Sick Pay Protection (ILT)
In Spain, Social Security (Seguridad Social) pays a sick pay benefit when you're unable to work due to illness or injury. However, this benefit is often significantly lower than your usual income. Sick pay protection insurance (seguro de baja laboral or ILT) tops up the difference, so you maintain your standard of living during recovery.
Sick pay protection: for every situation
Self-employed and freelancers
For those for whom sick leave means a direct loss of income from day one. The insurance kicks in from the start, according to the agreed waiting period.
- Early cover
- Income protection
Employed workers
The Social Security benefit is usually lower than your actual salary. The insurance tops up the difference so you keep your standard of living while you recover.
- Tops up sick pay
- Keep your standard of living
People with fixed financial commitments
Mortgage, family or financial commitments: a long period of sick leave without cover can destabilise your whole budget. This protection brings stability.
- Peace of mind with the mortgage
- Family stability
Choose the protection you need
Basic
Daily benefit for illness or accident.
- Daily benefit for common illness
- Accident cover
- Benefit amount chosen by you
- Compatible with Social Security benefit
Complete
Greater protection with extended cover and shorter waiting periods.
- Everything in the Basic plan
- Hospitalisation included
- Shorter waiting periods
- Tailored to your profession and income
Bespoke
Benefit amount and cover tailored to your specific situation.
- Benefit matched to your real income
- Optional additional cover
- For higher-risk professions
It depends on the agreed waiting period and the cause of the sick leave. For accidents it is usually immediate. For common illness there is a waiting period.
Yes. Sick pay protection insurance acts as a top-up to the Social Security benefit. You can receive both at the same time.
Yes. The amount is matched to your real income, debts and needs. There is no point in taking out more or less than you need.
It depends on the initial health declaration and the policy terms. It is essential to disclose accurately when taking out cover.
Shall we protect your income?
We calculate the amount you need and find the best option for your situation.