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¿Qué es la Gran Invalidez? ¿En qué casos se concede?

la pensión de gran invalidez

Cuando una persona posee una incapacidad permanente y además necesita del cuidado de otra para realizar las tareas comunes básicas como pueden ser comer o vestirse, se considera que se encuentra en situación de gran invalidez. Te contamos en qué consiste exactamente.

1. ¿En qué consiste la gran invalidez?

Tal y como adelantábamos, la gran invalidez consiste en la situación a la que llega un trabajador afectado de una incapacidad permanente que debido a pérdidas funcionales o anatómicas necesita del cuidado de una persona para que le ayude en las tareas básicas diarias como vestirse, desplazarse o comer.

Para que una persona se encuentre en esta situación, no es necesario que previamente tenga reconocida la incapacidad permanente absoluta, así como tampoco que venga precedida de una incapacidad temporal, sino que basta únicamente el Dictamen de un Equipo de Valoración de Incapacidades (EVI).

La situación de gran invalidez requiere de los cuidados y atención de otra persona para ayudar en las tareas básicas diarias como vestirse, comer o desplazarse.

De los cuatro grados existentes para determinar las prestaciones por incapacidad permanente, la gran invalidez supone el grado más alto, frente a la incapacidad permanente parcial que se considera el grado más bajo seguida de la incapacidad permanente total.

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2. Requisitos para cobrar la pensión de gran invalidez

Cuando el trabajador ha sido declarado en esta situación, puede solicitar a la Seguridad Social una prestación de gran invalidez, pero para ello, es necesario que además acredite los requisitos siguientes:

En primer lugar, debe haber sido declarado en situación de gran invalidez por alguna de las causas siguientes:

  • Accidente de trabajo.
  • Enfermedad profesional.
  • Accidente no laboral.
  • Enfermedad común.

Además:

  • Estar afiliado a la Seguridad Social.
  • Encontrarse en situación de alta, asimilada al alta o no alta.
  • No haber cumplido la edad prevista para jubilarse. En caso de que ya la tenga, no puede reunir los requisitos necesarios para acceder a la pensión de jubilación contributiva si la incapacidad deriva de contingencias comunes.
  • Haber cotizado un periodo mínimo que variará en función de la edad y de la causa que ha originado la gran invalidez:
Enfermedad común y en situación de alta o asimilada al alta
Menor de 31 años
  • Periodo genérico: la tercera parte del tiempo entre los 16 años y el hecho que origina la gran invalidez.
  • Periodo específico: No se exige.

 

31 años o más
  • Periodo genérico: un cuarto del tiempo desde que cumplió los 20 años hasta el momento del hecho que causa la gran invalidez, con un mínimo de 5 años.
  • Periodo específico: un quinto de ese periodo debe estar comprendido en los 10 últimos años anteriores a la situación de gran invalidez.
Enfermedad común o accidente no laboral en situación de “no alta
Periodo genérico 15 años
Periodo específico 3 años en los últimos diez

En los casos de accidente de trabajo o enfermedad profesional no se exige el requisito de cotización.

3. Cuantías a percibir

El importe que percibirá el trabajador afectado de una gran invalidez, será el que se corresponda con la incapacidad permanente absoluta más un complemento que servirá para remunerar a la persona que lo atienda.

Para calcular el complemento, se sumará el 45% de la base mínima de cotización del régimen general en el momento en que tiene lugar el hecho que origina la gran invalidez, independientemente del régimen en el que se le reconozca, más el 30% de la última base de cotización del trabajador que se corresponda con la contingencia de la que haya derivado la situación de incapacidad.

Este complemento no podrá ser inferior al 45% de la pensión que le corresponde por incapacidad permanente absoluta.

4. Suspensión y extinción de la gran invalidez

Existen determinados supuestos en los que la pensión de gran invalidez puede suspenderse y extinguirse:

Suspensión

Tendrá lugar la suspensión de la pensión en los siguientes casos:

  • Si el trabajador actúa de mala fe para cobrar indebidamente la prestación.
  • Si la incapacidad se grava o se produce a consecuencia de imprudencia temeraria del beneficiario.
  • En los casos de abandono o rechazo de los tratamientos médicos durante la incapacidad temporal, tratamientos de rehabilitación o readaptación que fueran necesarios.

Extinción

Además, se extinguirá cuando tenga lugar alguno de los siguientes supuestos:

  • Por la curación del trabajador tras una revisión.
  • Si fallece el beneficiario.
  • Si se le reconoce el derecho a percibir una pensión de jubilación y opta por cobrarla.

5. Modelo de solicitud y documentación necesaria

Las personas afectadas por una gran invalidez, podrán solicitar la prestación correspondiente, siempre que reúnan los requisitos necesarios, en un Centro de Atención e Información de la Seguridad Social.

Para ello, deben presentar el Modelo de Solicitud de Prestaciones de Incapacidad debidamente cumplimentado conforme el grado de invalidez que poseen, junto con la documentación que figura en el impreso.

Descargar Impreso de solicitud de prestaciones de incapacidad

El Instituto Nacional de la Seguridad Social INSS es el organismo competente para conceder esta prestación.

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