In Portugal, according to media reports, in December 2024, the number of people receiving unemployment benefits was 156,854.
This benefit, which a worker in a situation of involuntary unemployment can receive, represents an enormous help. It works like a safety net which helps prevent poverty and social exclusion when looking for a new job.
It should be noted that, according to the INE (National Institute of Statistics), in December 2024 the unemployment rate was 6.4%.
If you are an employeeHow to receive unemployment benefits? What amounts am I entitled to? And for how long can I have this help from the state? This is what we will explain below.
What is unemployment benefit?
It’s a cash allowanceassigned by Social Security, to alleviate the loss of income caused by involuntary job loss. To apply, you must already be registered with the Employment Center or with the Employment and Professional Training Center Service.
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Requirements to be entitled to unemployment benefits
There are various conditions that allow you to obtain unemployment benefits. Here are the most important ones, for those who are national citizens and have worked for others:
- hit live in Portugal;
- they had a job with an employment contract;
- or unemployment is involuntary (i.e. did not resign or was fired for just cause);
- do not work;
- not carry out any type of activity (paid or unpaid) in the company for which he worked, or in a company or business group related to it;
- have the skills and be available to work;
- be registered to look for work at the Employment Center of the area of residence;
- they applied for benefits within 90 consecutive days (hereinafter) from the date of unemployment;
- respect the warranty period.
✅ Usage: or warranty period corresponds to having worked as an employee and contributed to Social Security, during at least 360 days in the 24 months preceding unemployment.
How to apply for unemployment benefits?
This benefit can be requested at an Employment Centre. However, to this end it is necessary to already be registered with the Employment Centre. Otherwise you can register in person at the Employment Center in your area of residence, or online.
Although it is not mandatory to make an appointment at the Job Center, it is safer to do so.
⚠️ Attention: can request the benefit up to 90 consecutive days from the date of unemploymentbut you will only be able to receive it from the order delivery date. If you exceed 90 daysos the days corresponding to the delay will be deducted during the period of granting the subsidy.
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On the day you go to the Employment Centre, bring the following documents with you:
- Citizen’s card or Identity Card updated;
- Declaration of unemployment status (form RP5044), confirmed by the employer, as well as the date of the last payment. It can be sent directly by the employer, via Social Security Direct, with the employee’s authorization. In this case, the employer must provide a copy of the document. If it hasn’t been sent onlineyou can hand it in on paper when you go to the Job Centre.
✅Usage: in cases where the employer does not provide such a declaration, the Working Conditions Authority (ACT) must issue it within 30 days from the date on which the worker requests it; - Declaration of delinquent wages (model GD018). Surrender in case of suspension of the contract due to unpaid salary. This statement is issued by the employer or the ACT;
- Application for unemployment benefit (model RP5000). This form is filled out online by the employee of the Employment Center.
Other documents:
- left justly fired cause and disagrees with the decision, he must present himself evidence of legal action against the employer;
- if you have dismissed for just causebut the employer has presented another reason or qualifies the unemployment as voluntary in the RP5044 form, he must present evidence of legal action against the employer;
- if you have terminated the contract due to domestic violencemust present victim status.
How long can I receive unemployment benefits?
The duration depends on yours age and the number of months you have contributed to social securitywhile he was working.
According to the table which came into force on 1 April 2012, the worker who loses his job involuntarily after that date, and does not have the required guarantee period (previously on 04/01/2012 it was 450 days), has a benefit period ranging from 150 diam TO people under 30 years old e less than 15 months of discountsA 540 diam TO over 50 and 24 or more months of discounts for Social Security.
The period for granting unemployment benefit may also be extended depending on the pay ratios at the social security, as provided for in number 2 of article 37 of the legal social protection regime in the event of unemployment of employees.
⚠️ Attention: the disbursement times could be different for those who, on 31 March 2012, would already be entitled to the benefit and have never found themselves unemployed since then. In this case, if it is more convenient for you, you can choose the table in force before 1 April 2012.
You can consult the concession period tables on the Social Security Unemployment Compensation page.
Since when is he paid?
From the date of request for the subsidy.
How is it received?
You can receive it via:
- bank transfer – check if you have your IBAN registered with the Social Security. You can do it online or in social security customer services;
- valid postal – you can withdraw at CTT or deposit at your bank.
What amount am I entitled to receive?
The amount to be received is subject to the salary amount and minimum and maximum limits of the subsidy.
The daily value to be received is equal to 65% of the reference salary (RR). Therefore the first thing to do is to understand what this value is.
Then, how to calculate unemployment benefit?
- Add up the wages declared to Social Security for the first 12 months of the last 14, starting from the month before the date of unemployment.
Exemplaryto understand this better: let’s imagine that you became unemployed in February 2025. The previous month is January 2025. Counting back 14 months you arrive at December 2024.
You will therefore have to add up how much you earned from 1 December 2024 to 31 November 2024; - Add the value of holiday and Christmas allowances (maximum one for each);
- Divide the total by 12;
- Multiply the result by 0.65 (to find 65%).
The resulting value From the above reports, in principle, is the value of the subsidy, if it falls within the minimum and maximum limits.
And what are these limits?
theimitate the least: €522.50 (value of the Social Support Index, IAS) in 2025.
But be careful:
- when 75% of the net value of the RR is lower than the value of the IAS, the amount of the subsidy is equal to the lower of the following values: IAS or the net value of the RR;
- when the remunerations that served as the basis for the calculation of the subsidy correspond to at least minimum wage value (870 euros for 2025), the subsidy payment must be equivalent to at least 600.88 euros (1.15xIAS).
Maximum limit: €1,306.25 which corresponds to 2 and a half times the IAS value. Furthermore, also cannot exceed 75% of the net value of the RR which served as the basis for the calculations.
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Can I combine unemployment benefit with other social benefits?
It can accumulate with: allowances and pensions; A complementary bag for socially necessary work; and the exceptional work incentive measure (for long-term unemployed).
It is not possible to accumulate with social benefits such as, among others, the old-age pension and the social unemployment benefit.
Can I receive unemployment benefits and work part time?
If you become unemployed but have a part-time job, you can receive benefits partial unemployment benefit. But there are conditions: the value of salary part-time employment must be less than the equivalent of the unemployment benefit; Noit cannot be done in the company that fired you or in a related company.
The opposite is also truethat is, receiving unemployment benefits and starting to work part-time for someone else. If the salary you receive is less than the unemployment benefit, you can start receiving partial unemployment compensation.
The unemployment situation scares everyone. Especially those who have taken on responsibilities, such as a rental contract.
Did you know that Generali Tranquilidade Income Protection insurance can alleviate this burden? In a situation of involuntary unemployment, or temporary absolute incapacity, this insurance guarantees the payment of 4 or 6 months of rentdepending on the coverage chosen.
Contact us and discover the conditions of this insurance which can give you the serenity necessary to face a phase of unemployment.
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