#SPRS2321713AApproval of Regulations for Disability-Death Insurance of Self-Employed Workers
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The arrêté dated August 1, 2023, updates the regulations governing the disability-death insurance for self-employed workers in France. It approves modifications to ensure a fair system for providing disability pensions and benefits while also defining specific eligibility requirements for applicants. The law outlines how pensions for partial incapacity and total permanent disability are calculated based on income and years of affiliation, alongside rules for the cumulative benefits and conditions under which individuals may receive or retain their pensions without disruption.
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Key Changes
- Approval of new regulations for disability-death insurance for self-employed workers
- Clear criteria for pension eligibility based on years of contribution and income levels
- Provisions for the cumulative benefit caps when engaging in further professional activities
Obligations
What this law requires
Self-employed workers must have been affiliated with the disability-death insurance regime for at least one year before submitting a pension application for incapacity or invalidity (unless receiving daily sickness benefits at time of application).
Self-employed workers must have contributed to the disability-death insurance regime during the three calendar years preceding the pension effective date, with annual activity income averaging at least 10% of the average annual social security ceiling for those three years.
Insurance fund managers (caisses) must verify that applicants fulfill all administrative conditions for opening rights before any medical evaluation by the medical adviser.
Insurance fund managers must reject disability pension applications when applicants do not fulfill administrative conditions or fail to provide necessary supporting documentation.
Cumulative benefits from multiple insurance regimes cannot exceed 4 times the partial incapacity pension amount or 2.4 times the total permanent disability pension amount for beneficiaries receiving work accident/occupational disease annuities or military disability pensions.