{"id":4890,"date":"2022-02-02T14:57:30","date_gmt":"2022-02-02T13:57:30","guid":{"rendered":"https:\/\/www.augias.eu\/fr\/retirement-and-social-coverage-of-the-micro-entrepreneur\/"},"modified":"2022-02-02T15:19:41","modified_gmt":"2022-02-02T14:19:41","slug":"retirement-and-social-coverage-of-the-micro-entrepreneur","status":"publish","type":"post","link":"https:\/\/www.augias.eu\/fr\/en\/retirement-and-social-coverage-of-the-micro-entrepreneur\/","title":{"rendered":"Retirement and social coverage of the micro-entrepreneur"},"content":{"rendered":"\t\t
Thinking about retirement before even starting a new life in the name of self-employment may seem a little absurd\u2026 It can even be scary in some ways. Like everyone else, the micro-entrepreneur carrying out his activity in personal services<\/u> <\/strong>may, under certain conditions, benefit from his pension rights.<\/strong> Likewise, he benefits from social security coverage<\/strong> , the regime of which has been harmonized in recent years. We take stock of retirement and social security coverage for self-employed people in the SAPs.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t Due to its particular regime; the auto-entrepreneur is subject to the so-called \u201cmicro-social\u201d regime. As a result, only the contributions are due solely on the turnover and the receipts collected by the professional<\/strong> . And, since January 2018, he has been affiliated with Social Security, in the same way as other independent and liberal professionals. Thus, as a self-employed person, your activity in the SAP at home allows you to validate quarters of retirement even if you are not or no longer employed.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t In recent years, the social protection system has been greatly simplified. In fact, since 2018, the Self-Employed Social Security Scheme (RSI) has been replaced by the Self-Employed Social Security Scheme (SSI), attached to the general scheme. The SSI was designed to facilitate the transition of self-employed workers to the general scheme, to which employees belong. The objective of this reform was to facilitate the affiliation of all self-employed workers to the general scheme from 2020. <\/strong>It’s done and since this harmonization, reimbursements of health costs<\/strong> are managed by the Caisse Primaire d’Assurance Maladie (CPAM) on<\/strong> which you depend, like the vast majority of assets. The transition to the general system was carried out gradually:<\/p>\n Health benefits<\/strong> are covered by the general scheme<\/strong> , under identical conditions to those of other self-employed and liberal professions :<\/strong> medication, care, hospitalization, etc. In addition, in the event of work stoppage,<\/strong> the payment of daily allowances<\/strong> (IJ) is possible, under certain conditions. The amount of the IJ is 1\/730th of the average annual activity income of the last 3 calendar years within the limit of the Social Security ceiling. You can find out more by visiting the ameli.fr<\/u> website.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t To benefit from allowances related to your maternity, the presumed date of delivery or the date of adoption, you must provide proof of ten months of affiliation<\/strong> in respect of a self-employed activity or any other activity or period unemployment. However, there must not have been a break between the different affiliations.<\/p>\n Provided you stop all professional activity for a period of at least 8 weeks, including 6 weeks after childbirth, you can receive a lump sum allowance. This is equal to the monthly value of the social security ceiling in force on the date of the first payment. This is paid in 2 instalments, half at the beginning and then the balance at the end of the mandatory period of cessation of activity of 8 weeks. This allowance is supplemented by fixed daily allowances, capped at 1\/730 of the annual value of the social security ceiling, and calculated according to the income transmitted by URSSAF.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t Its duration is 11 consecutive days for the birth or adoption of a child. It is possible to apply for it within 6 months after the birth or arrival of the child. In this context, a fixed daily allowance is paid on the condition of being able to justify<\/strong> 10 months of membership in respect of a self-employed activity on the presumed date of childbirth or the start of the leave. You will also need to provide a \u201csworn statement\u201d of your intention to cease all professional activity. It should be noted that below a certain amount of annual income, the allowances are reduced to 10% of the usual amounts.<\/p>\n Provided you stop all professional activity for a period of at least 8 weeks, including 6 weeks after childbirth, you can receive a lump sum allowance. This is equal to the monthly value of the social security ceiling in force on the date of the first payment. This is paid in 2 instalments, half at the beginning and then the balance at the end of the mandatory period of cessation of activity of 8 weeks. This allowance is supplemented by fixed daily allowances, capped at 1\/730 of the annual value of the social security ceiling, and calculated according to the income transmitted by URSSAF.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t The pension rights<\/strong> (in terms of basic pension or supplementary pension) of the self-employed working under the <\/strong>micro-social scheme are based on the amount of social security contributions paid<\/strong> . Without declared turnover and therefore, according to the system specific to self-employment, without social security contributions, no right to an old-age pension is open. To be able to validate a quarter of retirement, the self-<\/strong> employed entrepreneur working in the home help sector must achieve a minimum annual turnover, equal to the amount of the minimum wage on January 1 of the year, calculated on the basis of 300 hours<\/strong> . In 2022, these thresholds, for self-employed professionals working in personal services at home, are between 2,280 and 9,120 euros to be opened, respectively, between one and four quarters of old-age insurance. Whether the activity of micro-entrepreneur is your main activity or whether you also have a main salaried activity, it has no impact. If these two activities are combined, it is not possible to validate more than 4 terms per year.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t Always subject to having achieved a turnover and received receipts during the past quarter, social charges and taxes are paid in a single payment on a monthly or quarterly basis. Still in a logic of simplification, this social package<\/strong> covers<\/strong> :<\/p>\n Therefore, the beneficiaries of the entrepreneur are covered in the same way as the beneficiaries of other self-employed workers. <\/p>\nLike other assets, the auto-entrepreneur is affiliated to the general scheme\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
A harmonized, simpler ... and fairer scheme\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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And for happy events?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
Maternity leave\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
Paternity and childcare leave<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
The calculation of pension rights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
What social charges cover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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