{"id":836,"date":"2012-11-30T20:07:40","date_gmt":"2012-11-30T19:07:40","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=836"},"modified":"2025-07-21T10:04:31","modified_gmt":"2025-07-21T08:04:31","slug":"quest-ce-que-la-garantie-arret-de-travail","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/quest-ce-que-la-garantie-arret-de-travail\/","title":{"rendered":"Qu&rsquo;est ce que la garantie arr\u00eat de travail ?"},"content":{"rendered":"<p>L\u2019automne est l\u00e0, le froid arrive \u00e0 grand pas et il pleut des arr\u00eats de travail ! Avec le froid, les virus sont de retour\u2026 et peuvent co\u00fbter cher aux entreprises qui croulent sous les arr\u00eats de travail\u00a0! En effet, en plus de la d\u00e9sorganisation et la baisse de rentabilit\u00e9 induite par l\u2019absence d\u2019un salari\u00e9, l\u2019employeur doit maintenir une partie de la r\u00e9mun\u00e9ration des absents. Votre pr\u00e9voyance vous propose une garantie arr\u00eat de travail, mais est-ce la bonne solution ?\u00a0<span class=\"s1\">Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, fait le point.<\/span><\/p>\n<h4><strong><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2012\/11\/avis-arret-de-travail.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-5371 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2012\/11\/avis-arret-de-travail-300x200.jpg\" alt=\"avis d'arr\u00eat de travail\" width=\"300\" height=\"200\" \/><\/a>Quelles sont les obligations l\u00e9gales ?<\/strong><\/h4>\n<p>La loi pr\u00e9voit qu\u2019apr\u00e8s un an d\u2019anciennet\u00e9, l\u2019employeur doit assurer au salari\u00e9 malade un maintien de r\u00e9mun\u00e9ration \u00e0 hauteur de 90% pendant 30 jours, puis 66,67% pendant les 30 jours suivants. Certaines conventions collectives pr\u00e9voient des maintiens plus importants, plus longs, ou annulent m\u00eame la condition d\u2019anciennet\u00e9\u00a0!<\/p>\n<p>Sachez que si la S\u00e9curit\u00e9 sociale verse au salari\u00e9 des indemnit\u00e9s journali\u00e8res qui repr\u00e9sentent environ 50% de sa r\u00e9mun\u00e9ration, c\u2019est l\u2019entreprise qui paye le solde.<\/p>\n<h4><strong>La garantie arr\u00eat de travail, une bonne solution\u00a0?<\/strong><\/h4>\n<p>Contre une cotisation mensuelle, certains contrats de pr\u00e9voyance proposent de prendre en charge le maintien des r\u00e9mun\u00e9rations \u00e0 la place de l\u2019entreprise gr\u00e2ce \u00e0 la garantie arr\u00eat de travail. Les avantages sont multiples\u00a0:<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\">Co\u00fbt faible<\/span> en comparaison de la charge financi\u00e8re repr\u00e9sent\u00e9e par le maintien de salaires,<\/li>\n<li><span style=\"text-decoration: underline;\">D\u00e9marches administratives simplifi\u00e9es<\/span> : vous d\u00e9clarez l\u2019arr\u00eat de travail aupr\u00e8s de l\u2019organisme de pr\u00e9voyance, qui se chargera de r\u00e9gler directement les compl\u00e9ments au salari\u00e9,<\/li>\n<li><span style=\"text-decoration: underline;\">Cotisation d\u00e9ductible<\/span> du b\u00e9n\u00e9fice imposable.<\/li>\n<\/ul>\n<p>Le co\u00fbt varie selon les organismes et les secteurs d\u2019activit\u00e9, mais en g\u00e9n\u00e9ral on constate que la souscription \u00e0 ces contrats est rentabilis\u00e9e \u00e0 partir de 7 \u00e0 10 jours d\u2019absence par an par salari\u00e9.<\/p>\n<h4><strong>Qui contacter\u00a0?<\/strong><\/h4>\n<p>L\u2019organisme d\u00e9sign\u00e9 par votre convention collective ou l\u2019organisme aupr\u00e8s duquel votre entreprise a d\u00e9j\u00e0 souscrit un contrat.<\/p>\n<p>A noter que dans certains secteurs d\u2019activit\u00e9, comme la boulangerie, la souscription \u00e0 cette pr\u00e9voyance est rendue obligatoire par la convention collective.<\/p>\n<h4><strong>Exemple\u00a0:<\/strong><\/h4>\n<p>Un ouvrier du b\u00e2timent per\u00e7oit une r\u00e9mun\u00e9ration mensuelle de 1 600 euros. Il est absent pour maladie un mois. Le compl\u00e9ment de l\u2019entreprise sera de 720 euros, auxquels s\u2019ajouteront 324 euros de charges sociales (45%), soit un co\u00fbt de <span style=\"text-decoration: underline;\">1 044 euros<\/span>.<\/p>\n<p>Dans le secteur du b\u00e2timent, la garantie arr\u00eat de travail\u00a0 propos\u00e9e par le groupe Pro BTP\u00a0<span class=\"s1\">(groupe paritaire de protection sociale du BTP) co\u00fbte<\/span>\u00a01,75% de la r\u00e9mun\u00e9ration brute. Pour l\u2019employeur de notre exemple, elle repr\u00e9sente donc un co\u00fbt annuel de <span style=\"text-decoration: underline;\">337 euros<\/span> (1600 x 1,75% x 12).<\/p>\n<p class=\"p1\"><span class=\"s1\">Pour tout renseignement <\/span><span class=\"s2\">concernant cette garantie<\/span><span class=\"s1\">, notre service social se tient \u00e0 votre disposition. <\/span><span class=\"s3\">Vous pouvez aussi retrouver nos autres articles autour de ce sujet sur le blog de Valoxy :<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/arret-de-travail-complement-de-salaire-indemnites-journalieres\/\"><span class=\"s5\">Arr\u00eat de travail, compl\u00e9ment de salaire et indemnit\u00e9s journali\u00e8res<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><span class=\"s5\">La visite de reprise apr\u00e8s un arr\u00eat de travail<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/comment-etre-sur-de-la-realite-dun-arret-maladie\/\"><span class=\"s5\">Comment \u00eatre s\u00fbr de la r\u00e9alit\u00e9 d\u2019un arr\u00eat maladie ?<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/medecin-du-travail\/\"><span class=\"s5\">Le m\u00e9decin du travail<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019automne est l\u00e0, le froid arrive \u00e0 grand pas et il pleut des arr\u00eats de travail ! Avec le froid, les virus sont de retour\u2026 et peuvent co\u00fbter cher aux entreprises qui croulent sous les arr\u00eats de travail\u00a0! En effet,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu&#039;est ce que la garantie arr\u00eat de travail ? | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"La garantie arr\u00eat de travail propose \u00e0 l\u2019employeur le maintien d&#039;une partie de la r\u00e9mun\u00e9ration des absents contre une cotisation mensuelle\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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