How self-employment status affects benefits, sick days and pensions

More and more citizens are becoming self-employed every day. And this is not surprising, because doing work under this status has many advantages. Let's talk about the guarantees that the self-employed status gives.

Unfortunately, you should not count on a pension, since they do not pay insurance premiums, and, consequently, they do not count the length of service. This situation can be corrected only by voluntary payment of contributions to the Pension Fund. The minimum number of annual contributions is the same as for individual entrepreneurs.

A similar situation exists with the payment of sick leave. In order for a self-employed citizen to receive disability benefits, he needs to register an individual entrepreneur for the NAP and pay annual contributions to the Social Insurance Fund. This is stated in the letter of the Social Insurance Fund dated February 28, 2020 No 02-09-11 / 06-04-4346.
It's not that bad when it comes to getting child support. The right to child care allowance up to 1.5 years old is retained. You only need to know that self-employed mothers will receive benefits from the social security authorities, and not from the Social Insurance Fund. The benefit will be minimal.

The allowance for children under 3 and up to 7 years old is received in the usual manner, in accordance with the criteria of need. To receive this benefit, you must prove that the income does not exceed the upper limit of the established criteria. This can be done by providing proof of income, which can be obtained from the MY TAX application.

If you need to confirm your income to get a loan or mortgage, such a certificate is also suitable. It should be noted that last year the self-employed were extended the benefits that are due to small businesses, and in matters of lending.

Most citizens applying for self-employment do not think about the issues of obtaining a pension or disability benefits. Therefore, no matter how everyone says that this mode is very convenient, it definitely has its drawbacks. Let's hope that over time the legislator will take into account all these points and the status of the self-employed will have more opportunities to receive social guarantees.