Social security for the self-employed: how does it work?

many formalities have to be carried out concerning the declaration of the activity carried out, the possible tax options applicable to the turnover generated, the choice of the legal status of the sole proprietorship, etc. Very often, the question of social protection is not a predominant criterion in the choice to start as a self-employed worker. However, during your professional career of Asmongold Girlfriend you are not immune to illness, the need for family allowances ...

Regarding the social protection of self-employed workers, a major reform was implemented in 2018. The main objective of this reform was to simplify the management of this social protection system, which had until then been strongly criticized for the slowness and complexity of the process. procedure. To help you see more clearly following this reform, here is a complete and detailed article on all the important information concerning the social security of the self-employed.

The elimination of the RSI in 2018 Before January 1, 2018, all self-employed workers were affiliated to the self-employed social regime (RSI). It was a social protection scheme specially created for the self-employed. However, this regime was increasingly criticized for its management.

To facilitate the management of social protection for freelancers , Emmanuel Macron had set out in his electoral program his desire to abolish the RSI and replace it with a scheme modeled on the general social security scheme. It was done with a 2-year transition between 2018 and 2020.

In 2018, the first transfers of files concerning the social protection of self-employed workers were made to the new system which is now called the social security of self-employed workers (SSI) .

Since January 1, 2020, all self-employed workers are affiliated with the SSI.

What is changing with the SSI?

Social security for the self-employed (SSI) is part of the general social security system . In other words, since this reform pronouncing the abolition of the RSI, self-employed workers benefit from the same general social security system as employees.

However, freelancers do not contribute at the same rate and do not enjoy exactly the same rights as employees. It is for this reason in particular that the social security of the self-employed was created, which now represents a branch of the general social security system reserved for the self-employed.

In this sense, the services provided under the SSI are covered by 3 bodies of the general social security system which are:

• health insurance, which is responsible for handling reimbursements and reimbursements for medical expenses and days compensated for sick leave;

• pension insurance which manages the retirement rights of self-employed workers;

• URSSAF, which are responsible for collecting social contributions paid by self-employed workers.

The creation of social security for the self-employed with the management of its activities by bodies of the general system thus makes it possible to streamline and simplify the management of the various social benefits.

In addition, whether one is a former employee or has always been a freelance, these 3 contacts are generally well known to the working population, which also makes it possible to simplify exchanges between policyholders and insurers.

Who is affected by social security for the self-employed?

All self-employed workers , regardless of their professional activity, are now affiliated to the social security for the self-employed. The following are therefore concerned:

• traders ;

• craftsmen ;

• liberal professions.

In addition, the legal status of the company created by the freelancer has no consequences on the affiliation to the SSI. Therefore, are affiliated with the SSI:

• micro-entrepreneurs;

• individual entrepreneurs;

• certain managers or associates benefiting from the status of self-employed person ([pii_email_4bd3f6cbbb12ef19daea]);

• etc.

In addition, the spouse of a freelance who takes part in this freelancing activity under the status of collaborating spouse is also affiliated for this activity to the social security of the self-employed.

How to join the social security of the self-employed?

For many freelancers who started their activity before January 1, 2019, the question quickly arose of how to transfer their file to the general social security system. For the latter, no action on their part was necessary. Their file was transferred automatically to the ISS. Once the transfer to the SSI was finalized, the freelance concerned received an email warning him of his affiliation to this new social security system.

For all those who wish to start the adventure of entrepreneurship, the affiliation to the social security of the self-employed is also done automatically at the time of the creation of your activity as a self-employed worker.

This automatic affiliation is done in 3 steps:

• the declaration of the start of your activity as a freelance directly online on the one by paper by sending the corresponding form to the competent business formalities center (CFE) according to your place of residence;

receipt of a notification confirming social security affiliation for the self-employed;

It should be noted that the affiliation to the social security of the self-employed takes effect from the declaration of the start of activity made by the freelance.