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We are the alternative to the Self-Employed Social Security Scheme (RETA), so that, exclusively, industrial technical engineers or industrial engineering graduates can practice the profession without registering with RETA and choosing to do so in Mupiti, with many advantages.
This social provision, complementary or alternative to the public Social Security system, is embodied in the following own covers:
- Retirement
- widowhood
- orphaned
- Partial and total permanent disability due to illness and accident
- Death by accident
- death
- Great dependence and absolute dependence
LIFE PRODUCTS , an economic guarantee for yours in the event of incapacity or death, with the flexibility to take out cover or guarantee the payment of your mortgage.
ACCIDENT PRODUCTS , total security in the face of unforeseen events anywhere in the world.
PROTECTION PRODUCT , Insured protection against any unforeseen event.
RETIREMENT PRODUCTS , with guaranteed profitability plus profit sharing.
INSURED BENEFIT PLAN.
INVESTMENT PRODUCTS , guaranteed profitability plus profit sharing.
As a novelty, we present the MUPITI insurance for the self-employed, which allows you to deduct up to 4,250 more euros.
Law 12/2022, which entered into force on July 2, 2022, introduces novelties to encourage self-employed professionals to save through "Simplified Employment Plans (PPES)". The effective date of the fiscal innovations introduced by this rule is January 1, 2023.
One of the planned modalities is the pension plans for self-employed or self-employed workers, which may be promoted by Social Security Mutual Funds. In this modality, the participants will exclusively have to be self-employed or self-employed people.
Law 12/2022 incorporates the modification of the Personal Income Tax Law with reference to the reduction limits and the financial limit of contributions and contributions to the social security systems of article 51 (Pension Plans, Social Security Mutual Funds, Insured Security Plans, Corporate Social Security Plans and Collective Dependency Insurance).
The joint maximum limit for the reductions in the taxable base provided for in article 51 of the Personal Income Tax Law, will be the lower of the following two amounts:
- 30% of the sum of the net returns from work and economic activities received individually in the year
- 1,500 euros per year
This previous limit can be increased by 4,250 euros as long as the increase comes from contributions to Social Security Mutual Funds
Thus, MUPITI has designed the new "Previsión Social Complementaria Autónomos" insurance that can be subscribed by self-employed professionals who are technical engineers and are registered. Through the new insurance, which will be in force from January 2023, they will be able to make contributions with an annual maximum of 5,750 euros (1,500 + 4,250) and which will be tax-deductible.
It must be taken into account that if the insured/participant has several social security systems, the contributions and relief for all of them must not exceed this annual limit.
Want more information? Request it on the phone 695 314 297 or erika.recio@mupiti.com