#SFHS2608837ADecree of April 1, 2026 approving the regulation of the disability-death insurance scheme for self-employed workers
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This French decree approves and updates the regulation governing the invalidity and death insurance regime for independent workers under Article L.631-1 of the Social Security Code. It establishes eligibility for two main benefits: a partial occupational incapacity pension for those who have lost more than two-thirds of their earning capacity in their specific trade, and a total and permanent disability pension for those substantially and durably restricted in accessing employment. Key requirements include at least one year of affiliation, minimum contribution levels over three years (10% of the social security ceiling average), and medical assessment by the consulting physician. The decree sets minimum pension amounts at €530.21 for partial incapacity and €747.00 for total disability as of April 1, 2026, with caps at 30% and 50% of the social security ceiling respectively. It also details rules on cumulation with other income, suspension of benefits, compatibility with other pensions, and exclusions such as self-inflicted causes or acts of war.
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Key Changes
- Replaces the decree of August 1, 2023 with updated regulation effective the day after Official Journal publication
- Minimum contribution threshold of 10% of the average annual social security ceiling (L.241-3) over the three years preceding pension start
- Minimum partial occupational incapacity pension set at €530.21 as of April 1, 2026, capped at 30% of the social security ceiling
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Obligations
What this law requires
Self-employed workers must have at least one year of affiliation to the disability-death insurance scheme before being eligible to request an invalidity pension
Self-employed workers must have contributed to the disability-death insurance scheme over the three calendar years preceding the pension effective date, with annual average activity income equal to at least 10% of the average annual social security ceiling for those three years
The insurance fund (caisse) must verify that applicants meet all administrative conditions before proceeding with medical assessment by the consulting physician
The insurance fund must reject applications when applicants fail to meet administrative conditions or do not provide necessary documentation for examination
Cumulative pension benefits cannot exceed 4 times the partial incapacity pension amount or 2.4 times the total disability pension amount when combining with work accident rents or military disability pensions