Auto entrepreneur and unemployment benefits

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Auto entrepreneur and unemployment benefits


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Old 15th September 2020, 02:47 PM
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Default Auto entrepreneur and unemployment benefits

Hello,

I'm currently registered at Pôle Emploi as a job seeker (ARE), and looking to have an auto-entrepreneur status pretty soon. Now, at least for the moment, a) I do not want to nor I need any financial aid from Pôle Emploi to create it, and b) I want to have part of my future income as an AE, not the full income. I'm having some questions concerning the unemployment benefits that I'll receive, in these questions, please assume a) and b) above.

Q1. a) If I create an online company now as an AE/ME, how exactly is it going to affect my benefits/indemnisation? For calculation's sake, assume that Pôle Emploi give me 2000€/month and I've 2 years of benefits remaining, and my company yields 500€/month, does it mean that Pôle Emploi will start giving me 2000 - 500 = 1500€ per month?
b) How will the duration of 2 years above be affected?

I read this link that I found attempting to give answers to some of my questions:

https://www.expert-comptable-tpe.fr/...-entrepreneur/


But there're few things I couldn't understand, so I ask here - I'll quote English translation of the corresponding passage here, and then formulate my question:

Look at "Maintien partiel des allocations chômage : éléments à connaître/Partial maintenance of unemployment benefits: things to know"

"This maintenance of your unemployment benefits is open for a maximum period of 15 months, except if you are 50 years or over when you create your activity as a self-employed person . In this case, you can benefit from the maintenance of your unemployment benefits without limit of duration."

Q2. I'm less than 50 year old; now consider two cases: I've 1 year (< 15 months) vs. 5 years (> 15 months) of unemployment benefits remaining, and I get an AE status. Does this mean that in the second case, my unemployment benefit duration will shrink to just 15 months from 5 years?!

Q3. What'll happen in the first case, where I've <15 months of benefits remaining?

OR, nothing will happen in Q2 and Q3 above and I'll hae benefits for 1 and 5 years respectively, because I'm not using any financial help from Pôle Emploi.

Thanks in advance and I might have to ask a relevant question later!

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Old 18th September 2020, 07:10 PM
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Good evening,
As for Q1 - that a theoretical PE payment of 2000€/month would be amputated by 500€ (your AE earnings), I find that quite consistent with PE procedure.
Maybe someone else will come along and prove me wrong but the ball is at least rolling

Q1-b: AEs social charges can now entitle them to IJ (indemnisation journalier for sick leave) and should eventually recharge their right to unemployment benefit.
However, if the AE declares income less than a SMIC over 12 months, it may not be enough to be able to claim IJ or chomage rights.

For Q2, I'm surprised to see you quoting 5 years of unemployment pay.
As far as I know the limit for under 50's is indeed 2 years.

I don't know if the 2 year period has been brought down to 15 months - there was a lot of confusion last winter over the reforms to unemployment rules - and the fact that they may have been abrogated or suspended.

Note that for first-time AEs, you can benefit from the ACCRE which permits you to pay less social contributions over the first three years of exercise
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Old 19th September 2020, 01:58 PM
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Note that for first-time AEs, you can benefit from the ACCRE
which permits you to pay less social contributions over the first three years of exercise

ACCRE has been watered down to ACRE, and is now only offered for the first year.

It spent a brief time as 'automatic' for all new AE start-ups, but has now returned to being offered to certain groups who qualify.

One of those is folk registered with Pole Emploi.

Previous AEs (now also changed to MEs ) can qualify for a second award of ACRE, but it must be at least three years since they last received it.

.
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Old 19th September 2020, 03:31 PM
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ACCRE has been watered down to ACRE, and is now only offered for the first year.

It spent a brief time as 'automatic' for all new AE start-ups, but has now returned to being offered to certain groups who qualify.

One of those is folk registered with Pole Emploi.

Previous AEs (now also changed to MEs ) can qualify for a second award of ACRE, but it must be at least three years since they last received it.

.
Hmmm I forgot that I read that! I've just 'modified' my ME over to a teaching code. From what I've read this would enable me to get the ACRE (and it's been over 3 years since I got the last one). Do I have to ask for it somewhere?

And along a similar question to the OP - will earning money with my ME cancel my RSA or until I'm earning over will it get topped up somehow? Can't seem to find anything about earning while getting RSA.

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Old 19th September 2020, 06:33 PM
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Hmmm I forgot that I read that! I've just 'modified' my ME over to a teaching code. From what I've read this would enable me to get the ACRE (and it's been over 3 years since I got the last one). Do I have to ask for it somewhere?

And along a similar question to the OP - will earning money with my ME cancel my RSA or until I'm earning over will it get topped up somehow? Can't seem to find anything about earning while getting RSA.
You must apply within 45 days of launching your ME.

https://www.autoentrepreneur.urssaf....der-lacre.html

Just declare your ME start-up to Caf, then your earnings on the declaration trimestrielle.

I don't know the figures for the deductions. I don't make a fortune, but my deductions were much lower than my earnings.

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Old 20th September 2020, 08:33 AM
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And along a similar question to the OP - will earning money with my ME cancel my RSA or until I'm earning over will it get topped up somehow? Can't seem to find anything about earning while getting RSA.
Just had one of those 'thought-of-another-question whilst cleaning my teeth' moments.

I always thought my RSA was gained on a reciprocal basis as an EU citizen, and that it may well end in December.

Can I ask you what basis you qualify under?

Do you have a CdS or French Nationality?

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Old 20th September 2020, 10:57 AM
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Just had one of those 'thought-of-another-question whilst cleaning my teeth' moments.

I always thought my RSA was gained on a reciprocal basis as an EU citizen, and that it may well end in December.

Can I ask you what basis you qualify under?

Do you have a CdS or French Nationality?
I have no idea - I guess I'm just in the system! I think if you are living here and have been for years I can't see that they can suddenly stop helping people. I'm only unemployed because of covid and trying my hardest to get back on my feet.
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Old 20th September 2020, 11:28 AM
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Originally Posted by Clic Clac View Post
Just had one of those 'thought-of-another-question whilst cleaning my teeth' moments.

I always thought my RSA was gained on a reciprocal basis as an EU citizen, and that it may well end in December.

Can I ask you what basis you qualify under?

Do you have a CdS or French Nationality?
I have no idea - I guess I'm just in the system! I think if you are living here and have been for years I can't see that they can suddenly stop helping people. I'm only unemployed because of covid and trying my hardest to get back on my feet.

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Old 20th September 2020, 12:17 PM
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I have no idea - I guess I'm just in the system! I think if you are living here and have been for years I can't see that they can suddenly stop helping people. I'm only unemployed because of covid and trying my hardest to get back on my feet.
Me neither - but Caf stopped all my benefits in May (in the middle of lockdown), without warning, because they thought that Britain had left the EU*.

(Thereby implying that they won't be helping any Brits after the WA ceases on December 31st).


* I know we have already left.

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Old 20th September 2020, 01:02 PM
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Me neither - but Caf stopped all my benefits in May (in the middle of lockdown), without warning, because they thought that Britain had left the EU*.

(Thereby implying that they won't be helping any Brits after the WA ceases on December 31st).


* I know we have already left.
OMG really we'll be totally screwed

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