The self-employed person on paper has hardly any differences in terms of protection with respect to the employed or salaried worker. The reforms of the last two decades have almost equated the protection regime. But then why should you take special care in your protection? The answer is not in the rights but in the distribution of the payments of this protection regime. While in the employee a little more than three quarters of his contribution to Social Security is done by the company, the self-employed person pays the entire amount.
Pays mostly minimum contributions
This huge difference translates into the fact that the self-employed person pays mostly minimum contributions, only a part goes up when retirement approaches and this has a very clear consequence, less payments, less benefits and with it a special care that is reflected In insurance.
If life insurance is indispensable for everyone, for the self-employed it is even more so. With life insurance we can cover our heirs an additional income more than necessary when the widowhood and orphanhood pensions are lower. We must not forget that it is essential to have good disability coverage for the same reasons that we have specified, the conjunction of low income with higher expenses for the care of the person in this disability situation.
Self-employment of the autonomous worker
Health insurance is another complementary product more than important for the self-employed. You just have to analyze the proportion of self-employment of the autonomous worker against the employee, which barely reaches 40%. Moreover, the ones that occur most are already due to diseases and important causes. This does not mean that the self-employed are of “iron”, but that, having a low benefit in case of Temporary Temporary Disability, prefers to continue working, even if it is not 100% of their health.
For all these reasons, he is the first one interested in being in good health, having the best care, receiving it soon, with the least wait and therefore health insurance is essential. Without forgetting that the self-employed person can deduct up to 500 euros from the premiums paid by him or his family.
If in case of illness the benefits are low, they are also low when you retire. For all this, have forecast products such as Retirement Plans . Thanks to these, we can constitute a capital or income that we will receive at the time of our retirement and that will complement our public pension. All with other clear advantages. The first have our capital insured, no losses. The second is the tax deductions that we can benefit from the contributions we make. The third, to recover our money in case of serious or important cases such as long-term unemployment or serious illness.
With all this, these three products will give the autonomous sufficient guarantees to improve their protection, present and future, and that of those we love most.