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La prestación contributiva 2022

la prestación contributiva

La  prestación contributiva por desempleo, conocida comúnmente por “el paro”,  es el importe que percibirá el trabajador que se encuentra desempleado a causa de la pérdida de su empleo de forma involuntaria. Es una prestación de carácter contributivo, pues la cuantía va a depender de las cotizaciones realizadas durante el tiempo en que ha trabajado.

1. Requisitos para solicitar el paro

Uno de los requisitos imprescindibles para poder beneficiarse de la prestación por desempleo es que la persona debe estar en una situación legal de desempleo, es decir, debe haber finalizado la relación laboral por alguna de las causas siguientes:

  1. Despido. Se contempla tanto el despido procedente, improcedente, colectivo o individual.
  2. Finalización de contrato.
  3. Suspensión de empleo. Podrá deberse a una regulación de empleo (ERE), la muerte del empresario, o la incapacidad total del trabajador.

Una vez el trabajador se encuentra en una situación legalmente prevista de desempleo deberá acreditar además los siguientes requisitos:

  1. Estar afiliado a la Seguridad Social y en situación de alta o asimilada al alta.
  2. Deberá acreditar que dispondrá de tiempo suficiente para la búsqueda activa de empleo además de suscribir un compromiso de actividad.
  3. Estará dado de alta como demandante de empleo y mantendrá esta situación durante todo el tiempo que dure la prestación.
  4. Con respecto a las cotizaciones mínimas necesarias, deberá contar con al menos 360 días en los seis años anteriores a su situación legal de desempleo.
  5. No contará con la edad prevista para la jubilación.
  6. No debe percibir una prestación que sea considerada incompatible con el trabajo.

2. ¿Qué documentación tengo que presentar?

Para solicitar la prestación por desempleo se deberá aportar la documentación siguiente:

  1. Impreso solicitud Prestación Contributiva
  2. Para la identificación del solicitante y los hijos/as que estén incluidos en el impreso, se deberá exhibir el Documento Nacional de Identidad (DNI) de todos ellos. En el caso de personas extranjeras, presentarán la Tarjeta de Identidad de Extranjeros (TIE) o Número de Identidad de Extranjeros con el pasaporte.
  3. Documento en el que conste el número de cuenta en el que quiere percibirse la prestación. El solicitante deberá ser titular de la cuenta facilitada.
  4. En los supuestos exigidos, deberá aportarse el libro de familia o cualquier documento equivalente en el caso de extranjeros.
  5. Los certificados de las empresas en los que haya trabajado el solicitante en los últimos seis meses. Habitualmente, las empresas ya realizan este trámite enviando la documentación directamente al SEPE.

Existen algunos supuestos concretos, como en el caso de haber impugnado un despido, en los que será necesario aportar alguna otra documentación. Para conocerlos accede desde aquí.

Descarga el impreso para pedir el paro:

Modelo Solicitud Prestación Contributiva

3. Duración del paro

La duración de la prestación vendrá determinada por las cotizaciones totales realizadas en los últimos seis años. No se computarán aquellas cotizaciones que ya hayan servido para percibir una prestación contributiva o asistencial anterior.

En la siguiente tabla se muestran los días de prestación a los que tendremos derecho según los días que tengamos cotizados. Los trabajos realizados a tiempo parcial contarán igualmente como un día trabajado independientemente del tipo de jornada realizada.

DIAS COTIZADOS

DIAS DE PRESTACION

Desde 360 hasta 539

120

Desde 540 hasta 719

180

Desde 720 hasta 899

240

Desde 900 hasta 1.079

300

Desde 1.080 hasta 1.259

360

Desde 1.260 hasta 1.439

420

Desde 1.440 hasta 1.619

480

Desde 1.620 hasta 1.799

540

Desde 1.800 hasta 1.979

600

Desde 1.980 hasta 2.159

660

Desde 2.160

720

4. ¿Cuánto cobraré de paro en 2022?

En cuanto a la cuantía que percibirá el beneficiario de la prestación contributiva por desempleo va a depender de las bases de cotización de los últimos 180 días, de las cuales se obtendrá un promedio que será la base reguladora. No se tendrán en cuenta las horas extraordinarias realizadas.

La cuantía diaria a percibir corresponderá durante los primeros 180 días al 70% de la base reguladora. A partir del día 181 se reducirá hasta el 50%.

Además una vez hechos los cálculos, éstos no deberán superar los topes máximos ni estar por debajo de los mínimos legalmente establecidos. Para el año 2022 se fijan en las siguientes cuantías:

Importe mínimo de la prestación contributiva
Sin hijos 501,98 €
Con hijos 671,40 €
Importe máximo de la prestación contributiva
Sin hijos 1.098,09 €
Un hijo 1.254,96 €
Dos hijos o más 1.411,83 €

La cuantía resultante bruta cotizará a la Seguridad Social (4.7% de la base reguladora) y le será de aplicación las deducciones de IRPF en los casos previstos.

5. Calculadora de la prestación

Para poder calcular de forma aproximada cuál será el importe a percibir por la prestación por desempleo, así como la duración de la misma, puede accederse al programa de autocálculo que pone a disposición el SEPE.

Simulador de prestaciones

6. Plazos para pedir el paro

El interesado dispone de un plazo de quince días hábiles desde que finaliza la relación laboral que da lugar a la situación de desempleo.

Podrá presentarse la solicitud a través de las siguientes vías:

  1. Presencialmente en la Oficina de Empleo. Es imprescindible para poder tramitar cualquier prestación la obtención de una cita previa.
  2. A través de la Sede Electrónica del SEPE.
  3. También existe la posibilidad de tramitarla en cualquier oficina de registro o por correo administrativo.

Cita previa INEM por Internet

Cita previa INEM por teléfono

7. Prestación por desempleo para autónomos

En el caso de un trabajador autónomo, tendrá derecho a percibir la prestación por desempleo si reúne los siguientes requisitos:

  1. Estar afiliado y en situación de alta en alguno de los regímenes especiales de los trabajadores autónomos.
  2. Debe cotizar y tener cubierta la protección de Accidentes de trabajo y enfermedades profesionales.
  3. Debe de contar con 12 meses antes de cotización.
  4. No haber alcanzado la edad propia de la jubilación.
  5. Estar al corriente en las cuotas de la Seguridad Social.
  6. El cese de la actividad debe deberse a alguna causa involuntaria y tiene que estar en disposición de incorporarse al mercado laboral.

8. Capitalización del paro

La capitalización del paro es una oportunidad que tienen algunas personas para emprender en su propio negocio. Para ello, existe la posibilidad de solicitar en un pago único la cuantía íntegra de la prestación de desempleo. Los requisitos para poder acogerse a esta modalidad son los que se enumeran a continuación:

  1. Tener derecho a una prestación por desempleo.
  2. Disponer, de al menos, tres mensualidades por recibir.
  3. No haber utilizado el pago único en los cuatro últimos años anteriores a la solicitud del mismo.
  4. Que el desempleado vaya a convertirse en trabajador autónomo.
  5. El interesado no haya iniciado la actividad previamente a la solicitud de pago único de la prestación.

Tienes toda la información en el siguiente enlace:

Pago único

9. Solicitud de pago único en los menores de 30 años

Los jóvenes menores de 30 años podrán solicitar el pago único de la prestación por desempleo siempre que vayan a destinar el importe íntegro a constituir una sociedad mercantil en el plazo que legalmente se establece.

Para obtener más información pinche aquí.

10. El derecho de opción

Si la persona beneficiaria de la prestación por desempleo se reincorpora al trabajo nuevamente y la duración del mismo es igual o superior a los doce meses se genera un nuevo derecho de prestación por desempleo.

En este caso, la persona que anteriormente no agotó la prestación anterior podrá optar entre reanudar la prestación anterior o acogerse a la prestación generada con las nuevas cotizaciones. Esto es lo que se conoce como el derecho de opción.

Para ello dispone de un plazo de diez días desde que se le reconoce la prestación. Deberá solicitarlo por escrito.

Para obtener más información pincha aquí.

Más Información:

Para conocer todas las prestaciones estatales consulta nuestra guía de ayudas.

*Información actualizada Enero de 2022

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