{"id":1976,"date":"2025-06-24T14:49:22","date_gmt":"2025-06-24T14:49:22","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1976"},"modified":"2025-10-17T12:45:35","modified_gmt":"2025-10-17T10:45:35","slug":"disability-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/","title":{"rendered":"Disability Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#Seguro_de_Incapacidad_Temporal_lo_que_debes_saber_para_estar_cubierto_ante_una_baja\" >Temporary Incapacity Insurance: what you need to know to be covered in the event of sick leave<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFQue_es_un_Seguro_de_Incapacidad_Temporal\" >What is Temporary Disability Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFQue_cubre_un_seguro_por_incapacidad_temporal\" >What does temporary disability insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#Modalidades_de_indemnizacion\" >Compensation arrangements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#Seguro_de_incapacidad_temporal_para_autonomos\" >Temporary incapacity insurance for the self-employed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFCuanto_paga_un_seguro_de_incapacidad_temporal_por_dia_de_baja\" >How much does temporary disability insurance pay per day of sick leave?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFHay_periodos_de_carencia\" >Are there any grace periods?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFQue_factores_influyen_en_la_prima_del_seguro\" >What factors influence the insurance premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFQue_se_necesita_para_contratarlo\" >What does it take to hire him?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/disability-insurance\/#%C2%BFPor_que_contratar_un_seguro_de_incapacidad_temporal\" >Why take out temporary disability insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_de_Incapacidad_Temporal_lo_que_debes_saber_para_estar_cubierto_ante_una_baja\"><\/span>Temporary Incapacity Insurance: what you need to know to be covered in the event of sick leave<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine you wake up one day with an injury or illness that prevents you from going to work. You don't know how long you will be off work, but you do know one thing: your expenses are still there. How can you protect your income during this period? This is where the <strong>Temporary Disability Insurance<\/strong>a simple solution that offers peace of mind in times of uncertainty.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_Seguro_de_Incapacidad_Temporal\"><\/span>What is Temporary Disability Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This is a policy that financially compensates the insured while he\/she is unable to work due to illness or accident. Its main objective is to complement the Social Security benefits, which are often not enough to cover all the usual expenses.<\/p>\n<p>Compensation is received in the form of <strong>a fixed payment for each day of sick leave<\/strong>It can start from the first day or after a short waiting period, depending on the conditions of the contract. The maximum duration of this type of insurance is typically between <strong>365 and 545 days<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_por_incapacidad_temporal\"><\/span>What does temporary disability insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Coverage may vary according to the policy taken out, but these are the most common ones:<\/p>\n<ul>\n<li><strong>Daily allowance<\/strong> due to common illness, occupational or non-occupational accident.<\/li>\n<li><strong>Additional coverage for hospitalisation<\/strong>in case of medical admission.<\/li>\n<li><strong>Protection by surgery<\/strong>if the insured person needs to undergo surgery.<\/li>\n<li><strong>Premium refund option<\/strong> in case of unemployment or involuntary unemployment (in some specific policies).<\/li>\n<\/ul>\n<p>This type of insurance <strong>is not only useful for the self-employed<\/strong>It can also be a safety net for wage earners seeking to maintain their standard of living during a period of sick leave.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Don't put your income at risk<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out your Temporary Incapacity Insurance and protect yourself against illnesses or accidents that prevent you from working.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=No+pongas+en+riesgo+tus+ingresos\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"Modalidades_de_indemnizacion\"><\/span>Compensation arrangements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are two main ways of calculating daily financial compensation:<\/p>\n<h3>With scale<\/h3>\n<p>The insurer establishes a fixed number of days for each type of pathology. For example, a clavicle fracture may be associated with 40 days of compensation, regardless of the actual time of sick leave.<\/p>\n<h3>No scale<\/h3>\n<p>In this case, the payment is made on the basis of the <strong>actual number of days of incapacity<\/strong>The medical reports and the official sick leave form must always be provided.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_de_incapacidad_temporal_para_autonomos\"><\/span>Temporary incapacity insurance for the self-employed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the self-employed, this insurance can be a lifesaver. Unlike employees, the self-employed do not have a company to supplement their income during sick leave. Therefore, having a policy adapted to their profile allows them to continue to fulfil their personal and professional responsibilities without getting into financial difficulties.<\/p>\n<p>In addition, <strong>premiums for these insurances may be deductible.<\/strong> in personal income tax up to a certain limit, if taxed under direct assessment. This is a very interesting tax advantage for those who manage their own activity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_paga_un_seguro_de_incapacidad_temporal_por_dia_de_baja\"><\/span>How much does temporary disability insurance pay per day of sick leave?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The amount depends on the capital contracted. There are policies that allow you to choose between several daily indemnity options. The most common amounts are usually:<\/p>\n<ul>\n<li>20 \u20ac<\/li>\n<li>30 \u20ac<\/li>\n<li>45 \u20ac<\/li>\n<li>60 per day<\/li>\n<\/ul>\n<p>This amount is paid for the number of days that the insured person is on sick leave, always within the duration limit established in the policy. To determine which is the best option in your case, the best thing to do is to contact a professional advisor, such as those at <a href=\"https:\/\/lawebdeseguros.com\/en\/\"><span data-no-translation>La Web de Seguros<\/span><\/a> They will be able to guide you according to your personal and work situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFHay_periodos_de_carencia\"><\/span>Are there any grace periods?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, as in most <a class=\"wpil_keyword_link\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-salud\/\" title=\"health insurance\" data-wpil-keyword-link=\"linked\">health insurance<\/a> there are shortcomings. These are the most frequent:<\/p>\n<ul>\n<li><strong>Common diseases:<\/strong> 2 to 3 months.<\/li>\n<li><strong>Surgeries and hospitalisation:<\/strong> 2 to 6 months.<\/li>\n<li><strong>Pregnancy or childbirth (if covered):<\/strong> between 6 and 8 months.<\/li>\n<\/ul>\n<p>The waiting period is the time that must elapse between taking out the insurance and being able to use certain coverages. It does not apply in the case of accidents, which are usually covered from day one.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_factores_influyen_en_la_prima_del_seguro\"><\/span>What factors influence the insurance premium?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price of this type of policy depends on several elements:<\/p>\n<ul>\n<li>The <strong>contracted daily amount<\/strong> (i.e. how much you want to receive per day).<\/li>\n<li>If you choose the <strong>with or without scale<\/strong>.<\/li>\n<li>Your <strong>age and professional activity<\/strong>The risk is higher in some professions.<\/li>\n<li>The <strong>franchise period<\/strong> you select (e.g. if you decide to be paid only from the 4th day of sick leave).<\/li>\n<li>Additional coverages such as <strong>hospitalisation, surgery or pregnancy<\/strong>.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_se_necesita_para_contratarlo\"><\/span>What does it take to hire him?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A medical examination is not normally required. However, it is common to be required:<\/p>\n<ul>\n<li>A <strong>health declaration<\/strong> to assess risks.<\/li>\n<li>Documentation that accredits your employment activity (self-employed or employment contract).<\/li>\n<li>Election of the <strong>type of insurance<\/strong> and the <strong>desired daily amount<\/strong>.<\/li>\n<\/ul>\n<p>Once all this has been done, you can count on real protection in the event of sick leave.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_contratar_un_seguro_de_incapacidad_temporal\"><\/span>Why take out temporary disability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This insurance is a very useful tool to protect your economy against unexpected situations. It is not about spending more, but about <strong>be forewarned when you can't work<\/strong>. Because a medical leave does not give notice, but it can seriously affect your income.<\/p>\n<p>Especially if you are self-employed or self-employed, this cover gives you the peace of mind of being able to recover without financial worries. And if you are an employee, it allows you to <strong>complement public aid<\/strong>which are not always sufficient.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>Do you have any doubts about how to take out temporary disability insurance or what cover would be most useful in your case? Get in touch with <strong><a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\">contact with us<\/a> <\/strong>and we will help you to solve them with clear, close and no small print advice.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Protect your income in the event of temporary or permanent disability. Coverage that guarantees financial stability while you recover, adapted to your professional activity and standard of living.<\/p>","protected":false},"author":2,"featured_media":2549,"parent":1897,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[23],"class_list":["post-1976","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-personales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1976"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1976\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2549"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}