Workers affiliated with EsSalud access the disability subsidy in Peru: since when does insurance cover and what are the requirements?

He SOCIAL SECURITY OF HEALTH (ESSALUD) In Peru, it grants a temporary disability subsidy to affiliated workers, with the aim of mitigating the economic loss they face by not being able to perform their work due to health problems. This benefit provides them with financial support during their recovery period.

In this way, the subsidy works as a financial support For affiliates in the process of recovery, guaranteeing that they meet the conditions and requirements stipulated in current regulations.

Next, it has been detailed since when the insurance is covered, the requirements, what documents must be submitted and what are the considerations established by EsSalud.

Since when does Essalud’s insurance cover workers with work disability?

According to the Ministry of Labor and Employment (MTPE), the employer is obliged to pay the corresponding remuneration during the first 20 days of the worker’s disability. From Day 21the insured can access the temporary disability subsidy granted by ESSALUD, which extends up to a maximum of 11 consecutive days, provided that it does not perform any paid work activity during that period.

To calculate the days of paid disability, those accumulated during each calendar year are added. It is essential that these days are supported by medical certificates, whether they are issued through the Temporary Incapacity Certificate for Work (CITT) or by private doctors. These documents must be included in the first file presented by the worker.

What are the requirements that I must meet to access the subsidy granted by ESSALUD?

The requirements that you must meet to access the subsidy granted by ESSALUD are the following:

• You must have a labor link at the time of starting temporary disability and having three (03) months of consecutive or four (04) non -consecutive contributions within six (06) calendar months prior to the month in which the disability began.
• You must have a labor link at the time of the enjoyment of the benefit (at the beginning and during the period to subsidize).
• If he is a fishing worker, he must have two (02) consecutive or non -consecutive contributions paid in the six (06) calendar months prior to the month in which the disability began.
• Insured fishermen and independent artisanal fishing processors must have three consecutive monthly contributions paid.
• In case of accident, there is enough affiliation.

What are the documents that I must present to access the EsSalud subsidy?

The insured holder, the legal representative of the employer company or an authorized person can carry out the procedure to request the temporary disability subsidy.

These are the requirements:

• Fill and sign form No. 1040.
• ID or foreigner card of the beneficiary applicant.
• Privacy policy for the processing of personal data. It is mandatory in the first process that is carried out.
• Have the temporary disability certificate for work (CITT), granted to the worker.
• Show the identity document of the insured (a) in case of direct payment or the legal representative of the employer, which signs the reimbursement application (unless it has a registration of signatures in ESSALUD).
• DNI of the third that performs the procedure (if applicable).
• Simple representation power for process signed by the Insured owner; And in case of reimbursement, it must be signed by the legal representative or authorized official of the employer.

What are the considerations that Essalud establishes to grant the work disability subsidy in Peru?

The considerations established EsSalud are the following:

• If you have private medical certificates that support the inability that has exceeded the first 20 days, they must be validated or redeemed by the CITT.
• The presentation of the validation application of the private medical certificate must be made at the Cevit Central Office or Viva Platform, or the control doctor of the Essalud Health Establishment.
• The presentation of the validation suspends the period of prescription of the right, to request the disability subsidy, whose calculation is resumed once the CITT is issued by Essalud.
• The deadline for submitting the application is 6 months, counted from the date that the disability ends.

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