Written answers
Wednesday, 10 July 2024
Department of Employment Affairs and Social Protection
Social Welfare Benefits
David Stanton (Cork East, Fine Gael)
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176. To ask the Minister for Employment Affairs and Social Protection the supports in place for those who are self-employed who are unable to work due to illness or injury; her future plans, if any, in this regard; and if she will make a statement on the matter. [30295/24]
Heather Humphreys (Cavan-Monaghan, Fine Gael)
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Illness benefit is the primary short term income support provided by my Department to those who are unable to work due to illness of any type and who are covered by social insurance.
Eligibility for illness benefit depends on the person’s PRSI record and class. The person must have made the required number of contributions under class A, E, H or P to qualify. In general, self-employed people make PRSI contributions at Class S which does not provide entitlement to illness benefit.
Self-employed people pay contributions to the Social Insurance Fund at a lower rate of 4%. This is 11 percentage points lower than the combined employer and employee contribution of 15.05% made in respect of employed contributors. However, self-employed contributors do have access to over 90% of benefits available to employed contributors including;
- Adoptive Benefit;
- Guardian's Payment (Contributory);
- Invalidity Pension;
- Jobseeker's Benefit (Self-Employed);
- Maternity Benefit;
- Parent's Benefit;
- Partial Capacity Benefit (where in receipt of Invalidity Pension);
- Paternity Benefit;
- State Pension (Contributory);
- Treatment Benefit; and
- Widows, Widower's or Surviving Civil Partner's (Contributory) Pension.
In circumstances where people are ill but do not qualify for illness benefit or invalidity pension, my Department provides means tested supports under the disability allowance scheme and the supplementary welfare allowance scheme. An additional needs payment may also be available to people who have expenses that they cannot pay from their weekly income.
My Department will continue to keep its range of supports under review to ensure that they meet their overall objectives. Any changes to the current system would need to be considered in an overall policy and budgetary context, and in the context of contribution rates and the overall sustainability of the Social Insurance Fund.
I trust this clarifies the matter for the Deputy.
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