Risk benefit during pregnancy (self-employed women)

The risk benefit during pregnancy is a contributory benefit within the protective action of Social Security that aims to compensate for the loss of income suffered by pregnant working women who are forced to interrupt their professional activity to avoid the risks that this poses to their health or that of their fetus.

This risk during pregnancy should not be confused, with high-risk pregnancy , which is one in which, due to the nature of the pregnancy or the personal circumstances of the pregnant woman, it is not advisable for her to continue working. Complications inherent to the pregnancy itself and not related to work (for example: twin pregnancy, threatened abortion, placenta previa, acute low back pain, in-vitro fertilization...) are subject to protection under the Temporary Disability benefit derived from Common Contingency and, in these cases, you must go to the primary care doctor so that the corresponding medical leave can be issued.

Access to this benefit does not arise directly from the mere existence of risks in a professional activity, but when said risks can specifically affect the health of the pregnant woman or the fetus and cannot be avoided by taking preventive measures or changes in the way the professional activity is carried out.

When the risks for the pregnant woman cannot be avoided and so certified by her Mutual Fund, the pregnant self-employed worker may interrupt her professional activity and request risk benefit during pregnancy.

First of all, when the pregnant woman considers that in the exercise of her professional activity there are agents, procedures or working conditions that may negatively influence her health or that of the fetus that cannot be avoided by adopting preventive measures, she must request from the Mutual Fund a medical certificate that certifies these extremes.

From the moment the mutual insurance company issues the medical certificate, recognizing the existence of occupational risks that affect pregnancy, the pregnant woman will decide the date from which she interrupts her professional activity.

Once your professional activity has been interrupted, you may request risk benefit during pregnancy from the Mutual Fund from that moment on.