What is the RETA?

What is the RETA

What is the RETA

If you want to start working on your own, one of the first things that you will have to do is to sign up for the  Special Scheme for Self-Employed Workers. Also known by its acronym RETA, it is the regime that regulates the Social Security contribution of self-employed workers in Spain. If you want to know better how this regimen works, we will explain it to you in more detail.

Who has to register for the RETA?

In general, all workers over 18 years of age who regularly, personally and directly perform an economic activity for profit without being subject to a contract with a company.

Spouses and family members up to the third degree who collaborate with you regularly, personally and directly, must also be registered in the RETA, as long as they are not hired as salaried employees. They are what is known as collaborating relatives.

Also included in this regime are book writers, economically dependent self-employed workers, those professionals who carry out an activity on their own account that requires incorporation to a Professional Association that has been included in the RETA, the industrial partners of regular collective societies and of limited partnerships, worker members of Associated Work Cooperatives, as well as partners of property communities and civil partnerships.

What does the RETA offer to the self-employed?

Through this contribution scheme, Social Security provides you with a series of coverages as a self-employed worker, some of which are mandatory and others are optional:

Mandatory:

  • Temporary disability due to common contingencies: to be covered in those situations in which you cannot carry out your work, either due to a common illness or due to a non-work accident. You must formalize this option with a Social Security mutual insurance company for occupational accidents and diseases at the time you register with the RETA.

Optional:

  • Work Accidents (AT).
  • Occupational Diseases (PD).
  • Due to cessation of activity, also known as the unemployment of the self-employed.
  • By risk during pregnancy and lactation.

What is the monthly fee for freelancers?

The monthly fee will depend on the coverage and the contribution base you choose. As being a self-employed worker you will not have a fixed salary, Social Security needs to have a reference base salary to be able to calculate your self-employment quota. The contribution base is nothing other than that “theoretical salary” that you apply to yourself as a self-employed worker.

The Government establishes a minimum contribution each year (for 2018 they are € 919.80 per month) and a maximum (€ 3,751.20). You must choose a base that is between these amounts, depending, in addition, on certain circumstances, such as your age or your professional activity, which you can know in detail in the information section enabled by Social Security regarding the bases and types of contribution in the Special Regime for Self-Employed Workers.

The fee will be calculated by applying the contribution rate (that is, the percentage determined by the government for the self-employed) to the contribution base you have chosen. For example, if you opt for the minimum base, including temporary disability and coverage for risk during pregnancy and lactation, your self-employed quota would be 29.90% of € 919.80, that is, 275 euros. If you set a contribution base of € 1,500 per month, the fee you will have to pay will be 448.5 euros.

However, this base is not eternal and you can modify it up to four times throughout the year, as stated in the new  Law on Urgent Self-Employment Reforms, approved at the end of 2017. Another novelty introduced by this regulation is that On the first three occasions throughout the year that you sign up for the RETA, the fees will be paid according to the actual days you sign up, instead of paying the full monthly fee.

Also, remember that if you sign up for the RETA for the first time, you can benefit from the so-called flat rate. Also if you have not contributed to this scheme in the last two or three years, in the event that you have previously enjoyed this bonus. These are the fees that you will have to pay:

  • First 12 months:  50 euros if you contribute for the minimum base or get up to 80% bonus in case of contribution for a higher base.
  • Months from 12 to 18:  50% reduction in the fee during the second semester
  • Months from 18 to 24:  30% reduction during the following semester.

Likewise, women under 35 and men under 30 are entitled to a reduction on the quota of common contingencies during the 12 months following the termination of the flat rate, equivalent to 30% resulting from applying the minimum rate in force (29, 80%) to the minimum contribution base of this scheme.

Where do you have to register?

You have to go to the offices of the Social Security Treasury and fill out the  TA form. 0521, a two-page document, consisting of seven sections.

Applicant data: it is time to enter your personal data: name, surname, address, social security number, mobile phone, email …

Data related to the request: you must select the reason for which you are submitting the request (registration, cancellation, or data variation). You must also enter the date on which you started/stopped or changed your economic activity. In another box, if this is the case, you can specify the reason for the cancellation of your company or that you vary the identification data of your company, while in another box you must enter the DNI of the new owner of your company (if any).

Data related to professional activity: in this block, you must specify the economic activity that you are going to carry out, the name of your company, the  Economic Activities Tax  (IAE), and the business address. The CNAE number will be provided by Social Security when you submit the form. As the last step within this point, you must mark with an X, if your situation is between any of the following assumptions:

  • Women incorporated into work after motherhood.
  • Autonomous integrated in a professional college.
  • Peddling.
  • Notary.
  • Seasonal worker (where you will include the phase of cessation of activity).

Options regarding the contribution base: in this section, you must enter the chosen base (minimum, maximum, or other), as well as the Mutual Collaborator with Social Security, which will be the one that covers the risks of the coverage that you also choose in this block

Details of your bank account: Finally, in section 7 of the TA form. 0521 you can indicate the data of the bank account in which you want the payment of the self-employed fees to be domiciled.

What documentation is needed to register for the RETA?

In addition to the aforementioned TA. 0521 completed, you have to present the copy and the original of the registration form at the IAE, a photocopy of your ID, the Social Security membership card (if you have worked previously and, if not, you must do this procedure simultaneously), and the document of adhesion to a mutual of accidents of work to be able to receive an economic benefit in case of temporary incapacity. You must also present the certificate of the corresponding school, for the activities of Professional Associations.

And don’t forget that, from the moment you register with the Treasury, you have a maximum of 30 days to register for Social Security.

And it is that the beginning of any business and entrepreneurial adventure is complex. And, sometimes, you have to rely on financial institutions to help you fulfill your dreams. We want to help you and offer you a series of facilities, from personal loans to debit cards specially designed for the self-employed and SMEs. So, if you are thinking of starting a business, do not hesitate, and take a look at our accounts for companies.

More Topics

Read Previous

Morningstar: what it is and how it works

Read Next

Wedding loans: everything you need to know

Leave a Reply

Your email address will not be published.

Situs Togel 4D Bo Togel Bandar Togel Deposit Pulsa hondatoto Agen Togel Deposit Ovo Togel Bet 100 Perak Bandar Togel Terbesar Toto Togel Bandar Togel Daftar Bandar Togel Terbesar agen togel deposit ovo situs togel 4d Slot Bonus 100 Situs Judi Slot Terbaik Slot Gacor Slot Pragmatic Link Slot Gacor Dingdong Togel Slot Deposit Pulsa Situs Slot Judi Online Agen Slot Online BO Togel 5 Bandar Togel Terpercaya Agen Togel Bet 100 Perak Toto Togel Agen Togel Resmi Bandar Togel Deposit Pulsa Dingdong Togel Situs Togel Terbesar Bandar Darat Togel Togel Toto Online Togel Singapore BO Togel Bet 100 Perak Agen Togel Deposit Pulsa Situs Bandar Togel Hadiah 4D 10 Juta 10 Situs Togel Terpercaya 5 Bandar Togel Terpercaya Situs Slot Deposit Pulsa Agen Slot Online Togel Hari Akun Slot Bet Game Situs Judi Slot Situs Judi Slot Resmi Game Slot Slot Game Bonus New Member 100 Agen Togel terpercaya 10 Situs Togel Terpercaya Agen Togel Online Agen Togel Singapore Togel Toto Macau Situs Togel Terpercaya 10 Situs Togel Terpercaya Situs Bandar Judi Togel Situs Togel BRI Online 24 Jam situs togel dan slot SITUS TOGEL DEPOSIT VIA DANA situs togel terbaik 5 bandar togel terpercaya bandar togel hadiah 4d 10 juta terpercaya BANDAR TOGEL HADIAH 4D 10 JUTA Situs Slot Bet 100 Perak situs bandar togel terpercaya Bandar Togel Deposit Pulsa Situs Slot Situs Slot deposit Pulsa Agen Slot Dan Togel Toto Slot Bandar Togel Hadiah 4D 10 Juta Situs Togel Online Situs Slot Togel Terlengkap Agen Slot BO Togel Agen Togel Online Situs Bandar Togel Dan Slot Situs Togel Togel Deposit Pulsa Slot Gacor Bandar Togel Lengkap Situs Slot 5 Bandar Togel Terpercaya Bo Togel dan Slot Toto Togel Judi togel Togel Hadiah 2D 100rb Bandar Togel Dan Slot Togel Bet 100 Lotre Togel bandar darat togel 5 bandar togel terpercaya Situs Togel Terpercaya bandar judi terpercaya Bandar Togel Terbesar Bandar Togel Online bandar togel bandar togel terpercaya hadiah terbesar judi togel bandar togel terbesar situs judi online bandar togel terbesar Togel Online Bandar Togel Bolak Balik Dibayar Bandar Togel Lengkap situs togel Bandar Togel Togel Hadiah 4d Terbesar bandar togel hadiah terbesar Bandar Togel Hadiah 4d Terbesar judi togel Togel Online Terbaik Situs Togel Terbesar Bandar Lotre Togel Togel Kamboja Dingdong Togel Bandar Togel Terbesar dan Terpercaya Bandar Togel Terpercaya Daftar Bandar Togel Togel Deposit Via Dana 5 Bandar togel terpercaya agen togel terpercaya slot online Situs Bonus New Member Slot Gacor 10 Situs Bandar Togel Slot Online Agen Slot Online Slot Pragmatic Slot Pragmatic Agen Togel Lengkap Bandar Togel Hadiah 4d 10 Juta Slot Resmi Bo Togel Situs Togel Terpercaya 5 Bandar Togel Terpercaya Agen Bo Togel Bandar Togel Slot Pragmatic Judi Slot Pragmatic agen togel online Agen Togel Terpercaya toto togel 5 Bandar Togel Terpercaya Bandar Togel Terpercaya Bandar Togel Online Situs Togel Resmi Agen Slot Judi Slot Online 10 Situs Togel Terpercaya Slot Pulsa Tanpa Potongan Situs Slot Gacor Bo Togel Togel deposit pulsa Agen Judi Slot Online Terpercaya Situs Slot Gacor Mesin Slot Bandar Togel dan Slot Agen Judi Slot Pragmatic Slot Online Via Dana Link Slot Gacor Situs Game Slot Online SITUS SLOT ONLINE GAME SLOT Agen Togel Terpercaya Bandar Togel Slot Bandar Togel dan Slot Bandar Togel Terpercaya Hadiah 4d 10 Juta Bo Togel Bandar Togel Deposit Pulsa Bandar Togel Terpercaya Bandar Togel Hadiah 2d 100rb Slot Pragmatic 5 Bandar Togel Terpercaya Bandar Darat Togel Bandar Togel Dan Slot Bandar Togel Hadiah 2d 100rb Bandar Togel Hadiah Terbesar Bandar Togel Lengkap Bandar Togel Online Bandar Togel Terbesar Daftar Bandar Togel Tertua Agen Slot Bonus 100 Agen Togel Mesin Slot BANDAR TOGEL HADIAH 2D 100RB Bandar Togel 77 TOTO SLOT 5 Bandar Togel Terpercaya 5 Bandar Togel Terpercaya 2022 Situs Judi Slot Terbaik Bandar Darat Togel Bandar Lotre Togel Bandar Togel Bet 100 Rupiah Bandar Togel Bet 100 Bandar Togel Hadiah 4d 10 Juta Terpercaya BANDAR TOGEL HADIAH 4D 10 JUTA Bandar Togel Terpercaya BANDAR TOGEL TERPERCAYA HADIAH TERBESAR Bandar Togel Terbesar BANDAR TOGEL LENGKAP Bandar Togel Hadiah Full Togel Online Bandar Togel Resmi Bandar Togel Terbaik Bandar Togel Terbesar Situs Slot Online Bandar Judi Slot Online BANDAR JUDI SLOT ONLINE BANDAR TOGEL TERPERCAYA KUMPULAN SITUS JUDI SLOT 4D Situs Bandar Togel Hadiah 4d 10 Juta LINK BANDAR SLOT TERPERCAYA Daftar Bandar Togel Terbesar Dan Terpercaya Daftar Bandar Togel Tertua Dingdong Togel Daftar Situs Judi Slot Online BANDAR TOGEL TERPERCAYA AGEN JUDI SLOT ONLINE TERPERCAYA DAFTAR JUDI SLOT ONLINE Slot Pragmatic BO JUDI SLOT ONLINE DAFTAR SITUS SLOT GACOR Nama Nama Situs Judi Slot Online Terpercaya Togel China Bandar Judi Slot Online SITUS JUDI SLOT DEPOSIT PULSA Situs Slot Deposit Pulsa Togel Kamboja Agen Togel Resmi AGEN SLOT ONLINE Slot Bonus New Member 100 LINK BO TERPERCAYA SITUS SLOT GACOR Slot Gacor Agen Judi Slot Online Resmi DAFTAR NAMA NAMA SITUS JUDI SLOT ONLINE DAFTAR SITUS JUDI SLOT ONLINE AGEN TOGEL RESMI DEPOSIT PULSA Toto Slot Agen Judi Slot Gacor SLOT ONLINE KUMPULAN NAMA SITUS SLOT ONLINE TERPERCAYA Bandar Togel dan Slot GAME SLOT ONLINE Togel Bandar Darat BANDAR TOGEL TERBESAR TOGEL HADIAH PRIZE 123 BANDAR TOGEL TERPERCAYA Agen Slot Online Situs Slot Deposit Pulsa Situs Judi Online Situs Slot Online Situs Judi Togel Situs Judi Slot Online Terpercaya 5 Bandar Togel Terpercaya Toto Slot Agen Judi Slot Online Situs Slot Terbaru Togel Deposit Pulsa Slot Online Situs Judi Slot Online Terpercaya Slot Pragmatic Bandar Togel Bet 100 Perak Situs Slot Slot Deposit Pulsa Slot Mpo Situs Judi Slot Online Slot Online Terbaik dan Terpercaya Game Slot Agen Slot Pulsa Slot Gacor Agen slot dan Togel Agen Judi Slot Online Terpercaya Togel dan Slot Agen Togel Slot Gacor Slot Gacor Agen Judi Slot Online24Jam Slot Gacor Judi Online Judi Slot Online Bo Togel Slot Online Sultanplay Situs Judi Slot Online Situs Mpo Slot Gacor Slot PG Soft Slot Online Sultanplay Situs Togel Online Agen Judi Slot Online Situs Togel dan Slot Online 10 Situs Togel Terpercaya 10 SITUS TOGEL TERPERCAYA Slot Online Terpercaya Joker Slot Bandar Togel Dan Slot Bandar Togel Hadiah Full Bandar Togel Hadiah Terbesar Bandar Togel BANDAR TOGEL TERPERCAYA Akun Togel Resmi Togel Macau Togel Kamboja Slot Deposit 5000 Slot Terpercaya Togel Singapura Toto Macau Nama Nama Situs Slot Online Bandar Togel Kamboja Bandar Togel Terpercaya Togel Hadiah 4d 10 Juta Terpercaya Agen Slot Agen Judi togel Resmi Situs Togel Terpercaya Situs Togel Terbesar Bandar Toto Terpercaya Agen Slot Gacor Togel Hongkong Judi Slot Online Hondatoto Ojktoto agen slot agen togel resmi togel online agen togel terpercaya agen togel slot online bandar togel situs slot bandar togel online judi slot agen bandar togel agen togel situs judi slot slot online 5 bandar togel terpercaya bo togel terbesar agen slot judi togel online agen togel terpercaya situs togel terpercaya slot online bo togel slot online bo togel bo togel agen togel online agen togel online bo togel deposit via pulsa bet 100 tanpa potongan agen togel terpercaya https://www.cansbar.com/cgi-bin/ toto slot bo togel bo togel idn slot bo togel judi togel online slot gacor https://www.veracruzanos.info/wp-admin/js/widgets/ murah slot situs judi slot situs togel resmi daftar bandar togel tertua bo togel wap togel aman https://www.la-hunaudaye.com/wp-includes/pomo/ bandar togel resmi bo togel situs slot situs slot https://extraderondonia.com.br/extras/video/ togel online bandar togel terpercaya 10 situs togel terpercaya https://wegotpowerfilms.com/music/img/ judi slot online situs slot gacor situs togel deposit via dana situs slot online terbaik 5 bandar togel terpercaya situs slot daftar togel bandar togel lengkap agen slot dan togel terpercaya bandar slot terpercaya dingdong togel agen judi togel situs togel situs judi slot situs togel bandar togel situs togel terpercaya bo togel hadiah terbesar togel 100 perak bo togel terpercaya seratus bandar togel togel 100 situs judi slot online togel hongkong togel sdy situs togel slot 4d bandar togel terbaik togel singapore situs togel terbaik agen togel resmi situs judi slot online bandar togel hadiah 4d terbesar situs slot deposit pulsa agen judi slot online agen judi slot gacor online situs judi slot online togel macau togel macau nama situs togel terpercaya situs bo togel togel kamboja slot mpo situs judi slot terbaik situs judi slot online situs togel situs agen togel judi slot bandar togel online situs judi slot toto sdy togel deposit pulsa 10rb tanpa potongan togel taiwan situs togel resmi toto situs togel terpercaya daftar bandar togel situs togel resmi