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Work-related Injuries

Decorative image, workers

Work-related Injury means any bodily injury suffered by a worker on occasion of or resulting from the work he or she conducts as an employee. In the case of a self-employed worker, Work-related Injury means any bodily injury suffered by the worker as a direct and immediate consequence of the work that he or she performs for himself or herself which is the basis of his or her inclusion in the scope of the Special Regime for Self-employed Workers.

Benefits that may be provided for Work-related Injuries are:

Health Care

  • Medical/surgical and rehabilitative treatment of injuries or diseases suffered, pharmaceutical prescriptions and, in general, all diagnostic and therapeutic techniques considered necessary by physicians caring for the injured party.
  • Provision and normal renewal of required prosthetic and orthopedic devices and vehicles for invalids (wheelchairs, etc.).
  • Appropriate plastic and reconstructive surgery when there are deformations or mutilations that significantly alter the physical appearance of the victim or hinder functional recovery for later employment.
  • Rehabilitation treatment required to achieve more complete healing and a greater ability to work in the shortest time possible.
  • Expenses incurred in travel to receive care in normal means of transport or in duly authorised extraordinary means of transport.

Cash benefits

The benefits that FREMAP will organise, after the work-related accident or occupational disease has occurred, are regulated in the consolidated text of the General Social Security Act, approved by the Spanish Royal Legislative Decree 8/2015, of 30 October (B.O.E. [Official Government Gazette] 31/10/15), and concordant regulations:

  • Temporary disability.- 75% of the regulatory base.
  • Not disabling permanent injuries.- Lump sum, according to scale.
  • Partial permanent disability.- 24 monthly payments of the regulatory base.
  • Total permanent disability.- Pension equivalent to 55% of the regulatory base plus 20% for people over 55 years old that fulfill certain legal requirements.
  • Absolute permanent disability.- Pension equivalent to 100% of the regulatory base.
  • Severe disability.- Pension equivalent to 100% of the regulatory base, plus an additional 45% of the minimum contribution base and 30% of the last contribution base of the worker.
  • Benefits derived from death:
    • Death grant.- €46.04
    • Widowhood.- pension of 52% and lump sum indemnity of 6 monthly payments of the regulatory base.
    • Orphanhood.- pension of 20% and lump sum indemnity of 1 monthly payment of the regulatory base for each orphan.
    • Benefits for family members.- pensions, temporary subsidies and lump sum indemnities when they have lived with and depended economically on the deceased and meet the specific requirements.
  • Payment of pharmaceutical costs.
  • Payment of hospital or doctor costs when these services have been used in cases of emergency.
  • Payment of travelling expenses to the medical services of FREMAP

Special benefits

The FREMAP Special Benefits Committee can give ex gratia economic assistance in view of states and situations of need that arise as a result of a work-related accident or occupational disease.

It can be requested by all the workers of our mutual insurance companies or self-employed workers that have voluntary coverage of Work-Related Accident or Illness, and who have suffered an accident that leaves them in a situation of economic need due to loss of income or special costs that are not covered by the Social Security System.

In the event of death, the employee's/worker's dependents may apply for it.