{"id":5314,"date":"2023-09-18T08:31:09","date_gmt":"2023-09-18T08:31:09","guid":{"rendered":"https:\/\/www.business-ereputation.com\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/"},"modified":"2025-04-25T09:16:02","modified_gmt":"2025-04-25T09:16:02","slug":"guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed","status":"publish","type":"post","link":"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/","title":{"rendered":"Guide for traders and entrepreneurs: Social security for the self-employed"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><strong>As already stated in a previous article, when I don&#8217;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.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">Summary and contents of the page<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#A_%E2%80%9Cnew%E2%80%9D_landscape_for_social_protection_for_the_self-employed\" >A &#8220;new&#8221; landscape for social protection for the self-employed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#1_Merger_of_the_RSI_with_the_Regime_General\" >1. Merger of the RSI with the R\u00e9gime G\u00e9n\u00e9ral<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#2_Who_is_impacted_by_this_change\" >2. Who is impacted by this change?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#3_Practicalities\" >3. Practicalities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#4_How_to_pay_your_contributions\" >4. How to pay your contributions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.business-ereputation.com\/en\/guide-for-traders-and-entrepreneurs-social-security-for-the-self-employed\/#My_entrepreneurial_advice\" >My entrepreneurial advice:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"A_%E2%80%9Cnew%E2%80%9D_landscape_for_social_protection_for_the_self-employed\"><\/span>A &#8220;new&#8221; landscape for social protection for the self-employed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Since the start of 2020, a major transition has taken place for the social protection of self-employed workers: the integration of the former R\u00e9gime social des ind\u00e9pendants (RSI) into the general Social Security system. Find out what this means for you as an entrepreneur or shopkeeper. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Merger_of_the_RSI_with_the_Regime_General\"><\/span>1. Merger of the RSI with the R\u00e9gime G\u00e9n\u00e9ral<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The new structure, called &#8220;S\u00e9curit\u00e9 sociale pour les Ind\u00e9pendants&#8221; (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. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Who_is_impacted_by_this_change\"><\/span>2. Who is impacted by this change?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you are one of the following, this plan concerns you directly:<\/p>\n<ul>\n<li>Shopkeepers and craftsmen,<\/li>\n<li>Micro-entrepreneurs,<\/li>\n<li>Free professionals,<\/li>\n<li>Individual contractors,<\/li>\n<li>Managers and partners of SNCs and EURLs,<\/li>\n<li>Majority shareholding in a SARL.<\/li>\n<\/ul>\n<p><em><strong>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.<\/strong><\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Practicalities\"><\/span>3. Practicalities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The general Social Security system now oversees the Social Security system for the self-employed. Your social security obligations are handled by Urssaf. <\/p>\n<p>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. <\/p>\n<p>Contributions cover :<\/p>\n<ul>\n<li>Medical care and maternity,<\/li>\n<li>Basic and supplementary pensions,<\/li>\n<li>Old age and death insurance,<\/li>\n<li>Family benefits,<\/li>\n<li>Professional training,<\/li>\n<li>CSG\/CRDS.<\/li>\n<\/ul>\n<p>Rates may vary depending on your activity and income.<\/p>\n<p><em><strong>Key information: Urssaf is now the sole contact for self-employed professionals formerly under Cipav. Contributions are now proportional to income. <\/strong><\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_pay_your_contributions\"><\/span>4. How to pay your contributions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>All your social obligations must be sent to Urssaf. For those just starting out, contributions are initially flat-rate, then readjusted the following year. <\/p>\n<p>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. <\/p>\n<p>You have two alternatives for payment:<\/p>\n<ul>\n<li>Monthly debit,<\/li>\n<li>Quarterly payment (payment by cheque is still possible).<\/li>\n<\/ul>\n<p>Don&#8217;t forget to choose your method before December 1st, so that it takes effect on January 1st of the following year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"My_entrepreneurial_advice\"><\/span>My entrepreneurial advice:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>1\/ If your husband or wife has a company mutual, go straight to it. Mutual insurance plans for company directors are too expensive. <\/p>\n<p>2\/ If you&#8217;re an auto-entrepreneur or a Micro, take out a supplementary insurance policy. The reimbursements for these types of status are truly indecent&#8230; for example, a woman who stops working due to maternity: I&#8217;ve seen social networks show reimbursements from 7 to 15\u20ac&#8230; 450\u20ac a month, less than the RSA (having paid contributions, I find this totally abusive).<\/p>\n<p>Have a great week!<\/p>\n<p>Other available sources: https:<a href=\"https:\/\/www.economie.gouv.fr\/entreprises\/securite-sociale-independants\" target=\"_blank\" rel=\"noopener\"> \/\/www.economie.gouv.fr\/entreprises\/securite-sociale-independants<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>As already stated in a previous article, when I don&#8217;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.<\/p>\n","protected":false},"author":1,"featured_media":5315,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_ayudawp_aiss_exclude":false,"_ayudawp_aiss_summary":"","_ayudawp_aiss_summary_provider":"","_ayudawp_aiss_summary_hash":"","footnotes":""},"categories":[106],"tags":[],"class_list":["post-5314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retailer-merchant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Social security for the self-employed and retailers<\/title>\n<meta name=\"description\" content=\"When I don&#039;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, topics that I myself have come 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