As already stated in a previous article, when I don’t have anything new to publish on e-reputation trends (or how to improve your reputation and visibility as a business owner), well, I prefer to write an article that is useful to the latter, on subjects that I myself have faced as an entrepreneur.
Summary and contents of the page
A “new” landscape for social protection for the self-employed
Since the start of 2020, a major transition has taken place for the social protection of self-employed workers: the integration of the former Régime social des indépendants (RSI) into the general Social Security system. Find out what this means for you as an entrepreneur or shopkeeper.
1. Merger of the RSI with the Régime Général
The new structure, called “Sécurité sociale pour les Indépendants” (Social Security for the Self-Employed), takes over from the RSI to centralize and simplify the procedures and monitoring of social protection. Although aligned with the general scheme, which applies to the majority of the French population, this security system for the self-employed has its own specific features, notably reduced coverage for occupational accidents and disability.
2. Who is impacted by this change?
If you are one of the following, this plan concerns you directly:
- Shopkeepers and craftsmen,
- Micro-entrepreneurs,
- Free professionals,
- Individual contractors,
- Managers and partners of SNCs and EURLs,
- Majority shareholding in a SARL.
Please note: If you are a minority or equal shareholder manager of a SARL, or a director of a SA or SAS, you remain under the general scheme.
3. Practicalities
The general Social Security system now oversees the Social Security system for the self-employed. Your social security obligations are handled by Urssaf.
The calculation of your expenses for the current year is based on your professional income for the previous year. These amounts are adjusted once your actual income for the current year is known.
Contributions cover :
- Medical care and maternity,
- Basic and supplementary pensions,
- Old age and death insurance,
- Family benefits,
- Professional training,
- CSG/CRDS.
Rates may vary depending on your activity and income.
Key information: Urssaf is now the sole contact for self-employed professionals formerly under Cipav. Contributions are now proportional to income.
4. How to pay your contributions?
All your social obligations must be sent to Urssaf. For those just starting out, contributions are initially flat-rate, then readjusted the following year.
A notable advantage: Acre offers you a reduction in your social security contributions at the start of your business. Apply for it when you prepare your business start-up project.
You have two alternatives for payment:
- Monthly debit,
- Quarterly payment (payment by cheque is still possible).
Don’t forget to choose your method before December 1st, so that it takes effect on January 1st of the following year.
My entrepreneurial advice:
1/ If your husband or wife has a company mutual, go straight to it. Mutual insurance plans for company directors are too expensive.
2/ If you’re an auto-entrepreneur or a Micro, take out a supplementary insurance policy. The reimbursements for these types of status are truly indecent… for example, a woman who stops working due to maternity: I’ve seen social networks show reimbursements from 7 to 15€… 450€ a month, less than the RSA (having paid contributions, I find this totally abusive).
Have a great week!
Other available sources: https: //www.economie.gouv.fr/entreprises/securite-sociale-independants
