The individual entrepreneur who pays his contributions can benefit from the reimbursement of part of his health costs, daily allowance (IJ) or benefits at the birth or adoption of a child (maternity or paternity).

1. Health care costs

In the event of an accident, sickness or maternity, sickness and maternity insurance covers part of the health costs of the individual contractor (e.g. reimbursement of medical consultation costs or certain medicines).

It is generally necessary to subscribe in addition to a mutual, in order to have a supplementary refund.

2. Sickness benefits

The individual entrepreneur who finds himself in inability to work for a certain period (accident, illness, temporary physical incapacity) may benefit of daily allowances (IJ) allowing him to keep part of his income.

The individual contractor may not receive more than 360 daily allowances for one or more work stoppages over a period of 3 years.

It is also possible for the individual entrepreneur to benefit from a therapeutic part-time and to receive additional income after a full-time compensated work stoppage.

A daily allowance may thus be granted in this case, for a limited time whether the professional activity can improve the health of the individual entrepreneur or whether it can accompany rehabilitation or vocational rehabilitation. These JIs are limited to 90 days. This period may be extended in particular circumstances for a maximum period of 360 daily allowances.

In order to receive these daily allowances, the individual contractor must send his work stoppage within 48 hours of the work interruption to its primary health insurance fund.

The daily allowance shall be equal to 1/730^e average annual income from activities (RAAM: titleContent). It corresponds to the average of the income of the individual entrepreneur taken into account for the calculation of his social contributions over the 3 years preceding the work stoppage.

However, the RAAM may not exceed €48,060thus, the daily allowance may not exceed €65.84.

In the case of therapeutic part-time work, the amount of the daily allowance shall be reduced by half.

There is a waiting period of 3 days before the daily allowances are paid to the individual contractor. In other words, he does not receive any income during the first 3 days of his work stoppage.

This waiting period applies only to 1^er work stoppages resulting from an accident.

3. Accidents at work and occupational diseases

The individual entrepreneur does not contribute to the insurance that covers accidents at work and occupational diseases.

Thus, in the event of accident at work or occupational disease, he is entitled to sickness benefits at the same rates and under the same conditions. However, it has the possibility to subscribe to a individual voluntary insurance with its primary health insurance fund using the following form and package leaflet:

Self-employed: application for individual voluntary insurance AT/MP

4. Birth or adoption of a child

At the time of the birth or adoption of a child, the individual entrepreneur can benefit from several benefits that will depend on his or her situation:

1. In case of maternity:
   
   • The duration of the maternity leave extends from 6 weeks before the expected date of delivery to 10 weeks after delivery. During this period, she receives daily rest allowances if she has stopped work for at least 8 weeks. If 2 children have been born previously, maternity leave is extended from 8 weeks before the expected date of delivery to 18 weeks after delivery.
   • One lump sum maternity rest allowance of a value equal to the monthly social security ceiling of the year in which the first payment was made shall be paid. For 2026, this ceiling is equal to €4,005. A first half is paid at the beginning of the maternity leave and the second half is paid after the 8 weeks of mandatory minimum maternity leave. When delivery occurs before the end of the 7th^e In the month of pregnancy, the allowance is paid in one installment after delivery.
     Where the amount of RAAM: titleContent in the last 3 years is less than €4,582.00, the amount of the allowance shall be 10% the monthly social security ceiling. For 2026, this amount is equal to 400.50.
   • Of daily allowances equal to €65.84 over the entire period of maternity leave shall also be paid. This amount is valid for daily allowances that started to be paid in 2026. Compensation is paid in the event of a work stoppage for at least 8 weeks, including 6 weeks after birth.
2. In case of paternity:
   
   • The individual entrepreneur benefits from a paternity leave 25 days maximum. In the case of multiple births, this period increases to 32 days.
   • It also benefits from a daily allowance equal to €65.84 for the entire duration of paternity leave. This amount is valid for daily allowances that started to be paid in 2026. The minimum period for payment of the daily allowance is 7 days. The compensation period can be divided into 3 periods of leave (of at least 5 days each) taken within 6 months of the birth of the child.
3. In case of adoption:
   
   • The individual entrepreneur benefits from a child care leave 25 days maximum. If it has more than one child, this period increases to 32 days.
   • It also benefits from a lump sum maternity rest allowance of a value equal to half of the monthly social security ceiling of the year in which the payment is made. For 2026, this amount is equal to €2,002.50. The allowance is paid in one installment on the date of the child's arrival in the family.
   • It also benefits from a daily allowance of rest equal to €65.84 for the entire duration of the adoption leave.

4. Supplementary Birth Leave:

An additional birth leave is open, starting from 1^er July 2026. It allows each parent to benefit from 1 to 2 months of compensated leave in addition to the already existing leave (maternity, paternity and adoption).

Each parent has his own leave, provided he ceases his activity.

During that leave, the trader or craftsman may receive additional daily birth allowances equal to the maximum daily allowance paid during maternity leave, paternity leave or adoption leave (€65.84), with the application of a reduction.

It may thus perceive:

• 70% of his daily allowances in the first month of the supplementary birth leave, or €46.09 gross per day.
• 60% the second month, or €39.50 gross per day.

To learn more about this device, see the fact sheet on the additional birth leave for a self-employed person.

The old-age insurance contributions paid by the self-employed worker enable him to obtain a basic retirement pension and one supplementary retirement pension at the time of the cessation of its activity. However, he must fulfill certain conditions, relating in particular to the age of cessation of his activity and the number of quarters worked, in order to obtain full retirement pensions.

For more information, you can consult our factsheet on the retirement of an individual contractor.

An individual contractor who pays invalidity-death contributions may receive a pension in the event of of total invalidity or of partial incapacity to the trade.

However, the individual contractor must meet the following conditions:

• He must not have reached the legal retirement age.
• He must have a reduced capacity for work or income of at least 2/3.
• It must be insured for at least 12 months.
• He must have paid enough.

The disability or incapacity of the individual contractor must be established by a medical officer of the primary health insurance fund.

The application for a disability pension depends on the situation in which the individual contractor finds himself:

• If he's off work : there is no request to make, it is the consulting physician who will determine whether he can benefit from a pension according to his state of health.
• If he's not off work : he must make a request on the advice of his attending physician. The medical adviser of the health insurance fund will then call him to study his state of health.

The individual entrepreneur can apply for a pension on his améli.fr account:

Ameli online

The individual contractor is categorized by the health insurance fund according to the type of disability. The category to which he belongs determines the amount of the invalidity pension to which he is entitled.

When his pension application is accepted, the contractor receives a response under 2 months with a pension document, the effective date, category and amount of the pension.

In case of refusal, a notification is sent to the contractor. It specifies the reasons for the refusal and the possible remedies.

FYI  

To learn more about the disability pension, you can consult the health insurance fund guide:

Guide « I am accompanied in case of disability »

National Health Insurance Fund (Cnam)

Pour en savoir plus

The individual entrepreneur who pays contributions to family allowances may access family benefits administered by the family allowance fund (Caf).

Depending on his personal situation, he will be able to claim a number of benefits, such as housing subsidies or income supplements.

Claims for family benefits must be made to Caf, on which the individual entrepreneur depends:

An individual entrepreneur who pays contributions for his vocational training shall be entitled to a right to continuing vocational training. He can assert his right to training and benefit from the handling of his training requests with a training insurance fund or a competency operator (Opco: titleContent). To benefit from this care, he must be contribution payment update.

To learn more about the vocational training of individual entrepreneurs, you can consult the dedicated sheet.

The CSG: titleContent and the CRDS: titleContent are taxes, paid by the individual entrepreneur. They don't allow him to benefit directly from services unlike other social security contributions.

The CSG is a permanent contribution which participates in the financing of social security.

The CRDS, on the other hand, is a temporary contribution intended to repay the social security debt. The latter is destined to disappear once the social debt is repaid.