Get one Disability pension in Guatemala It is a right that protects affiliates from Guatemalan Social Security Institute (IGSS) That, for medical causes, they have lost their ability to work.
However, accessing this benefit requires complying with certain Specific requirementsas a minimum of contributions and the medical evaluation of the degree of disability.
This note details the Requirements to access a disability pensionthe Types of disability recognized by the IGSS and the way in which the amount to be received is calculated.
The objective is that workers know their rights, actively participate in the process and can verify for themselves if they qualify and what would be the estimated amount of their pension.
REQUIREMENTS TO ACCESS A PENSION FOR INVALIDITY OF THE IGSS
To apply to a pension by disabilitythe affiliate must meet the following requirements:
- Be registered and active in the IGSS.
- The disability must have been caused by a disease or accident during the active affiliation period.
- Have traded a minimum of 36 months To the IGSS, including the month in which the event that originated disability occurred.
- Count on him degree of disabilitydetermined by the doctors of the IGSS.
These 36 months of contributions must have been carried out within the last six yearsin form Continuous and without interruption.
This is explained by Claudia Sentes, head of the Disability, old age and survival program (IVS) From the IGSS: although an affiliate has more accumulated quotas, if it did not contribute them continuously within the stipulated time, it does not qualify for the pension.
Types of disability according to the IGSS
According to him Article 6 of Agreement 1124there are two types of disability recognized:
- Total disability: When the affiliate is incapacitated to obtain a remuneration superior to the 33% of the salary usual of a healthy worker with the same training and category in his region.
- Great disability: When the insured, in addition to not being able to obtain income, requires permanent assistance from another person To perform the acts of everyday life.
How to calculate the pension due to disability in Guatemala?
The calculation of the pension depends on the type of disability and the history of affiliate contributions. Below is an example based on a monthly salary of Q3 thousand 900:
- Average salary: The salary of the last six years is averaged. If the affiliate had a stable salary of Q3 thousand 900, that will be the average used as Base remuneration.
- Calculation base: The 50% of base remunerationwhich is equivalent to Q1 thousand 950.
- Additional quotas bonus: The law establishes an increase in 0.5% for every six additional installments After the first 120.
- If the affiliate has 126 installmentsa Additional 0.5%.
- Total estimated pension: 50.5% of Q3 thousand 900 = Q1 thousand 969.50 monthly.
Maximum and minimum pension limit
He Agreement 1124 states that:
- The pension should not exceed the 80% of base remuneration.
- The Maximum base remuneration recognized by the IGSS is from Q9 thousandso the monthly maximum payment must not exceed Q7 thousand 200.
- The pension due to disability or old age, including the family assignmentwill not be less than Q340.00.
- In the case of a single beneficiary, the minimum amount to be received is Q170.00.
How long are pensions granted by disability?
According to him Article 11 of Agreement 1124the pension is initially granted by One year. Subsequently, it can be renewed by Equal periodsas long as the IGSS confirms that the conditions that gave rise to disability persist.
The affiliate is obliged to undergo Medical examinations, treatments or evaluations prescribed by the institute. In case of breach without just cause, the pension can be suspended.
The IGSS, through the Department of Legal Medicine and Disability Evaluationyou can extend the pension period beyond the first year if you consider it necessary. However, the pension can finish If the beneficiary Recover your work capacity either It dies.