{"id":7436,"date":"2026-10-29T17:46:48","date_gmt":"2026-10-29T16:46:48","guid":{"rendered":"https:\/\/balmontconseil.com\/?p=7436"},"modified":"2026-10-29T17:46:48","modified_gmt":"2026-10-29T16:46:48","slug":"architecte-liberal-cipav-arret-maladie-invalidite-2026-70000-euros-madelin","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/architecte-liberal-cipav-arret-maladie-invalidite-2026-70000-euros-madelin\/","title":{"rendered":"What does a self-employed architect receiving from Cipav while on sick leave or disability in 2026 receive, and how much is missing from a profit of \u20ac70,000?"},"content":{"rendered":"
\n

In summary\u2026<\/h2>\n

A liberal architect who emerges \u20ac70,000<\/b> of benefit received from Health Insurance \u20ac95.89 per day<\/b> From the 4th to the 90th day of sick leave (half of his income), totaling \u20ac8,342. The 2026 forms from Cipav, his pension and insurance fund, do not provide for any daily allowance from the 91st day onwards: for a 12-month sick leave, he receives 12,130 days of his income and \u20ac61,658 is missing<\/b>. The Cipav disability pension is only paid in cases of disability of at least 66 %; it is no longer based on classes but on a contribution of 0.5 %: approximately \u20ac22,392 per year<\/b> in total disability for this typical case, i.e. 32 % of income, hence a lack of \u20ac47,608 per year<\/b>. A group insurance contract (known as a Madelin contract) is tax-deductible up to \u20ac5,989.20 per year<\/b> at this level of profit and saves \u20ac1,796.76 in tax (article 154 bis of the General Tax Code).<\/p>\n<\/div>\n

1. Only two floors, with a gap between the two<\/strong><\/h2>\n

A self-employed architect does not have an employer to maintain their income. Since July 1, 2021, their first days of sick leave are compensated by the national health insurance (CPAM). After that, everything depends on their pension fund: the Interprofessional Pension and Old-Age Insurance Fund (CIPAV), which insures architects, only mentions in its 2026 information sheets a disability pension, paid when disability is recognized, and a death benefit.<\/p>\n

\n\n\n\n\n\n\n\n\n\n
Step<\/th>\nWho pays?<\/th>\nAmount for a profit of \u20ac70,000<\/th>\n<\/tr>\n<\/thead>\n
Days 1 to 3<\/td>\nPerson (3-day waiting period)<\/td>\n\u20ac0<\/td>\n<\/tr>\n
Days 4 to 90 (87 days)<\/td>\nThe CPAM: daily allowances<\/td>\n\u20ac95.89 per day, or \u20ac2,917 per month<\/td>\n<\/tr>\n
From the 91st day until the recognition of disability<\/td>\nNo services described in Cipav's official documents<\/td>\n\u20ac0 (see section 3)<\/td>\n<\/tr>\n
Disability of at least 66 %<\/td>\nThe Cipav: disability pension<\/td>\nApproximately \u20ac22,392 per year in total disability, \u20ac14,779 at 66 %<\/td>\n<\/tr>\n
Death<\/td>\nCipav: death benefits and annuities<\/td>\nApproximately \u20ac67,177 in capital; annuity for spouse or child of approximately \u20ac6,718 per year<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n

The CIPAV no longer publishes benefit classes. A document from the fund dated 2022 still presented three contribution classes (A, B, and C) at \u20ac76, \u20ac228, and \u20ac380 per year, with a disability pension of \u20ac5,260, \u20ac15,780, or \u20ac26,300 per year in the case of total disability. The 2026 fact sheets make no mention of any: the benefit is proportional to a contribution of 0.5 times the income, as detailed in section 4.<\/p>\n

2. From the 4th to the 90th day: Health insurance pays half of the income<\/strong><\/h2>\n

The law opens after one year of membership<\/b> on the date of the medical assessment of incapacity (Article D. 622-1 of the Social Security Code). The daily allowance is 1\/730th of the average income subject to contributions over the last three calendar years<\/b> (article D. 622-7), capped at 3 times the annual social security ceiling (PASS)<\/b> 3 \u00d7 \u20ac48,060 = \u20ac144,180 in 2026, i.e., the maximum \u20ac197.51 per day<\/b> (Centre for European and International Social Security Liaison, CLEISS). It is due from the 4th day and during 87 consecutive days<\/b> at most (article D. 622-12), within the limit of 360 allowances over 3 years.<\/p>\n

Dividing by 730 is equivalent to paying half of the income<\/b> : 365 \u00f7 730 = 50 %. For \u20ac70,000, the compensation is \u20ac95.89 per day; over 87 days, \u20ac8,342.47<\/b> gross. The ceiling of 3 PASS is not reached: it would only apply above \u20ac144,180 of average income.<\/p>\n

Source discrepancies.<\/b> The service-public.gouv.fr fact sheet F31233 (verified on October 8, 2026) indicates an income capped at 1 PASS (\u20ac48,060) and a maximum allowance of \u20ac65.84 per day; the CLEISS and the Health Insurance circular CIR-16-2021, which cites articles of the Social Security Code, use 3 PASS. We use 3 PASS. With the 1 PASS cap, the allowance would be \u20ac65.84 per day, totaling \u20ac5,727.70 over 87 days and a shortfall of \u20ac64,272 over 12 months.<\/p>\n

This coverage is financed by a daily allowance contribution collected by the Urssaf (French social security agency). The Urssaf page published in 2024 gives a rate of 0.30 % of income up to a limit of 3 times the annual social security ceiling (PASS); we have not seen the 2026 rate. The CIPAV (French pension fund for self-employed professionals) specifies that the contribution is collected by the Urssaf and that the benefit is paid by the CPAM (French national health insurance fund).<\/p>\n

3. From the 91st day onwards: what Cipav does not pay<\/strong><\/h2>\n

This is the point architects are discovering latest. Before 2021, only certain sections of the National Pension Fund for the Liberal Professions (doctors, paramedical professionals, chartered accountants, dentists, midwives) paid benefits starting on the 91st day, according to the National Old-Age Insurance Fund for the Liberal Professions (CNAVPL). The CIPAV (Interprofessional Pension Fund for Liberal Professions) is not on this list, and none of the CIPAV's 2026 fact sheets I consulted mention daily allowances after the 90th day. The service-public.gouv.fr fact sheet simply states that from the 90th day onward, the contact is no longer the CPAM (Primary Health Insurance Fund) but the pension fund, and refers users to the fund for information on the amounts.<\/p>\n

Our calculation therefore retains \u20ac0 between the 91st day and the recognition of a disability<\/b>. This is based on an interpretation of official documents, not a statement from the pension fund: written communication with Cipav, or through your personal online account, confirms your individual situation. Furthermore, a disability pension requires a permanent and definitive disability (Cipav's 2023 practical guide), which excludes long but still reversible periods of absence.<\/p>\n

4. The Cipav disability pension in 2026<\/strong><\/h2>\n

The conditions: a reduced work capacity of\u2019at least two-thirds<\/b> due to an illness or accident unrelated to work, and up-to-date contributions. Disability is total<\/b> (rate of 100 %) or partial<\/b> (from 66 % to 99 %). The full pension is paid until age 62, after which a disability pension can be claimed; the partial pension is paid until retirement benefits are finalized or until age 67 if the insured continues to work. The CIPAV does not specify a waiting period.<\/p>\n