The new contribution system for the self-employed that the Government is planning continues to generate doubts among doctors. Once I come into force, the self-employed physicians will start to quote based on their real income, so their pension could finally be similar to that received by a salaried doctor.
Although at first glance this may be an advantage for the self-employed, the only thing that this system does is be “fair” with the worker’s contribution, according to Vicente Matas, member of the Urban Primary Care Commission of the Collegiate Medical Organization and member of the Andalusian Medical Union.
Until now, the benefits of the self-employed, from the pension to the cessation of activity, depended on the contribution of the self-employed. In other words, the worker could regulate and choose his contribution bases while now he will be “obligated”. With the new system, “if they have enough income they will contribute the same maximum as employed doctors”, explains Matas. From his point of view, the equation is simple: “those who pay more will have a higher pension.” “Before they could have income of 3,000 euros and quote for 1,000 and now they will be required to quote in relation to the full amount.”
This does not unequivocally represent a benefit, clarifies Manuel Carmona, representative of Private Practice Physicians in the WTO, since, when receiving according to their contributions, it must be the worker himself who must calculate his risks and make his decisions. “A rise in contributions should not be disguised as an improvement in the pension,” he says.
Obstacles for the autonomous physician
And it is that, equating the pension of the self-employed person to the salaried employee supposes to equal approximately the contributions to the social security. Given that the contributions of employees between those made by the company and the worker are around 40 percent of the salaries, this will mean that the self-employed person contributes for their real income. The plan could therefore “alter the plans of many freelancers who already have private plans and do not wish to contribute more,” warns Carmona.
Therefore, the measure will be good or not “depending on the glass with which you look at it”, specifies the expert, although he admits that “changing the rules of the game in the middle of the game does not usually benefit the whole team.” Likewise, the current voluntariness to raise the contributions of the self-employed who want to have greater benefits offers “more flexibility to the group on how to organize the future, either by increasing contributions or looking for other alternatives.”
Something that in his opinion, should be respected, taking, in turn, into account the investments made by the worker, the unforeseen events they face and the jobs they create. Money “that also comes out of your pocket after declaring income and contributing for it.”
No benefits when combining public and private
“The day we understand that the benefit is born from our quotation, we will see that what it is about is to have an adjusted and adequate quotation and forecast in the future,” adds the physician, for whom the new plan “is not an arrangement to pensions but an adjustment of the whole system. ”
Those who combine their activity in the public and private sectors will also not see their pension benefit from this increase in contributions. In their case, they will contribute more but the pension received will be the same as it has been up to now. “No matter how much they contribute, if in the public sector they reach the maximum pension, as usual, there will be no possibility of increasing this quota because they will contribute it for nothing,” argues Matas.
The plan, with quotes based on the regulatory base to choose from among 13 tranches, is still in the negotiation phase. However, Carmona details, the dialogue is framed within the RETA reform and not in the social dialogue table on pensions. Therefore, from the WTO, they encourage you to “open your gaze” and consider this type of change of course calmly. “These are decisions that cannot be taken lightly.”
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