Coverage for temporary professional disability

At Mutualidad we accompany you when you are unable to carry out your professional activity, guaranteeing the payment of daily compensation in cases of illness, accident, becoming a parent, etc.


Do you want to know if you are eligible to become a member of Mutualidad?

What is temporary professional disability cover?

Working is essential for your financial security. When you temporarily interrupt this activity due to becoming a parent, illness or accidents, you need to be protected.

With our temporary professional disability cover, you are guaranteed daily compensation in these situations. You will gain peace of mind and security for you and your loved ones.

Your coverage

Designed to be with you when you need it most.

Choose your compensation option

€30 per day

€60 per day

€90 per day

Find out how little it costs to cover Temporary Professional Disability
Calculation of the monthly contribution¹ for the main guarantees and the optional guarantees of Temporary Professional Disability according to age² and the daily compensation option.
Option AOption BOption C
Main Guarantees€30 per day€60 per day€90 per day
20 to 34 years20.2632.2844.30
35 to 49 years24.9340.7256.52
50 to 66 years19.5337.0654.58
Hospitalisation due to illness or accident€30 per day€60 per day€90 per day
20 to 34 years1.813.625.43
35 to 49 years2.665.337.99
50 to 66 years5.4310.8616.29
Surgery or treatments³€30 per day€60 per day€90 per day
20 to 34 years5.1610.3315.49
35 to 49 years5.1610.3315.49
50 to 66 years7.4614.9322.39
Partial temporary disability€30 per day€60 per day€90 per day
20 to 34 years1.102.193.29
35 to 49 years1.052.093.14
De 50 to 66 years1.002.003.00
¹ The initial bill will also include the Consortium’s surcharge of 0.06, 0.11 and 0.16 euros, respectively.
² Considered to be closest to the birthday.
³ This cover requires the prior or simultaneous contracting of the optional cover for Hospitalisation due to Illness or Accident. The maximum at which the policy can be taken out is 49 years.

Note: For all guarantees, a 7-day deductible is established except in the case of maternity, spontaneous abortion, adoption, paternity and temporary partial disabilities. For the guarantees to take effect, a waiting period of 60 days is generally required, with the following exceptions:

1) For payment guarantees for maternity, spontaneous abortion or adoption, 240 days from the contracting of the guarantee or extension until the beginning of pregnancy or application for adoption and 100 days in the case of care of minors with serious illness, except in the case of the Professional system when the registration of coverage as an alternative to the public Social Security regime coincides with the date of incorporation in Mutuality, in which case the waiting period is not considered in the contract.

2) For the guarantees of surgical interventions and treatment, the waiting period will be 180 days.

The maximum amount of daily compensation is €90 between the Autonomous Alternative Plan and the Flexible Savings Plan. For the guarantee of psychological pathology, the waiting period will be 6 months from the hiring of the same or 3 years from the last annuity in which the benefit was recognized. In the event of an accident, no waiting period will apply.

How do you pay your premiums?

Choose the option that best suits your needs. We can also adjust your tariff to the payment system you have set up in your Plan Alternativo Autónomo or your Plan Ahorro Flexible.


Take out or extend your coverage

  • If you have the Plan Alternativo Autónomo you are covered for Temporary Professional Disability for a minimum of 30 euros/day of main guarantees, which you can extend and top-up.
  • If you have taken out this cover under both the Plan Alternativo Autónomo and the Plan Ahorro Flexible, the combination cannot exceed €90/day.
  • If you are insured with another company for this type of coverage, send us a copy of the policy and the last receipt and we will waive the waiting periods*.

* Pre-existing conditions at the time of taking out cover will not be covered under any circumstances.

How is the temporary professional disability cover taxed?

In the Plan Alternativo Autónomo, the contribution is deductible for personal income tax purposes and will be taxed, in the event that the benefit is paid, as earned income for personal income tax purposes (IRPF).

In the Plan de Ahorro Flexible,, if the premiums have been deducted as a business expense, the benefit will be considered as earned income. If this is not the case, it will be taxed as a capital gain, and will not be subject to withholding.

Are you a member of Mutualidad?

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