{"id":3579,"date":"2021-06-01T15:48:00","date_gmt":"2021-06-01T13:48:00","guid":{"rendered":"https:\/\/projects.atxeit.ch\/syndicom\/?post_type=article&p=3579"},"modified":"2025-07-29T11:17:14","modified_gmt":"2025-07-29T09:17:14","slug":"chemin-vers-lindependance","status":"publish","type":"article","link":"https:\/\/syndicom.ch\/fr\/article-guide\/chemin-vers-lindependance\/","title":{"rendered":"Chemin vers l’ind\u00e9pendance"},"content":{"rendered":"\n
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Tu te poses des questions sur le chemin vers l’ind\u00e9pendance ? Notre service juridique est l\u00e0 pour t’aider.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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A qui m\u2019adresser et comment proc\u00e9der si je souhaite devenir ind\u00e9pendant et b\u00e9n\u00e9ficier d\u2019un soutien financier ?<\/strong><\/h3>\n\n\n\n

L\u2019assurance-invalidit\u00e9 peut accorder une aide en capital pour d\u00e9marrer une activit\u00e9 ind\u00e9pendante, octroy\u00e9e en r\u00e8gle g\u00e9n\u00e9rale sous forme de pr\u00eat remboursable avec int\u00e9r\u00eats. Tu dois t\u2019annoncer \u00e0 cet effet \u00e0 l\u2019AI et demander une aide en capital. Plusieurs conditions doivent \u00eatre remplies. Avant tout, ton \u00e9tat de sant\u00e9 et l\u2019activit\u00e9 exerc\u00e9e doivent permettre de r\u00e9aliser un revenu plus important qu\u2019une activit\u00e9 salari\u00e9e. De plus, tu as besoin d\u2019une attestation de la caisse de compensation de ton canton, qui confirme ton statut d\u2019ind\u00e9pendant. Les exigences pour \u00eatre reconnu en tant qu\u2019ind\u00e9pendant sont tr\u00e8s strictes. <\/p>\n\n\n\n

En parall\u00e8le, la caisse de ch\u00f4mage paie jusqu\u2019\u00e0 90 indemnit\u00e9s journali\u00e8res lorsqu\u2019une personne d\u00e9marre une activit\u00e9 ind\u00e9pendante. Ici aussi, les conditions d\u2019octroi sont strictes et le statut d\u2019ind\u00e9pendant doit \u00eatre reconnu.<\/p>\n\n\n\n

Si mon revenu d\u2019ind\u00e9pendant ne suffit pas et m\u2019oblige par cons\u00e9quent \u00e0 exercer une ou deux activit\u00e9s annexes, faut-il que je paie \u00e9galement des cotisations sociales comme ind\u00e9pendant ?<\/strong><\/h3>\n\n\n\n

Cela d\u00e9pend du revenu que tu r\u00e9alises en tant qu\u2019ind\u00e9pendant. Si tu gagnes moins de 9600 francs par an, tu dois payer la cotisation minimale de 503 francs. En tant qu\u2019ind\u00e9pendant, tu n\u2019es pas couvert par l\u2019assurance-ch\u00f4mage, ni par l\u2019assurance-accidents obligatoire, ni par la caisse de pension. <\/p>\n\n\n\n

Selon ton activit\u00e9 annexe, tu risques l\u00e0 aussi de passer \u00e0 travers les mailles du syst\u00e8me de s\u00e9curit\u00e9 sociale si ton employeur ne paie pas de cotisations AVS ni de cotisations LPP, si tu n\u2019es pas assur\u00e9 contre une perte de salaire en cas de maladie ou d\u2019accident, et si tu n\u2019as pas droit \u00e0 des indemnit\u00e9s de ch\u00f4mage. <\/p>\n\n\n\n

Je songe \u00e0 me mettre \u00e0 mon compte. Puis-je m\u2019affilier \u00e0 une caisse de pension \u00e0 titre individuel, et comment dois-je m\u2019y prendre ?<\/strong><\/h3>\n\n\n\n

Oui, selon la branche dans laquelle tu travailles, tu peux t\u2019affilier \u00e0 une caisse de pension collective de ton association professionnelle. Ou tu peux t\u2019assurer aupr\u00e8s de la Fondation institution suppl\u00e9tive. Il existe toutefois aussi des caisses de pension qui proposent des solutions de pr\u00e9voyance con\u00e7ues sp\u00e9cialement pour les ind\u00e9pendant-es (p. ex. la caisse de pension Freelance pour les membres de syndicom). Sinon, l\u2019autorit\u00e9 cantonale de surveillance te renseigne sur les caisses de pension qui assurent les ind\u00e9pendant-es.<\/p>\n\n\n\n

Avant de te mettre \u00e0 ton compte ou de combiner plusieurs activit\u00e9s, il est important de t\u2019informer de tes droits et de tes obligations aupr\u00e8s de ton syndicat.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Quels moyens financiers ai-je \u00e0 ma disposition pour devenir ind\u00e9pendant ?<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"article-category":[304],"class_list":["post-3579","article","type-article","status-publish","hentry","article-category-independance"],"acf":[],"yoast_head":"\nChemin vers l'ind\u00e9pendance - syndicom<\/title>\n<meta name=\"description\" content=\"De quels moyens financiers est-ce que je dispose pour devenir ind\u00e9pendant ? 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