{"id":242,"date":"2014-11-08T17:45:15","date_gmt":"2014-11-08T15:45:15","guid":{"rendered":"http:\/\/www.mcasadellapol.cat\/?page_id=242"},"modified":"2025-09-12T12:53:46","modified_gmt":"2025-09-12T11:53:46","slug":"ilt-baixa-per-incapacitat-laboral-temporal","status":"publish","type":"page","link":"https:\/\/www.mcasadellapol.cat\/?page_id=242","title":{"rendered":"Subsidi"},"content":{"rendered":"<p data-start=\"342\" data-end=\"593\">L\u2019asseguran\u00e7a de subsidi \u2014tamb\u00e9 coneguda com a asseguran\u00e7a de baixa per malaltia o ILT\u2014 est\u00e0 especialment pensada per als <strong data-start=\"464\" data-end=\"489\">treballadors aut\u00f2noms<\/strong>, que poden veure greument redu\u00efts els seus ingressos en cas d\u2019estar de baixa per malaltia o accident.<\/p>\n<p data-start=\"595\" data-end=\"757\">Aquest producte garanteix una <strong data-start=\"625\" data-end=\"649\">indemnitzaci\u00f3 di\u00e0ria<\/strong> mentre dura la situaci\u00f3 d\u2019incapacitat laboral temporal. A m\u00e9s, s\u2019hi poden afegir garanties opcionals com:<\/p>\n<ul data-start=\"758\" data-end=\"972\">\n<li data-start=\"758\" data-end=\"803\">\n<p data-start=\"760\" data-end=\"803\">Indemnitzaci\u00f3 per intervenci\u00f3 quir\u00fargica.<\/p>\n<\/li>\n<li data-start=\"804\" data-end=\"842\">\n<p data-start=\"806\" data-end=\"842\">Indemnitzaci\u00f3 per hospitalitzaci\u00f3.<\/p>\n<\/li>\n<li data-start=\"843\" data-end=\"925\">\n<p data-start=\"845\" data-end=\"925\">Capital en cas de mort (per qualsevol causa o amb doble capital per accident).<\/p>\n<\/li>\n<li data-start=\"926\" data-end=\"972\">\n<p data-start=\"928\" data-end=\"972\">Capital per invalidesa (total o absoluta).<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"974\" data-end=\"1158\">Les companyies adapten les condicions segons el tipus d\u2019activitat, l\u2019edat i la quantitat di\u00e0ria assegurada. Sovint estableixen <strong data-start=\"1101\" data-end=\"1116\">franqu\u00edcies<\/strong> que poden anar dels 0 fins als 90 dies.<\/p>\n<hr data-start=\"1160\" data-end=\"1163\" \/>\n<h3 data-start=\"1165\" data-end=\"1212\">Quina cobertura d\u00f3na la Seguretat Social?<\/h3>\n<p data-start=\"1213\" data-end=\"1381\">Des de la reforma del sistema de cotitzaci\u00f3 dels aut\u00f2noms (2023), les prestacions per incapacitat temporal continuen sent redu\u00efdes en relaci\u00f3 amb els ingressos reals:<\/p>\n<ul data-start=\"1382\" data-end=\"1501\">\n<li data-start=\"1382\" data-end=\"1444\">\n<p data-start=\"1384\" data-end=\"1444\"><strong data-start=\"1384\" data-end=\"1414\">Del 4t al 20\u00e8 dia de baixa<\/strong>: 60% de la base reguladora.<\/p>\n<\/li>\n<li data-start=\"1445\" data-end=\"1501\">\n<p data-start=\"1447\" data-end=\"1501\"><strong data-start=\"1447\" data-end=\"1471\">A partir del 21\u00e8 dia<\/strong>: 75% de la base reguladora.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1503\" data-end=\"1646\">Per posar-ho en context, la <strong data-start=\"1531\" data-end=\"1583\">base m\u00ednima de cotitzaci\u00f3 el 2025 \u00e9s de 960,60 \u20ac<\/strong> (utilitzada encara per la majoria d\u2019aut\u00f2noms). Aix\u00f2 vol dir:<\/p>\n<ul data-start=\"1647\" data-end=\"1745\">\n<li data-start=\"1647\" data-end=\"1694\">\n<p data-start=\"1649\" data-end=\"1694\">Del 4t al 20\u00e8 dia \u2192 uns <strong data-start=\"1673\" data-end=\"1691\">576 \u20ac mensuals<\/strong>.<\/p>\n<\/li>\n<li data-start=\"1695\" data-end=\"1745\">\n<p data-start=\"1697\" data-end=\"1745\">A partir del 21\u00e8 dia \u2192 uns <strong data-start=\"1724\" data-end=\"1742\">720 \u20ac mensuals<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1747\" data-end=\"1838\">\u00c9s f\u00e0cil veure que aquestes quantitats sovint no cobreixen les despeses fixes del negoci.<\/p>\n<hr data-start=\"1840\" data-end=\"1843\" \/>\n<h3 data-start=\"1845\" data-end=\"1866\">Exemple pr\u00e0ctic<\/h3>\n<p data-start=\"1867\" data-end=\"2192\">Imaginem una treballadora aut\u00f2noma amb una facturaci\u00f3 de 5.000 \u20ac mensuals. Les seves <strong data-start=\"1952\" data-end=\"1970\">despeses fixes<\/strong> (lloguer, quota d\u2019aut\u00f2noms, tel\u00e8fon, alarma, pr\u00e9stecs, electricitat, assegurances\u2026) representen aproximadament un 40%: uns <strong data-start=\"2094\" data-end=\"2114\">2.000 \u20ac mensuals<\/strong>.<br data-start=\"2115\" data-end=\"2118\" \/>Aix\u00f2 vol dir que necessita, com a m\u00ednim, <strong data-start=\"2159\" data-end=\"2174\">67 \u20ac al dia<\/strong> per cobrir-les.<\/p>\n<p data-start=\"2194\" data-end=\"2223\">En cas de baixa de 3 mesos:<\/p>\n<ul data-start=\"2224\" data-end=\"2390\">\n<li data-start=\"2224\" data-end=\"2291\">\n<p data-start=\"2226\" data-end=\"2291\">El primer mes cobraria poc m\u00e9s de 576 \u20ac de la Seguretat Social.<\/p>\n<\/li>\n<li data-start=\"2292\" data-end=\"2390\">\n<p data-start=\"2294\" data-end=\"2390\">El segon i tercer mes, uns 720 \u20ac cadascun.<br data-start=\"2336\" data-end=\"2339\" \/>En total, nom\u00e9s un <strong data-start=\"2358\" data-end=\"2387\">30% de les despeses fixes<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2392\" data-end=\"2593\">Si aquesta treballadora hagu\u00e9s contractat una asseguran\u00e7a de subsidi amb una cobertura de <strong data-start=\"2482\" data-end=\"2497\">40 \u20ac diaris<\/strong>, garantiria els 1.200 \u20ac addicionals cada mes per arribar al 100% de les seves despeses fixes.<\/p>\n<hr data-start=\"2595\" data-end=\"2598\" \/>\n<h3 data-start=\"2600\" data-end=\"2625\">Un avantatge fiscal<\/h3>\n<p data-start=\"2626\" data-end=\"2780\">Per als aut\u00f2noms que tributen en estimaci\u00f3 directa, les primes d\u2019aquest tipus d\u2019assegurances s\u00f3n <strong data-start=\"2723\" data-end=\"2745\">despeses dedu\u00efbles<\/strong> fins a un l\u00edmit de 500 \u20ac anuals.<\/p>\n<hr data-start=\"2782\" data-end=\"2785\" \/>\n<p data-start=\"2787\" data-end=\"3005\">\ud83d\udc49 En resum: la Seguretat Social no cobreix prou per mantenir l\u2019estabilitat d\u2019un aut\u00f2nom en cas de baixa. Una asseguran\u00e7a de subsidi \u00e9s la millor eina per protegir els ingressos i assegurar la continu\u00eftat del negoci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019asseguran\u00e7a de subsidi \u2014tamb\u00e9 coneguda com a asseguran\u00e7a de baixa per malaltia o ILT\u2014 est\u00e0 especialment pensada per als treballadors aut\u00f2noms,<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":42,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"fullwidth.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-242","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/242","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=242"}],"version-history":[{"count":14,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/242\/revisions"}],"predecessor-version":[{"id":3269,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/242\/revisions\/3269"}],"up":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/42"}],"wp:attachment":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}