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Sickness/health insurance and disability

In case of health problems, the person cannot work, some interventions are planned by the State. Here are the main ones.

The civil invalidity pension is an economic benefit granted to persons who for health reasons cannot work, who are recognized as having total incapacity for work and therefore 100% invalidity. All subjects who are between 18 and 67 years of age can apply.

In order to be entitled to the economic benefit, it is not necessary to have accrued a minimum number of contributions.

Ordinary invalidity allowance is an economic benefit provided by the INPS to persons with reduced working capacity to less than one third as a result of physical or mental disability. This is an economic benefit, the invalidity rate of which must be between 74% and 99%.
In this case it is necessary to have a minimum of social security contributions, equal to 5 years (260 weekly contributions), of which 3 in the five years preceding the date of submission of the application (156 weekly contributions).

Sickness benefit is awarded to workers when there is an illness leading to temporary incapacity for work.
The following are excluded:

  • family workers (colf and cares);
  • industrial employees;
  • paintings (industry and crafts);
  • managers;
  • doorkeepers;
  • self-employed.

The entitlement to sickness benefit begins, for all workers, on the fourth day (the first three, if provided for in the contract of employment, will be paid in full by the company) and ends with the expiry of the prognosis (end of illness) certified by the doctor, if this occurs within the maximum workplace retention limit (usually 180 days).

Any period of sickness resulting in hospitalization under ordinary or day-hospital arrangements shall also be eligible for compensation, provided that it is duly certified.

As a general rule, the allowance is paid to employees in the amount of 50% of the average daily wage from 4 months to 20 years. day and 66.66% from 21 years. to 180 days.
If you are unemployed and suspended from work, the allowance is reduced by two-thirds of the percentage provided.

In order to receive the benefit, you must be able to find yourself at home during the availability bands provided for by law, in order to be subject to checks to verify that you are actually temporarily unable to work.

October 2, 2020/by FMD
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