{"id":7679,"date":"2018-09-26T10:46:31","date_gmt":"2018-09-26T10:46:31","guid":{"rendered":"http:\/\/www.rothgygax.ch\/?p=7679\/"},"modified":"2018-08-16T08:17:09","modified_gmt":"2018-08-16T08:17:09","slug":"assurer-les-dividendes-en-cas-de-maladie-et-daccident","status":"publish","type":"post","link":"https:\/\/www.rothgygax.ch\/fr\/assurer-les-dividendes-en-cas-de-maladie-et-daccident\/","title":{"rendered":"Assurer les dividendes en cas de maladie et d\u2019accident"},"content":{"rendered":"

De nombreux m\u00e9decins de cabinets organis\u00e9s sous forme de soci\u00e9t\u00e9 anonyme per\u00e7oivent une partie de leur salaire sous forme de dividendes pour des raisons fiscales. Il se pose alors la question de savoir si cette partie du revenu est \u00e9galement assur\u00e9e contre l\u2019incapacit\u00e9 de travail.<\/p>\n

Le r\u00e9gime de pr\u00e9voyance des entreprises inclut l\u2019assurance accidents obligatoire (LAA), une indemnit\u00e9 journali\u00e8re en cas de maladie (IJM) et la pr\u00e9voyance professionnelle (LPP). La base ici est le salaire annuel soumis \u00e0 l\u2019assurance vieillesse et survivants dont la portion per\u00e7ue en dividende n\u2019est pas assur\u00e9e. Le dividende peut toutefois \u00eatre assur\u00e9 \u00e0 concurrence d\u2019un certain montant dans des institutions de pr\u00e9voyance priv\u00e9es par le biais d\u2019une indemnit\u00e9 journali\u00e8re individuelle ou d\u2019une rente d\u2019incapacit\u00e9 de travail. Ici, il faut absolument veiller \u00e0 ce que cette couverture soit souscrite sous forme d\u2019assurance de montant, sinon les prestations \u00e0 hauteur du montant du salaire soumis \u00e0 l\u2019AVS peuvent \u00eatre restreintes en cas de sinistre.<\/p>\n

Avec nos partenaires, nous disposons par exemple de solutions ad\u00e9quates permettant des prestations annuelles allant jusqu\u2019\u00e0 288’000.- CHF (perte de revenu \u00e0 court terme) ou 126’000.- CHF (incapacit\u00e9 de travail \u00e0 long terme) en plus du r\u00e9gime de pr\u00e9voyance de l\u2019entreprise. Nous vous montrons volontiers toutes les possibilit\u00e9s et vous proposons un devis sans engagement.<\/p>\n","protected":false},"excerpt":{"rendered":"

De nombreux m\u00e9decins de cabinets organis\u00e9s sous forme de soci\u00e9t\u00e9 anonyme per\u00e7oivent une partie de leur salaire sous forme de dividendes pour des raisons fiscales. Il se pose alors la…<\/p>\n","protected":false},"author":3,"featured_media":7653,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[111,124,128],"tags":[],"class_list":["post-7679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-fr","category-indemnite-journaliere","category-prevoyance"],"acf":[],"yoast_head":"\nAssurer les dividendes en cas de maladie et d\u2019accident - rothgygax<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rothgygax.ch\/fr\/assurer-les-dividendes-en-cas-de-maladie-et-daccident\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurer les dividendes en cas de maladie et d\u2019accident\" \/>\n<meta property=\"og:description\" content=\"De nombreux m\u00e9decins de cabinets organis\u00e9s sous forme de soci\u00e9t\u00e9 anonyme per\u00e7oivent une partie de leur salaire sous forme de dividendes pour des raisons fiscales. 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