Social systems keep changing, and staying informed matters for everyone. Recent policy updates broaden access for people aged 52 and older, especially those with family responsibilities. This article explains what changed, how it affects individuals, and what to monitor in the new rules.
Subsidy reform for those over 52: draft or reality?
The subsidy reform initially drafted for people over 52 promised notable flexibility. It has been suggested that earnings above 75 percent of the minimum interprofessional wage (SMI) would not automatically block access if family responsibilities are present. The most recent official text published in the BOE narrows this possibility and provides tighter limits.
Eligibility for the 52-plus allowance: it’s about income
To understand how these changes affect applicants, grasp the income requirements. Previously, benefits could not be received if personal income exceeded 75 percent of the SMI. That rule remains, but with an important qualification: those with family responsibilities may receive unemployment support, though this support is not restricted to anyone strictly aged over 52.
A legal expert discussed this on the YouTube channel by Laboroteca, a subsidy and social security specialist [Attribution: Laboroteca YouTube channel].
Differences between subsidies: a clear comparison
Two main subsidies require distinction:
- Subsidy for unemployment at the health level: this benefit applies when family responsibilities exist and lasts up to 30 months without contribution.
- Special subsidy for people over 52: this option offers unlimited duration with pension contributions, but is limited to individuals with no income.
Family responsibilities: what counts for subsidy eligibility?
The reform clarifies that family responsibilities are recognized when the family’s total income divided by the number of members does not exceed 75 percent of the SMI. This means that even if a person’s individual income is above the threshold, eligibility may still be possible if the average family income remains under the limit.
Who counts as family unit members for subsidies?
The following individuals are considered part of the family unit for subsidy purposes:
- Spouse or partner in a de facto relationship.
- Disabled children under 26, or older if they are dependents.
- Minor children under care or supervision.
- If the subsidy recipient and their spouse have a child together.
How much income qualifies for the support provided to those over 52?
Income for the subsidy includes wages, salaries, and other regular payments. Returns and capital gains from movable or immovable capital are part of total income. However, the subsidy itself, salaries from eligible jobs, severance pay within legal limits, and benefits such as dependent-child allowances or care allowances are not considered income for eligibility purposes.
These changes create new opportunities while presenting challenges for many. To maximize chances of receiving support, it is crucial to stay informed and understand the rules and their limits. This guide aims to clarify common questions and help navigate the evolving landscape of SEPE and social security benefits. Staying current is key to adapting to these new scenarios.