In practice, two responses are possible: either he will report to the general social security scheme and will have a close status of employees or the self-employed regime. In the latter case, its social coverage is a single interlocutor, the social regime of the independent (RSI), liberal professionals with them, however, also case the Urssaf, and the national old-age insurance fund liberal professions. In comparison with the employees, the self-employed are logically excluded from the benefit of the domestic accidents of the occupational disease work of social security as well as the Unedic unemployment insurance. For these benefits, business leaders will have to return to private insurance.
On the other hand, the risks sickness, maternity, retirement and disability-death are covered. And business leaders are also entitled to family allowances. Benefits that are on the whole, fairly close to those enjoyed by employees.
Benefits may differ according to the leaders. First of all, all entrepreneurs benefit from rates and conditions identical to those of employees of health expenses. Artisans, merchants or industrialists can also benefit from a year of affiliation to the RSI, of daily allowances for stoppage of work for illness or accident, normally guaranteeing them a replacement income equal to half of the annual professional income average for the last three calendar years (the employees receiving them compensation equal to half of their wages calculated on the basis of the last three months).
On the other hand, the liberal professions have no per diem sickness. The maternity insurance, any woman business leader can benefit, birth or adoption, of a daily indemnity for interruption of business provided that interrupt his professional activity during at least 44 consecutive days, including 14 days must immediately precede the assumed childbirth date. It was added to maternal rest lump sum allowance to compensate for the decrease in activity and paid half at the end of the 7emois half after childbirth.
The fathers are not forgotten. Business leaders discovering the joy of fatherhood can benefit, in the case of birth or adoption, of a daily indemnity for 11 consecutive days maximum, if interrupt their professional activity.
> family benefits
The self-employed have the same rights as employees for all the benefits provided by the (FCA) family allowance funds, i.e. compensation of family burdens (birth, child...) and the right to benefit from the benefits relating to housing and the precarious (the RSA, for example).
Business leaders have a basic retirement period and equal contribution, is similar to that of the employees. It is complemented by a compulsory supplementary pension, or even by a supplementary pension for optional membership. Specific rules however planned for liberal professionals, certain categories of Liberals is not required to contribute to a compulsory supplementary pension.
For the artisans, disability insurance guarantees the payment of a pension for total disability but also in the event of temporary inability to work. Retailers and manufacturers with them as partial total disability pension. Liberal professionals, most of them can collect a full disability pension and a temporary disability pension.
Last guarantee: death of the head of small-scale enterprise, commercial or industrial, capital-death is paid to the relatives. Capital-death is also planned for the majority of liberal professionals.