Better social protection for the self-employed

The Social Security financing law for 2022 revisited several rules, permanently or temporarily, related, in particular, to the calculation of daily allowances paid to self-employed workers (craftsmen, traders and liberal professionals). Update on the main measures adopted.

Work stoppages in 2022

The daily sickness and maternity allowances allocated to the self-employed are calculated on the basis of the professional income they declared during the previous 3 years.

In order to limit the effects of the health crisis on the level of social protection of self-employed workers, it is planned, for work stoppages beginning between 1er January and December 31, 2022, and if it is more favorable to them, not to take into account, in the calculation of their daily allowances, the income declared for the year 2020. Concretely, only the income for the years 2019 and 2021 are then included in this calculation.

Accumulation of employment and retirement

Self-employed workers may, for work stoppages beginning on or after 1er January 2022, benefit from daily sickness benefits for a craft, industrial or commercial activity exercised in combination with employment and retirement. These allowances may be granted to them for a maximum period of 60 days.

Clarification: liberal professionals in combined employment and retirement could already, since July 1, 2021, benefit from daily allowances, for a maximum period of 90 days. Like other self-employed workers, this maximum duration is now reduced to 60 days.

Retirement insurance

Still with the aim of limiting the effects of the health crisis linked to Covid-19 on the level of social protection of self-employed workers, the latter will be granted, for the years 2020 and 2021, an equivalent number of quarters of basic retirement to the average of the quarters they validated during their last three years of activity (2017, 2018 and 2019).

However, this measure is reserved for self-employed workers who started their activity before 1er January 2020 and who have been hardest hit by the health crisis. The TNS are therefore concerned, which fall within the sectors of tourism, events, culture, sport, hotels and restaurants as well as related sectors.

Important: the terms of application of this measure have yet to be specified by decree.

Decree No. 2021-1937 of December 30, 2021, JO of 31

Law n° 2021-1754 of December 23, 2021, JO of 24

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