Seek assistance from the Social Protection Board for Self-Employed Workers (CPSTI)
Verified 09 September 2026 - Entreprendre Service Public / (Prime Minister)
When a self-employed worker (craftsman, tradesman, liberal professional, business manager) encounters temporary professional or personal difficulties having an impact on his activity, he can request help from the Council for the Social Protection of Self-Employed Workers (CPSTI). This aid is intended to maintain activity and promote the sustainability of companies. This device is implemented by the Urssaf: titleContent and the CPAM: titleContent on behalf of CPSTI.
In order to benefit from this aid, self-employed (craftsman, trader, liberal professional, micro-entrepreneur, business manager) must exercise his activity as principal for more than 1 year.
They must also be in one of the following situations:
- One-off economic difficulties (cash flow problems, difficulties in paying personal social contributions). These difficulties can also occur following a disaster or bad weather.
- Health difficulties which have an impact on business continuity and for which specific support can make it possible to reconcile professional activity and the management of the disease.
Depending on the difficulty identified, theUrssaf: titleContent or the CPAM: titleContent provide appropriate support.
Urssaf, on behalf of the CPSTI, implements 4 specific aids:
- Aid for contributors in difficulty (ACED): coverage of all or part of the contributions and personal social contributions due from the Urssaf
- Exceptional financial assistance (TFA): in the event of a serious and unforeseen event that has a significant impact on the continuation of economic activity
- Retirement support (RFA): for future retirees who have low incomes and are struggling to pay their last contributions and social contributions
- Emergency assistance CPSTI: for victims of disasters and bad weather.
Aid for contributors in difficulty (ACED)
It is intended to cover the payment of all or part of the personal social contributions and contributions due to the Urssaf. This aid guarantees entitlement to benefits in connection with these contributions and allows the activity to continue.
To benefit from ACED, the head of company must meet the following criteria:
- Be affiliated as a freelancer for more than a year
- Have made payments of personal social contributions and contributions
The head of company must fill out the following form:
Assistance form for contributors in difficulty (ACED)
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of professional activity which decides on the allocation or rejection of the aid according to each situation. The Head of company shall be informed in writing of the decision taken.
Exceptional Financial Assistance (TFA)
It can be granted when a serious and unforeseen event strongly impacts the continuation of economic activity.
The difficulties encountered may be as follows:
- Occurrence of a one-off external event: fire, accident, road works near the activity, etc.
- Company’s occasional economic difficulties: loss of market, failure of a partner, default of payment of a large customer, etc.
- Support for formalities of 1re delisting
In order to qualify for this aid, the entrepreneur must fulfill the following criteria:
- Be affiliated as a freelancer for more than a year
- Have made payments of contributions and personal social contributions
- Exercising self-employment as a main activity
The head of company must fill out the following form:
Exceptional Financial Assistance Form (TFA)
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of professional activity which decides on the allocation or rejection of the aid according to each situation. The Member shall be informed in writing of the decision taken.
Retirement coaching (ADR)
This assistance may be requested by future retired artisans and merchants with low incomes and who are in difficulty to pay their last contributions and personal social contributions.
The head of company must fill out the following form:
Request for Retirement Assistance (RTA)
The health and social action commission of the CPSTI is examining the file. It shall inform the entrepreneur of the decision and of the amount of any aid granted.
FYI
For more information, you can consult the dedicated sheet on Retirement support (ADR).
Emergency assistance CPSTI
This assistance is granted to active self-employed workers who are victims of disasters (e.g. fires, floods) or bad weather (storm). It is requested to meet the most urgent needs of all those who carry out their activities on the a geographical area impacted by this type of event.
In order to qualify for this aid, the entrepreneur must fulfill the following criteria:
- Contribute as a principal self-employed person
- Do not combine employment and retirement
The head of company must fill out the following form:
FYI
It is not necessary for the phenomenon to be classified as a natural disaster by the State services in order to benefit from this aid.
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of professional activity which decides on the allocation or rejection of the aid according to each situation. The applicant shall be informed in writing of the decision taken.
The CPAM: titleContent, on behalf of the CPSTI, implements 3 specific aids:
- Relief aid : accompanies the self-employed worker (craftsman or tradesman) who must reduce his activity or whose normal activity is altered by the situation of a relative in loss of autonomy.
- Support for support in maintaining activity (AMA) : complements the system for preventing occupational disintegration of the Health Insurance to take account of the situation of the self-employed.
- Exceptional financial assistance (AFE) for the disabled : responds to significant cash flow problems of an invalid self-employed worker (craftsman or trader).
Relief assistance for the self-employed
In order to reduce the professional impact of caring for a loved one, the self-employed may request a respite aid, to accompany a relative in a situation of long-term illness, illness, disability, accident or aging.
In order to qualify for this aid, the entrepreneur must fulfill the following criteria:
- Be active as a self-employed person or as a joint worker, craftsman or tradesman (activity carried out primarily in the event of multiple activities)
- Being a caregiver of a parent
The applicant must complete the following form by checking the box « Relief assistance for the active self-employed worker »:
Specific support form for self-employed workers (health and social action)
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of habitual residence, for decision. A notification shall be sent as soon as a decision has been taken by the SCTSI.
Support for support in maintaining activity (AMA)
In order to benefit from WADA, the Head of company must meet the following criteria:
- To be self-employed active worker or delisted for less than 18 months
- Being on a work stoppage
- Being in a state of health risk of jeopardizing the continuation of the activity
The applicant must fill in the following form and tick the box « Support for maintaining the activity »:
Specific support form for self-employed workers (health and social action)
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of habitual residence, for decision. A notification shall be sent as soon as a decision has been taken by the SCTSI.
Exceptional financial assistance (AFE) for the disabled
Special attention shall be paid to disabled self-employed workers in any of the following situations:
- Sick self-employed worker pursuing an activity with a significant drop in income
- Independent head of company in difficulty with young children
- Victim of a life accident, a disability, an illness that is debilitating for herself or her close family environment.
In order to qualify for this aid, the entrepreneur must fulfill the following criteria:
- Be active
- Be disabled as a self-employed person
- Have made payments of contributions and personal social contributions since his installation
The applicant must complete the following form by checking the box "Exceptional financial assistance for disabled persons":
Specific support form for self-employed workers (health and social action)
After checking all the administrative criteria and supporting documents, the application is submitted to the Health and Social Action Commission of the CPSTI of the place of habitual residence, for decision. A notification shall be sent as soon as a decision has been taken by the SCTSI.
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