Social security daily sickness allowances

When an employee is on doctor-prescribed sick leave, public health insurance pays daily allowances from the fourth day of absence, the first three forming the waiting period. Their amount equals 50% of the basic daily wage, calculated on average gross pay over the three months before the leave, up to a cap expressed as a multiple of the minimum wage. They are paid for at most three years for a long-term condition, and up to a number of days over three years for ordinary absences. Daily allowances form the base on which the employer's salary continuation and the protection plan's incapacity cover are stacked, whose benefits are expressed net of these allowances. For the protection insurer, any change in public rules, cap, waiting period, duration, mechanically shifts part of the cost to the supplementary cover, without any change to the contract.