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💡 MCHM Lawyers - Lawyers - Bankruptcy Law 📎 FOGASA in 2025: New coverage limits for workers in bankruptcy proceedings 🏠 https://www.mchmabogados.es/idiomas/en/ 🔗 https://www.mchmabogados.es/idiomas/en/abogados-derecho-concursal-almeria ⚖️ Lawyers in Almería 📞 950 106 453 / 674 21 65 59 📧 info@mchmabogados.es 👉 FOGASA in bankruptcy: Updated coverage limits in 2025 ✨ 💬In today´s complex labor landscape, the Salary Guarantee Fund (FOGASA) remains an essential tool to protect workers´ economic rights against corporate insolvency. In 2025, coverage limits have been updated in line with the increase of the Minimum Interprofessional Wage (SMI), which entails significant implications for both employees and employers in bankruptcy situations. ✍️ What is FOGASA and when does it intervene? FOGASA is a public body attached to the Ministry of Labor and Social Economy that guarantees the payment of wages and severance to workers when their companies cannot meet these obligations due to being declared insolvent or being in bankruptcy proceedings. Its intervention is activated in two main cases: 1. Judicially declared corporate insolvency, after a wage claim procedure. 2. Bankruptcy proceedings, even if insolvency has not been formally declared, provided there are outstanding wage or severance debts to workers. FOGASA coverage limits in 2025 FOGASA coverage is not unlimited. It is subject to legal caps updated annually according to the SMI. In 2025, the SMI has been set at €1,184 per month in 14 payments, equivalent to €92.08 per day. Based on this figure, the following limits apply: 1. Salary limit • Daily cap: FOGASA covers a maximum of twice the daily SMI, that is, €92.08 per day. • Maximum duration: Up to 120 days of unpaid wages. • Maximum amount: In total, the maximum FOGASA can pay for wages in 2025 is €11,050.66. Practical example: If a worker earns €100 per day and the company owes them 6 months (180 days), FOGASA will only cover 120 days at €92.08 per day, i.e. €11,049.6. The rest will not be covered, even if judicially recognized. 2. Severance limit • Severance cap: FOGASA covers a maximum of one year, calculated based on twice the daily SMI. • Type of dismissal: Only severances for objective, collective, or termination due to economic, technical, organizational, or production causes are covered. • Maximum amount: In 2025, the maximum severance covered is €33,152. This amount is calculated according to the severance days per year worked (20 days per year for objective dismissals, for example), with a maximum of one year, always based on twice the daily SMI. Requirements to access coverage For FOGASA to assume payment, certain formal requirements must be met: • The debt must be recognized by conciliation act, final court ruling, or certification from the bankruptcy administrator. • The worker must submit the application within one year from the court ruling or the bankruptcy order. • The documentation must be complete and correctly submitted, including the employment contract, pay slips, court ruling, and debt certificate. Additional considerations • Part-time contracts: Limits apply proportionally to working hours. • Excluded payments: Items such as allowances, transport supplements, currency losses, among others of indemnity nature, are not covered. • Extra payments: They are considered prorated within the daily wage. Conclusion FOGASA continues to be a fundamental pillar of the labor guarantee system in Spain, especially in times of corporate crisis. However, it is crucial for workers and labor advisors to be aware of the updated limits for 2025, as these determine the real scope of protection. Proper management of procedures and timely submission of documentation are key to accessing this coverage effectively. ✨ ⚖️ Welcome to the Civil Process Online offered by MCHM Lawyers. Through our online platform, we provide you with the convenience of completing the entire procedure from the comfort of your home, without the need to visit our office or the courts (except for mandatory procedures). Below, we will guide you through each step of the process: Access to Your Personal Account: Once you access our website https://www.mchmabogados.es/idiomas/en/inicio-sesion-mchmabogados-almeria [Civil], you can create a personal account or log in if you already have one. From your personal account, you will have access to all the necessary tools to complete the Civil process. Document Upload: From your personal account, you can upload all the necessary documents to start the Civil process. This includes text documents, images, and any other relevant file for your case. Receipt of Notifications and Requirements: Once you have uploaded your documents, you will receive notifications and requirements through your personal account on our online platform. These notifications will include information about your case status, any actions required on your part, and any important communication related to your Civil process. Process Tracking: From your personal account, you can track your case progress in real time. This includes information about hearings, court rulings, and any other relevant updates. Communication with Your Lawyer: Through our online platform, you will have the ability to communicate directly with your assigned lawyer. You can make inquiries, ask questions, and receive personalized legal advice at any time during the process. Receipt of Judgment: Once the process is completed, you will receive the final judgment through your personal account on our online platform. This judgment will include any decision made by the court regarding your Civil case. In summary, our Civil Process Online offers you the convenience and flexibility to complete the entire procedure from the comfort of your home, without the need to visit our office or the courts (except for mandatory procedures). With access to your personal account on our online platform, you can upload documents, receive notifications, communicate with your lawyer, and track your case progress in real time. At MCHM Lawyers, we are committed to providing you with the best possible service throughout the entire Civil process. ✨ 📖 lawyers in almeria 📍 For more information, do not hesitate to contact MCHM Lawyers. ✍️ ⚓️ FOGASA, bankruptcy proceedings, 2025 limits, unpaid wages, labor severance, double SMI, worker protection, corporate insolvency, wage guarantee, objective dismissal, limited coverage, maximum annuality, labor rights, bankruptcy procedure, court ruling, FOGASA application, one-year deadline, legal security, legal update, guarantee fund

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