Being on medical leave as a self-employed worker doesn’t just mean taking care of yourself and recovering—it also involves dealing with a series of administrative procedures that, if not managed correctly and on time, can affect your benefit payments. From our tax and accounting office in Palma, we explain the key steps to manage your medical leave… and how we can help you do it quickly, safely, and hassle-free.

✅ 1. Get your medical leave certificate

The first step is to visit your general practitioner (for common illnesses) or your occupational health mutual insurance company (in case of work-related accidents or occupational diseases). They will issue the medical leave report that certifies your inability to work.

✅ 2. Notify your situation

You must submit the medical leave report to Social Security or your mutual insurance within a maximum of 15 days from the start of your leave.

You’ll also need to fill out a form specifying whether you will temporarily stop working, hire a substitute, etc. This form is available online, but if you need help, our team can handle it for you.

✅ 3. Do you meet the requirements?

To qualify for the temporary disability benefit, you need to:

• Be registered with the RETA (Special Regime for Self-Employed Workers).
• Have contributed for at least 180 days in the past 5 years (except in cases of work-related accidents or occupational diseases).
• Be up to date with your Social Security payments.

If you’re unsure about your status, we’ll check it for you with no obligation.

✅ 4. Apply for your benefit payment

Once the leave is reported, the benefit payment must be processed. This is handled by your mutual insurance, but you’ll need to submit:

• Your medical leave certificate.
• Proof of registration with RETA.
• Your latest Social Security payment receipt.
• A declaration regarding your business activity.

We take care of gathering and submitting all these documents properly.

✅ 5. How much and when do you get paid?

The amount depends on the reason for your leave:

• Common illness / non-work-related accident:
  • Days 1–3: no payment.
  • Days 4–20: 60% of your regulatory base.
  • From day 21: 75%.
• Work-related accident or occupational disease:
  • From the next day: 75%.

✅ 6. During your leave and recovery

While you’re on medical leave, you must submit periodic confirmation reports.

Once you recover, your doctor will issue the medical discharge certificate, which is essential to legally resume your activity.

Does all this sound overwhelming? That’s what we’re here for

From our tax and accounting office in Palma, we help freelancers like you take the stress out of the process.
We manage your medical leave, remind you of deadlines, collect and submit all documents… so you can focus solely on getting better.