Temporary disability

Temporary disability is a medically established inability to carry on one's occupation for a limited time, as opposed to permanent disability, which presupposes a stabilized condition. Its contractual definition is the most important and least read clause in these policies: covering inability to follow one's own occupation is not the same as covering inability to follow any occupation, and the price gap between the two wordings is large because the claims gap is too. Benefit takes the form of a daily amount paid after the elimination period, capped by the indemnity principle at the income actually lost across all schemes, which bars indefinite stacking of the compulsory scheme, salary continuation and the private contract. It ends on return to work, on consolidation, which opens the move into permanent disability, or on exhaustion of a contractual maximum, generally three years. The problem solved is loss of earned income over a span too short to trigger a disability regime and too long for household savings to absorb.

The French national collective agreement for executive staff of March 14, 1947, whose obligation was carried over by the interprofessional agreement of November 17, 2017, requires the employer to pay a protection contribution of 1.50% of the first band of pay, at least half of which must fund the death benefit. It is on that base that the elimination period and the daily disability benefit are built in most French executive schemes.

ITT, arrêt de travail indemnisé