning 55 you were not working (it is the so-called total qualified permanent disability).
Access to scholarships
Knowledge does not occupy a place, and also does not have an age. So you might want to study something new and, for this, many public schools have a Percentage of scholarships that go to people with disabilities.
Access to places reserved for labor insertion
As is the case in educational centers, companies also have places in the workplace that are reserved for people with disabilities.
In fact, When a company has more than 50 workers, at least 7% of the positions must be occupied by people with disabilities.
Keep in mind that being a pensioner does not limit your ability to work (as long as it is not the same job for which the pension was granted).
Aid to adapt the home or vehicles
When you have a total permanent disability, there are certain activities or needs that a normal house or vehicle cannot satisfy. To solve this, money would have to be invested in adapting the home or vehicle to the mobility needs of that person. And that implies a large amount of money that, in most cases, a pensioner cannot afford.
Therefore, one of the benefits you get is apply for help to adapt homes and vehicles. These works can be subsidized, either completely, that is, without having to pay anything; or partially. What does it depend on? Well, the degree of income you have as well as the disability.
Disabled parking card
This card allows a person with a total permanent disability, or a pensioner with IPT, can park in the spaces reserved for the disabled or, if it is not close to your work area or your habitual residence, request that one be installed (often for the exclusive use of that person).
Aid for the acquisition of medicines
According to Law 13/1982, on the social integration of people with disabilities, pensioners with IPT have the right to purchase medicines at a reduced price.
In fact, in the law itself maximums are established to pay in long-term or chronic treatments, in addition to another reduction according to the income and disability of each beneficiary.
Grants for medical equipment
Any pensioner for total permanent disability may need medical equipment, such as wheelchairs, articulated beds, prostheses, etc. And in turn they can ask for help for the partial or total payment of this equipment.
In addition, it is not only for new ones, but if you have to renew the ones you already had, you can also apply this benefit.
Other types of aid
In addition to the aids that we have discussed, there are also others that you can access as an IPT pensioner, such as:
- For public transport. With different subscriptions at prices lower than normal and set according to the Autonomous Community.
- Cultural events. There are discounts for people with disabilities, for example tickets at lower prices, or free, discounts, benefits, etc.
As you can see, there are many advantages of being a pensioner for total permanent disability. Our best advice is that you approach your City Council so that they can inform you since there may be more benefits in the Autonomous Community where you reside and they are the ones who can best inform you and even help you apply for these grants.