Unemployment insurance for the self-employed, owner's manual

The unemployment benefit for the self-employed is in force since 1 November, but many autoentrepreneurs, who were waiting for the measure are likely to be disappointed.

A safety net in case of economic losses when one is self-employed. On the 1st of November, the unemployment insurance opens the self-employed. "It is a very great step forward," says François Hurel, president of the UAE, the Union of auto-entrepreneurs. . I applaud... Even if the conditions don't appeal to me." The measurement is often presented with the opening of the rights to the resigning members, it has, however, not large-thing to see, as the conditions for obtaining it are different.

All of the self-employed can claim unemployment insurance ?

Be the research, effective of a job is the first requirement to reach the unemployment after having been independent. But it is then that things get tough. It will be necessary to justify a self-employed activity without interruption for at least two years on a single business and also to the title of this self-employed activity, income, past activity greater than or equal to eur 10 000 per year (7500 euros to Mayotte)*.

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But this is not all. Pôle emploi will also verify that you do not justify the resources higher than a monthly ceiling equal to 559,74 euros (419,81 euros to Mayotte), which corresponds to the amount of social activity (for a single person as at April 1, 2019). (This requirement does not exist for other beneficiaries of unemployment insurance.)

What other conditions have to be met?

Only people who have been the subject of a receivership, with the eviction of the officer or a judicial liquidation will be entitled to unemployment benefit for self-employed workers. It must therefore necessarily be passed by the tribunal de commerce when you stop your activity. Objective of government : book the measure to those who left involuntarily.

The many micro-entrepreneurs, who were waiting for the entry into force of this provision are likely to be disappointed. Certainly, on a legal level, they can go before the tribunal of commerce, but the approach is quite rare. "This formalism is counter-productive,denounces François Hurel, for whom the procedure could have been much more slight. When one is made bankrupt, the Bank of France is aware, it is stuck and it can be more complicated after you start over." The public would have access is particularly restricted.

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How to apply?

The application must be made to the job center who will check in advance that you can't claim unemployment benefit.Based on the information provided, the operator will direct you to the specific allowance for self-employed workers (ATI).

What will be the amount of the allowance?

If you meet all the requirements, you will receive an allocation of a lump sum of 800 euros per month (26,30 euros per day) paid by Pôle emploi. Namely : it will be paid without delay and be subject to the CSG, CRDS and income tax.

For how long will she be paid?

She will be paid for 182 days (six months) maximum. As for other unemployment benefits, you are validating quarters for retirement during the period of payment

How many people could benefit from it ?

according To the study of the impact of the draft law "Future professional" which measurement is the result, almost 30 000 people are expected to benefit each year.

For what cost?

The annual cost of this measure for the unemployment Insurance would be € 140 million.

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*average income is the subject of the last two tax returns, each corresponding to a full year of activity.