{"id":7645,"date":"2026-10-29T17:46:36","date_gmt":"2026-10-29T16:46:36","guid":{"rendered":"https:\/\/balmontconseil.com\/?p=7645"},"modified":"2026-10-29T17:46:36","modified_gmt":"2026-10-29T16:46:36","slug":"orthophoniste-liberale-arret-maladie-invalidite-carpimko-2026-madelin","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/orthophoniste-liberale-arret-maladie-invalidite-carpimko-2026-madelin\/","title":{"rendered":"Self-employed speech therapist with \u20ac42,000 profit: what will one receive in sick leave or disability in 2026 (CARPIMKO)?"},"content":{"rendered":"
\n

In summary\u2026<\/h2>\n

A self-employed speech therapist who gives off \u20ac42,000<\/b> profit and ceases its activity affects \u20ac57.53 per day<\/b> of Health Insurance from the 4th to the 90th day of sick leave (50%<\/b> of his income), then \u20ac55.44 per day<\/b> from CARPIMKO, his pension and welfare fund, from the 91st day until the end of the 3rd year (48 % of his income). From the 4th year onwards, the disability pension is \u20ac20,160 per year<\/b> She is totally disabled (48% of her income) and receives \u20ac10,080 in partial disability benefits. Over a continuous 12-month leave, she receives \u20ac20,251 and is short of [amount missing]. \u20ac21,749<\/b> ; from the 91st day onwards, the difference is \u20ac1,814 per month<\/b>. A group insurance contract (known as a Madelin contract) is deductible from profits up to \u20ac4,939.20 per year<\/b> at this income level (article 154 bis of the General Tax Code).<\/p>\n<\/div>\n

1. Who pays what: Health Insurance, then CARPIMKO<\/strong><\/h2>\n

A self-employed speech therapist does not have an employer to maintain their salary. The transition occurs in two stages. The first few days are covered by the national health insurance (Assurance Maladie), their basic plan, since July 1, 2021. From the 91st day onward, CARPIMKO (the independent pension and welfare fund for nurses, physiotherapists, chiropodists\/podiatrists, speech therapists, and orthoptists) pays an allowance through its disability and death benefits plan. The amounts below are those published for 2026.<\/p>\n

\n\n\n\n\n\n\n\n\n
Step<\/th>\nWho pays?<\/th>\nAmount for a profit of \u20ac42,000<\/th>\n<\/tr>\n<\/thead>\n
Days 1 to 3<\/td>\nPerson (waiting period)<\/td>\n\u20ac0<\/td>\n<\/tr>\n
Days 4 to 90 (87 days)<\/td>\nThe primary health insurance fund (CPAM): daily allowances<\/td>\n\u20ac57.53 per day, or \u20ac1,750 per month<\/td>\n<\/tr>\n
From the 91st day to the end of the 3rd year<\/td>\nCARPIMKO: daily allowance<\/td>\n\u20ac55.44 per day, or \u20ac1,686 per month<\/td>\n<\/tr>\n
From the 4th year onwards<\/td>\nCARPIMKO: disability pension<\/td>\n\u20ac20,160 per year in total disability, \u20ac10,080 in partial disability<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\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 compensation is 1\/730th of the average income subject to contributions over the last three calendar years<\/b> (Article D. 622-7). It is due from the 4th day, for a maximum of 87 consecutive days<\/b> (Articles D. 622-5 and D. 622-12), up to a limit of 360 allowances over three years. If the average income is less than \u20ac4,582, the allowance is zero (CLEISS).<\/p>\n

Dividing by 730 is equivalent to paying half of the income<\/b> 1\/730th per day over 365 days gives 50 %. For an average of \u20ac42,000, the allowance is \u20ac57.53 per day. The cap does not apply at this income level, and the sources diverge without consequence here. The CLEISS sets the cap for regulated liberal professions at 3 times the annual social security ceiling (PASS), i.e., 3 \u00d7 \u20ac48,060 = \u20ac144,180, therefore \u20ac197.51 per day. It uses a single PASS, i.e., \u20ac65.84 per day, for craftspeople, tradespeople, and unregulated liberal professions. The income of \u20ac42,000 is below \u20ac48,060: the result is the same with either cap.<\/p>\n

3. From day 91: CARPIMKO and its \u20ac55.44 per day<\/strong><\/h2>\n

CARPIMKO covers the 91st day of total shutdown<\/b>. The allowance is \u20ac55.44 gross per day<\/b>, The same as in 2025, regardless of income: it is a fixed amount. It runs until the last day of the third year of disability, whether for consecutive or non-consecutive periods. The same amount is paid for \u20ac42,000 or \u20ac100,000 of profit: the portion of income replaced decreases as income increases, and it is already less than half at \u20ac42,000.<\/p>\n