What kind of social security for self-employed workers?

According to his/her status, the self-employed business owner belongs, for his/her social protection, either to the employees’ social security plan (if he/she is a PLC manager or a minority manager of LLC ...), or to the social security plan for the self-employed (individual entrepreneur, majority manager of LLC...).

Self-employed workers (craftsmen, traders, and factory-owners) will receive the following benefits upon the occurrence of sickness, maternity, and disability-death.

Sickness-maternity

Self-employed workers are entitled to the same rates and conditions of reimbursement of their health costs (drugs, medical consultations, laboratory costs...) as employees. In the event of a work stoppage due to illness or non-occupational accident, they can claim, after one year of affiliation, daily allowances calculated based on their average income of the last 3 years (maximum amount of € 56.35 per day). Pregnant self-employed workers can benefit, after 10 months of affiliation and if they cease their activity for at least 8 weeks, 6 of which after childbirth, a flat-rate daily allowance of € 56.35 and a maternal rest allowance of € 3,428. And at birth, self-employed workers (father of the child, spouse of the mother...) can claim paternity and childcare leave entitling them to a lump sum daily allowance of € 56.35 for up to 11 consecutive days (18 consecutive days in case of multiple birth).

Precision : In the absence of mandatory insurance for work-related accidents or illnesses, the self-employed can use voluntary Social Security or private insurance coverage.

Disability-death

Disability insurance allows the self-employed to obtain a pension upon the occurrence of a partial disability (from € 459.51 to € 1,028.40 per month) or a total and permanent disability (from € 647.39 to € 1,714 per month). In the event of death, a capital is paid to their relatives (€ 8,227.20 plus € 2,056.80 per child under 20 years of age if he/she is student or per disabled child regardless of age).

What about retirement?

Self-employed workers benefit from a basic pension as well as a compulsory supplementary pension. They also have the option of taking out an additional pension as part of a Retirement Savings Plan (PER(1)).

(1) Plan d’Epargne Retraite (PER).