Indemnité journalières : En savoir plus

Temps de lecture : 5 mn

Indemnités journalières: KESAKO ?

L’indemnité journalière maladie (IJ) est une prestation financière versée par les caisses d’Assurance maladie (ou par l’employeur, dans certains cas), aux assurés sociaux en arrêt de travail. Les IJ maladie visent à compenser la perte de revenu.

Pour percevoir des IJ maladie, l’assuré doit remplir certaines conditions, variables selon les caisses d’affiliation.

Les indemnités journalière maladie sont versées pendant une certaine période, après un délai de carence, allant de 3 jours pour un salarié, un artisan ou un commerçant à 90 jours pour un professionnel libéral.

Le coup d'avance dans votre protection financière
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Droits ouverts aux IJ maladie en fonction de l’activité exercée

 

Le tableau ci-dessous compare le droit aux indemnités journalières maladie et leur montant, selon l’activité de l’assuré :

ACTIVITÉ

CAISSE

IJ MALADIE
Salarié CPAM

IJ maladie = 50% du salaire journalier de base calculé sur une base mensuelle max de 1,8 fois le Smic en vigueur (66,66 % à partir du 31e jour d’arrêt de travail continu si au moins trois enfants à charge)

 

Maximum 60,73 €/brut en 2020 par jour
Fonctionnaire CPAM (pour la maladie) Pas d’IJ maladie (perçoit tout ou une partie de son traitement indiciaire sur une période déterminée)
Artisan-commerçant CPAM

IJ maladie = 1/730e x Revenu annuel moyen des 3 dernières années dans la limite du plafond annuel de la Sécurité sociale :

 

de 5,46 € par jour en 2020 à 56,35 € par jour en 2020
Auto-entrepreneur CPAM

IJ maladie sous conditions :

 

– revenu annuel moyen supérieur à 3 982,80 € par an en 2020 : de 5,46 € par jour en 2020 à 56,35 € par jour en 2020

– revenu annuel moyen inférieur à 3 982,80 € par an en 2020 : L’indemnité est nulle sur pour les micro-entrepreneurs payant une cotisation minimale indemnité journalière
Profession libérale Caisse d’affiliation propre Droit aux IJ et montants variables en fonction des caisses

 

Exploitant agricole

 

 MSA

J1 à 28 : 21,46 €/jour (- jours de carence) jusqu’au 31 mars 2021

 

J29 et + : 28,61 €/jour (- jours de carence) jusqu’au 31 mars 2021

 

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