It is important to anticipate financial difficulties in order to maintain income in the event of a prolonged work stoppage. This way, you secure your future, as well as that of your partner and family, while avoiding falling into over-indebtedness. There are various solutions to help you, including our prospective solution.
How to maintain income and overcome financial difficulties?
The first solution is foresight. This way, you are at ease in case of financial difficulties. Then, do not wait for the situation to worsen and react quickly. It is also necessary to assess your situation based on the frequency of your difficulties: occasional or lasting. You can also turn to a consumer association. They can assist you in taking stock of your situation, establishing a budget, and preparing a file to receive assistance.
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Pension Guarantee
If you stop your activity due to illness or accident, social security only pays 50% of the gross salary in case of work stoppage (excluding industrial accidents). This may lead you to face financial difficulties, including paying your rent and energy consumption. Therefore, we offer you a pension guarantee. This guarantees the loss of income due to a work stoppage, regardless of the duration. The amount of the compensation is calculated based on the actual loss of income so that you can maintain your standard of living.
Disability Pension to Face Financial Difficulties
If you suspend your salaried activity due to an accident or illness, you can apply for a disability pension, subject to certain conditions. This will allow you to maintain your income in case of financial difficulties. You can apply directly to the CPAM for a disability pension. Otherwise, it can directly decide on the payment of the pension. It is temporary and can be revised, increased, suspended, or canceled. These changes may be due, in particular, to the evolution of the insured’s health status or the resumption of professional activity. Please note that the old-age pension replaces the disability pension at the legal retirement age.
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Solutions to Pay for Your Home
If you are facing financial difficulties in paying for your home, contact a social assistance service. You can also reach out to a specialized association to help you manage your budget and over-indebtedness. They can advise you, help you build files, and find sustainable solutions. Additionally, do not forget to inform the Family Allowance Fund (CAF) of your financial difficulties. You can also request it to improve your housing assistance. Also notify the CAF of unpaid payments, so as not to lose the assistance you are receiving.
If you are having trouble paying your rent, quickly contact your landlord. You may be able to negotiate a payment deadline and plan the repayment of unpaid payments through a liquidation plan. Furthermore, Action Housing offers mechanisms to address unpaid payments. They can unlock a loan, buy back the accommodation, and assist the tenant in finding solutions.
If you have a mortgage, request a payment period from your lending institution. If you face a refusal, you can request a grace period before the Magistrate’s Court. You can also file a case of over-indebtedness or request your mortgage insurance.
Setting Energy Costs in Case of Financial Difficulties
You may benefit from social tariffs to pay your energy expenses if you meet certain conditions. Thus, if your taxable income is less than or equal to €2,175 or if you are a beneficiary of universal complementary health insurance, you will qualify. If you meet these criteria, contact your CPAM or the tax administration. They will be able to verify your eligibility and report your situation to energy suppliers.