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La prestación por riesgo durante el embarazo

prestación por riesgo de embarazo

La prestación por riesgo durante el embarazo es una ayuda que gestiona la Seguridad Social en el marco de su acción protectora destinada a aquellas trabajadoras que se ven obligadas a suspender su contrato laboral al no poder continuar en su puesto de trabajo por existir un riesgo para su salud o la del feto.

riesgo embarazo
Impreso oficial para la solicitud de la prestación por riesgo durante el embarazo

1. El riesgo durante el embarazo

Podríamos definirlo como la situación en la que se encuentra una una trabajadora durante el período en que su contrato ha quedado suspendido por motivo de riesgo durante el embarazo. Esto ocurre cuando es necesario variar el puesto de trabajo o actividad de la trabajadora a uno que pueda ser compatible con su estado, porque de lo contrario podría influir negativamente en su salud o en la del feto, y este cambio no resulte posible o no se pueda exigir por motivos justificados.

2. La prestación por riesgo durante el embarazo

La prestación por riesgo durante el embarazo trata de compensar la pérdida económica que le causa a una trabajadora la suspensión de su contrato de trabajo por motivo de riesgo durante el embarazo, cuando no sea posible la reubicación en la empresa en otro puesto que sea compatible con su estado. De esta forma el marco de acción protectora de la Seguridad Social protege esta situación a través de una prestación económica.

3. Beneficiarios

Podrán pedir la prestación por riesgo durante el embarazo las trabajadoras por cuenta propia o por cuenta ajena que tengan suspendido el contrato de trabajo o interrumpida su actividad profesional por motivo de riesgo durante el embarazo, siempre que cumplan los siguientes requisitos:

  1. Que estén afiliadas y de alta.
  2. Que no tengan cuotas atrasadas, de las que ellas sean responsables directas.

4. ¿Cómo tramitarla?

La trabajadora deberá notificar a la Entidad gestora o a la Mutua Colaboradora con la Seguridad Social la necesidad de suspender el contrato o interrumpir su actividad profesional por motivo de riesgo durante el embarazo.

Para ello deberá presentar junto con el modelo de solicitud correspondiente la siguiente documentación:

  1. Para su identificación deberá aportar el Documento Nacional de Identidad (DNI). En el caso de extranjeras  se presentará el Número de Identificación de extranjeros (NIE) y pasaporte o documento/carta de su país (UE  , EEE  y Suiza). Para el resto de países la Tarjeta de identidad de extranjeros (TIE).
  2. Documentación que acredite las circunstancias que dan lugar al cobro de la prestación, como puede ser:
    1. Informe emitido por el médico del Servicio Público de Salud que la esté asistiendo.
    2. Declaración emitida por la empresa en el caso de las trabajadoras por cuenta ajena o de la propia trabajadora por cuenta propia, sobre cuáles son los trabajos o actividades que realiza y otros conceptos como por ejemplo las condiciones del puesto de trabajo, el riesgo concreto que corre, la categoría, etc.

Los servicios médicos de los que disponen la Entidad gestora o la Mutua emitirán un certificado médico en el que se certifique que la condiciones del trabajo influirían negativamente en la salud de la propia trabajadora o del feto.

El modelo de la solicitud y la documentación que hemos detallado se podrá dirigir  a cualquier Centro de Atención e Información de la Seguridad Social de la Entidad Gestora o bien de la Mutua Colaboradora con la Seguridad Social.

A continuación, el Director Provincial de la Entidad gestora (INSS o ISM) de la provincia en la que resida la trabajadora, resolverá la solicitud y procederá a notificar su decisión a la trabajadora en el plazo de 30 días.

Puedes descargar el impreso de solicitud a continuación:

Solicitud Riesgo durante el embarazo y lactancia natural

Plazo de presentación

  1. En el caso de las trabajadoras por cuenta ajena, desde el mismo día que se suspende el contrato de trabajo por riesgo durante el embarazo.
  2. En el caso de las trabajadoras por cuenta propia, desde el día siguiente al día en que se emite el certificado médico por parte de los servicios de la Entidad gestora o de la Mutua.

5. Cuantía de la prestación por riesgo durante el embarazo

La cuantía de la prestación será la equivalente al 100% de la base reguladora (la que se utiliza para calcular la cuantía de la pensión a percibir) que corresponda, que será la que se establezca para la prestación de Incapacidad Temporal derivada de las contingencias profesionales.

Cuando se lleve a cabo el pago, se tendrán que deducir (restar) las cantidades correspondientes a cotizaciones de la Seguridad Social así como las retenciones por IRPF.

6. Duración y extinción

El derecho a percibir el subsidio nacerá desde el mismo día que se suspende el contrato de trabajo o el permiso por riesgo durante el embarazo.

Se cobrará durante el tiempo que sea necesario proteger la salud de la trabajadora y/o del feto y terminará el día anterior a aquél en el que se inicia el descanso por maternidad o en el que se reincorpore  la trabajadora a su puesto.

El derecho a percibir la prestación se extinguirá:

A. Trabajadoras por cuenta ajena

  • Cuando se suspenda el contrato de trabajo por maternidad.
  • En el caso de que la trabajadora se reincorpore a su puesto anterior o a otro que le resulte compatible con su gestación.
  • Si se extingue el contrato de trabajo por causas legales.
  • Cuando se interrumpa el embarazo.
  • Por fallecimiento de la trabajadora.

B. Trabajadoras por cuenta propia

  • Al inicio del descanso por maternidad.
  • Al reanudarse su actividad profesional.
  • Si causa baja en el Régimen Especial de la Seguridad Social.
  • En el caso de que se interrumpa el embarazo.
  • Por fallecimiento de la trabajadora.

7. Anulación o suspensión de la prestación

La anulación o suspensión de la prestación se producirá en dos casos:

  1. Cuando se actúe de forma fraudulenta para conseguir o para conservar el subsidio.
  2. Cuando se realice cualquier trabajo o actividad, ya sea por cuenta propia o ajena, excepto en los casos de pluriactividad.

8. Entidad competente para la gestión y el pago de la prestación

Será competente para gestionar y abonar las cantidades correspondientes a la prestación por riesgo durante el embarazo:

  1. La Dirección Provincial de la Entidad Gestora (INSS oISM) en la que la trabajadora tenga su domicilio.
  2. La Mutua Colaboradora con la Seguridad Social.

Que sea una u otra dependerá de qué Entidad sea la que cubra los riesgos profesionales.

9 .Plazos relacionados con la prestación por riesgo durante el embarazo

El Director Provincial de la Entidad Gestora de la provincia en la que tenga su domicilio la trabajadora tendrá que resolver y notificar lo resuelto a la trabajadora en el plazo de 30 días desde la presentación de la solicitud.

El derecho de la trabajadora a que se le reconozca su prestación prescribirá a los 5 años, a partir al del día siguiente al del hecho que causó la petición y ello aunque los efectos se produzcan a partir de los 3 meses anteriores a la fecha en la que se solicitó.

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