Pluriactividad (being employed and self-employed at once)

Pluriactividad means being an employee and self-employed at the same time, contributing simultaneously to the general regime and to RETA (the self-employed scheme). You pay into the system twice, but if your combined contributions exceed the cap set each year by the contributions order, you are entitled to a partial refund of the excess.

The refund of the excess is nowadays processed automatically, without you having to claim it. Within RETA you still pick your bracket based only on your self-employment net income, regardless of your salaried job.

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Regularización de cuotas (annual adjustment of self-employed contributions)

Cese de actividad (self-employed unemployment benefit)

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