Are you employed in the private sector and currently experiencing a loss of income? Whether this drop in salary is due to sick leave (illness, accident), disability, a change of company, a modification of your employment contract, or a career change, it can quickly become a real challenge.
So, how can you ensure your salary is maintained or supplemented over time? If you’re an employee considering a new side activity, what are your rights and responsibilities—both towards your employer and Social Security, especially if you’re receiving compensation?
Elora, a leading company specializing in at-home fashion sales, is here to guide you.
WHAT TO DO IN CASE OF SICK LEAVE OR DISABILITY?
What Social Security provides
When it comes to sick leave pay, Social Security provides daily allowances (IJSS), but these are subject to a waiting period and are capped. As a result, they don’t fully make up for the employee’s lost income.
Another key factor is the so-called “provident insurance” taken out by the employee or set up by the employer. This type of insurance offers a guarantee that, depending on the contract terms, can provide additional compensation on top of the daily allowances paid by Social Security (IJSS).
How to protect your income
Whether your income is maintained will depend on your company’s policies: depending on the collective agreement or sector agreement in place, you may receive extra compensation to offset the loss of salary.
It’s essential for employees to be well informed about the insurance and guarantee schemes they have, so they can anticipate the financial impact of sick leave, depending on its duration. A thorough review of company agreements, as well as your insurance and provident contracts, will help you optimize your total compensation and ensure better income protection.
HOW TO EARN MONEY IF YOU LOSE PART OF YOUR SALARY?
There are several solutions available to help you offset a loss of salary and maintain your overall income—or even increase it. One of the most effective is to take on a side job or additional activity for as long as you need.
Supplement your salary
In most cases, employees are allowed to supplement their salary part-time by taking on additional work, even on a regular basis, as long as it doesn’t harm the company that pays their main salary.
Check your contract
Be sure to review your employment contract to confirm you’re within your rights, especially to check for any clause that might prohibit a second job. Don’t wait until you’ve started to check this.
Sick leave and side activities
Contrary to popular belief, an employee on sick leave can work as a freelancer and earn income as a self-employed person, even while receiving daily allowances (IJSS), but certain conditions apply.
Disability and combining incomes
For employees with a disability, it’s also possible to work as a self-employed person, but this depends on the category of disability and Social Security rules.
Generally, any self-employed activity must not interfere with your recovery during sick leave, nor go against your prescribed medical treatment. It’s recommended to consult your doctor and check with the local health insurance office (CPAM) to avoid any risk of your daily allowances (IJSS) being suspended.
If you have a category 1 disability, you can usually combine your pension with self-employed work. However, for a category 2 disability, it’s best to check with the local health insurance office (CPAM), as this may affect your pension amount or even stop payments altogether.
It’s essential to meet all administrative requirements and make sure your activity is compatible with your health. Consulting a Social Security advisor or a labor law specialist is recommended to ensure you keep your benefits.
HOW TO EARN EXTRA INCOME WITH ELORA?
If you love fashion and enjoy connecting with people... offering your services as an independent home sales consultant (VDI) for a fashion brand is a fantastic way to expand your professional activity and see your income grow over time.
Elora offers many Fashion Consultant positions, open to anyone looking to make up for lost income and/or earn extra on top of any Social Security compensation.
A flexible activity
At Elora, Fashion Consultants work as personal shoppers, making the role both fulfilling and rewarding. They have the right to operate under the simplified micro-enterprise scheme.
This contract comes with many advantages. For example, Elora gives them the freedom to organize their schedule and working hours exactly as they wish.
Growing income
Their earnings are based on a non-capped percentage of sales made, clearly stated in the contract from the start.
It’s easy to calculate: just two sales per week can earn you the equivalent of a minimum wage salary.
Zero investment
Personal shoppers grow their business from home or nearby, saving valuable time.
They’re not employees under an employer’s authority, but independent, while still enjoying the security of a proper contract.
Fashion Consultants can also take part in a variety of challenges to win gifts and trips throughout the year, strengthening their sense of belonging to a dynamic and welcoming company.
Want to make up for lost income with a flexible and rewarding activity?
Become a Fashion Consultant for Elora.
Discover the activity
