The Decree of 31/01/2020 amended by those of 09/03/2020 and 19/03/2020 allows individuals exposed to COVID-19 and subject to a measure of isolation, eviction or required to stay at home, or parents of children under 16 years of age who are themselves subject to this measure and are unable to work, to receive daily allowances paid by the Social Security (IJSS) under certain dispensatory conditions:
– No minimum duration of activity or minimum contribution required to benefit from daily allowances paid by the Social Security (IJSS);
– No waiting period (IJSS allowance is paid from the 1st day of absence);
– Maximum payment period of 20 days (for childcare for one of the 2 parents only, and is renewable);
– Measures applicable from 02/02/2020 and until 31/05/2020.
COVERAGE BY YOUR ACCIDENT COVER POLICIES
Initially, in view of the specific nature of the situation, insurers had decided to cover these work stoppages up to the amount of their contractual commitments (and in particular, after applying the deductible). However, following the decision by the President of the French Republic to introduce a generalised lockdown, they have modified this agreement.
Therefore, a position in the insurance market consists of making significant financial commitments to cover:
– Work stoppages for medical reasons (due to illness or accident), including during periods of partial unemployment;
– Work stoppages for vulnerable individuals (Long-term health conditions or last 3 months of pregnancy) for whom no teleworking solution is possible (in accordance with the Social Security dispensatory procedure).
However, work stoppages that do not affect the state of health (and therefore, do not satisfy the conditions laid down by the insurance policies) are no longer covered from the date of the general lockdown. This lack of coverage under accident cover schemes does not affect the salary continuance obligation.
To find out the practical terms of this new position adopted by insurers, please contact your Verlingue correspondents.