As AN worker, you will have to be compelled to suffer AN accident in your work, you\'re creating or deed it, or perhaps to contract AN activity disease; your health is therefore altered. You then have a social and monetary coverage special. This compensation is decided by your state of affairs. all told cases, please apprize at intervals twenty four hours your leader and build a press release together with your insurance fund at intervals forty eight hours following.
During AN accident at work or ride (that occurred by the very fact or on the occasion of the work), you\'re salaried by social insurance and leader in line with specific terms and therefore the physical consequences that this will have:
daily allowances within the event of stoppage of labor and payment of a supplement by your leader,
100% of the prices of medical, hospital and pharmaceutical care
payment of a pension or allowance capital total or partial permanent incapacity,
or the payment of AN regular payment holders rights died.
Occupational diseases
In the case of industrial disease, you understand on the a part of insurance and your employer:
a daily allowance within the event of stoppage of labor and payment of a supplement by your leader,
an ANnuity or allowance capital total or partial permanent incapacity.
If the death is found, your dear ones are going to be paid a pension.
Accidents at work and activity illnesss branch compensates that the injury and therefore the loss of earnings caused by the accident or the disease.
Long health problem
All workers don\'t seem to be equal moon-faced with the loss of financial gain owing to an extended health problem. betting on your personal and skilled state of affairs, the modalities of support and monetary compensation area unit totally different. Some plans area unit a lot of protecting than others. little summary of what\'s practiced.
The general regime of the social insurance
For employees subject to the final regime of the social insurance, granted monetary compensation applies for three years. Conditions for profit area unit strict:
having worked a minimum of two hundred hours throughout the previous quarter for the sick for six months
and 800 hours the previous year for the sick a lot of for six months.
The employee then receives daily allowances (IJ) capable 0.5 the common wage calculated on the three months preceding the judgment.
Beyond three years, AN worker survey till his retirement from the incapacity if program its operating capability is reduced 2/3. the quantity of the allowance is half-hour of the common annual wage of the 10 best years partial incapacity and five hundredth within the event of total incapacity.
This is typically side AN add-in on the a part of the corporate to ninety to 100 percent of the gross earnings of reference as well as daily allowances. This compensation is disbursed within the context of the pension theme of the enterprise.
The quality of this compensation varies betting on welfare designated plans. Responsibility of the labor agreement. it\'s vital properly to research the pension theme that you raise as a result of the quantity of the extra allowance are going to be compact.
The theme for civil servants
In case of long health problem, officers (all classes and jurisdictions of origin) area unit salaried for three years 100 percent treatment of base - excluding bonuses - for a year, then five hundredth successive 2 years. for a few diseases (cancer, infectious disease, psychopathy...), is extended to five years 100 percent for three years so five hundredth for the last 2 years.
Exceeded now and within the event of incapacity for work, officers area unit place in retirement (with a minimum of fifty of the earnings excluding premiums), provided you have got fifteen years of effective service. Otherwise, it\'s the final theme that pays the illogicality pension.
The theme of the freelance and therefore the liberal professions
Craftsmen and tradesmen contribute jointly to a life assurance theme. they\'re typically less well lined than the workers of the final theme. However, they get pleasure from the required theme of insurance for the freelance. Paid daily allowances area unit clone of the theme provided they need contributed a minimum of a full year.
After three years, craftsmen ANd tradesmen don\'t seem to be on an equal footing. For craftsmen, if incapacity for work, AN illogicality pension is paid capable five hundredth of the revenue the primary 3 years, then half-hour from the fourth year.
For merchants, solely the full and definitive incapacity causes paid a pension of fifty and half-hour for partial incapacity.
And personal protection?
The collective foresight (within the corporate or administration) is long illness or illogicality recognized, inescapable monetary protection. If your leader has not enforced this sort of insurance, you\'ll sign a contract with knowledgeable individual.
Most of the contracts guarantee the payment of daily allowances and incapacity. the common value of a provident contract varies betting on the quantity and therefore the length of the compensation paid.
Be aware that the overwhelming majority of the contracts planned by mutual and insurers embody the pane \"disability\" as an extra guarantee of a capital contract death, others limit the length of payment of daily allowances.
In all cases, it\'s vital to fastidiously investigate offerings you planned as a result of the amounts that you simply receive can have a sway on the amount and therefore the quality of your life.
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