Self-employed employees are self-employed employees who do not get the benefits of company pension plans. In order to receive income in the event of an accident or sick leave, they have to take out a supplementary insurance contract themselves. Very few people know, this insurance is necessary to carry out your activity as a self-employed entrepreneur peacefully. Here I show you 3 essential points to remember about pension provision for self-employed.
Essential Insurance for Freelancers
Foresight is the act of taking adequate measures to prevent unforeseen situations in life. A self-employed person has to face many risks like disability, death or stoppage of work. Without professional pension insurance, independent entrepreneur Takes the risk of ruining himself in case of a problem and putting his loved ones in trouble as his income completely depends on his ability to work.
Future insurance is a contract that guarantees individual risks. It is not mandatory, but it is highly recommended. Provident insurance for the self-employed allows the insured to get daily allowances to supplement his loss of income. Your relatives can also receive a lump sum or annuity in the event of death or disability. Whether you are sick, disabled or injured, you continue to receive your normal income to pay for your expenses. Self employment pension scheme can be individualised. The insured has the option to modify the contract as he likes best (option of annuity level in case of death, deductible period, etc.).
Various guarantees of self-employment future insurance
Self Employed Pension Insurance Three guarantees. These are Disability Guarantee, Salary Maintenance Guarantee and Death Guarantee.
disability guarantee
The pension contract helps the insured to benefit from the annuity paid up to their legal retirement age in the event of total or partial disability. Disability can be occupational, functional or both at the same time. The company will first take the time to verify the reason for the invalidity.
salary maintenance guarantee
Self-employed entrepreneurs do not always get the benefit of good coverage from a compulsory plan, in the event of job closure due to illness or accident. pension contract Enables the insured to meet his needs through daily allowance. However, this daily allowance will be paid only if the grace period is respected. This grace period can be more or less longer depending on the contracts.
death guarantee
It is a payment of capital or annuity to the beneficiaries. In the event of complete and irreversible loss of autonomy (PTIA) or death, An advance on capital can be requested to cover funeral expenses. Payment terms vary from contract to contract.
cost of self-employment pension
As per the results of CSA TNS 2020 Barometer, over 50% of the self-employed Still not covered by a futures insurance contract. However, there are many companies that offer contracts at varying rates. The average cost of self-employment insurance varies from insurer to insurer. However, it is possible to find an insurance contract whose cost varies between 20 and 40 € per month. Subscription can be annual or monthly.