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A key body to provide extraordinary support to protected workers

The FREMAP Special Benefits Commission is the body responsible for analysing, assessing and approving financial aid and extraordinary support for protected workers who are in situations of need arising from a work accident or work-related illness.

Its actions fall within the powers attributed to the Mutual Societies Collaborating with Social Security and constitute a differentiating element of FREMAP's care model due to its humanitarian and social approach.

Purpose of the Commission

The Commission's objective is:

  • To address urgent or extraordinary needs that are not covered by the standard benefits of the Social Security System.
  • To mitigate the economic, social and personal impact that a work accident or work-related illness can have on the worker and their family.
  • To facilitate the recovery, rehabilitation and labour and social integration of the worker.
  • Granting exceptional aid, assessing its relevance, urgency and proportionality.
  • These benefits are neither mandatory nor guaranteed: are granted on a discretionary basis, through individualised analysis and prior presentation of supporting documentation.

Supplementary benefits are included within the so-called "social assistance benefits" provided by Mutual Insurance Companies:

  • The Commission operates under criteria of fairness, necessity, proportionality and transparency.
  • Exclusively intended for protected workers and their families who present a state of need derived from a work accident or work-related illness.

The regulations that currently govern special benefits are the Royal Decree 453/2022

It is composed of:

  • 5 representatives appointed by the trade union organisations.
  • 5 representatives from partner companies.

  • The Commission meets monthly and also in extraordinary sessions when required by the urgency of the case.
  • The process for processing and assessing the benefit includes:
1

Completion of the application by the worker.

2

Receipt of the application and review of the documentation.

3

Asset value

  • The Commission studies each case individually.
4

Agreement and resolution

  • Full or partial approval or rejection.
  • Certified communication, via mail or electronically, to the worker.

Types of aid that the Commission can approve

The Commission may authorise financial or in-kind aid, always linked to the recovery process, the social impact of the accident or the improvement of the worker's living conditions. Among the most common are:

  • Assistance to cover the cost of a long-term stay in a social care or residential centre.
  • Assistance to cover the costs of relocation, accommodation and meals of the worker in a hospital, social care or residential centre, as well as the companion in charge of their care.
  • Aid for non-regulated prostheses and technical support.
  • Aid for non-regulated medical or therapeutic treatment. 

  • Courses for vocational training and social and labour integration.
  • Adaptation to the workplace where the self-employed worker carries out their activity.

  • Aid for removing barriers in the main residence.
  • Aid for acquiring adapted housing.
  • Aid for adaptation of a vehicle or the acquisition of an adapted vehicle.
  •  Home help for performing basic activities of daily living.
  • Aid for accessing the new Information and Communication Technologies.

  • Complementary aid for death.
  • Aid for training in the care for people with severe disability.
  • Aid to keep possession or use of the main residence.

Assessment criteria

When approving aid, the Commission analyses:

  • Severity and nature of the accident.
  • Functional and social impact of the sequelae.
  • Economic situation of the worker and assessment of the state of need.
  • Suitability of the requested assistance to the therapeutic or care objective.
  • Urgent or unforeseen nature of the need.
  • Possibility of coverage through other public entities.
  • Rationality of spending.

The Special Benefits Committee:

  • It reinforces FREMAP's social commitment.
  • Contributes to the humanisation of care.
  • It complements health and social services resources.
  • It supports workers in particularly difficult situations.
  • Facilitates autonomy through training.
  • It builds trust in companies and workers.