{"id":4997,"date":"2024-02-22T05:39:47","date_gmt":"2024-02-22T04:39:47","guid":{"rendered":"https:\/\/rouzade.com\/?p=4997"},"modified":"2024-05-06T11:14:11","modified_gmt":"2024-05-06T09:14:11","slug":"finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/","title":{"rendered":"Protection financi\u00e8re en cas d&#039;invalidit\u00e9 temporaire et permanente et de perte du soutien de famille"},"content":{"rendered":"<p>Avizen Pro s&#039;adresse aux travailleurs ind\u00e9pendants qui souhaitent se pr\u00e9munir des cons\u00e9quences financi\u00e8res d&#039;un d\u00e9c\u00e8s, d&#039;une invalidit\u00e9 et\/ou d&#039;une incapacit\u00e9 entra\u00eenant un arr\u00eat de travail, en versant un capital, une indemnit\u00e9 ou une indemnit\u00e9 journali\u00e8re d&#039;arr\u00eat de travail en fonction du risque r\u00e9alis\u00e9.<\/p>\n<p>Vous pouvez souscrire \u00e0 l\u2019assurance d\u00e9c\u00e8s entre 18 et 70 ans. L&#039;assurance en cas d&#039;incapacit\u00e9 temporaire ou d&#039;invalidit\u00e9 peut \u00eatre souscrite entre 18 et 65 ans, sous r\u00e9serve d&#039;activit\u00e9 professionnelle.<\/p>\n<p>Le produit Avizen Pro est une adh\u00e9sion annuelle renouvelable par tacite reconduction. L&#039;adh\u00e9sion n&#039;est pas requise. Ce produit propose des solutions donnant droit au cr\u00e9dit d&#039;imp\u00f4t Madelin.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a7%d1%82%d0%be_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\" >Qu&#039;est-ce qui est assur\u00e9 ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%94%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d1%8b%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8\" >Garanties suppl\u00e9mentaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a3%d1%81%d0%bb%d1%83%d0%b3%d0%b8_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\" >Services d&#039;aide\u00a0:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a7%d1%82%d0%be_%d0%bd%d0%b5_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\" >Qu&#039;est-ce qui n&#039;est pas assur\u00e9 ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a1%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d1%83%d1%8e%d1%82_%d0%bb%d0%b8_%d0%ba%d0%b0%d0%ba%d0%b8%d0%b5-%d0%bb%d0%b8%d0%b1%d0%be_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b8%d0%b7_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%bf%d0%be%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d1%8f\" >Y a-t-il des exclusions \u00e0 la couverture d\u2019assurance ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%94%d0%bb%d1%8f_%d0%b2%d1%81%d0%b5%d1%85_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b9_%d0%b7%d0%b0_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d0%b5%d0%bc_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\" >Pour toutes les garanties (hors assistance) :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a1%d0%bc%d0%b5%d1%80%d1%82%d1%8cipt_%d0%bb%d1%8e%d0%b1%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d1%87%d0%b8%d0%bd%d1%8b_%d0%b2%d0%ba%d0%bb%d1%8e%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d1%8b%d0%b9_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9\" >D\u00e9c\u00e8s\/TPI toute cause, y compris accident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8ipt_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b2_%d1%80%d0%b5%d0%b7%d1%83%d0%bb%d1%8c%d1%82%d0%b0%d1%82%d0%b5_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d0%be%d0%b3%d0%be_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\" >En cas de d\u00e9c\u00e8s\/garanties IPT pour cause d&#039;accident, d&#039;incapacit\u00e9 et d&#039;invalidit\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%be%d0%b3%d1%80%d0%b0%d0%bd%d0%b8%d1%87%d0%b5%d0%bd%d0%b8%d1%8f\" >Restrictions de base<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d1%8f%d1%85_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\" >Sur les garanties d&#039;incapacit\u00e9 et d&#039;invalidit\u00e9<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%93%d0%b4%d0%b5_%d1%8f_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd\" >O\u00f9 suis-je assur\u00e9 ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b3%d0%be\" >Responsabilit\u00e9s de l&#039;assur\u00e9<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9f%d1%80%d0%b8_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d0%bd%d0%b8%d0%b8_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\" >Lors de la signature d&#039;un contrat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\" >Pendant le contrat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d0%bd%d0%b0%d1%81%d1%82%d1%83%d0%bf%d0%bb%d0%b5%d0%bd%d0%b8%d1%8f_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\" >En cas de risques<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%b8_%d0%ba%d0%b0%d0%ba_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%be%d0%b4%d0%b8%d1%82%d1%8c_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6%d0%b8\" >Quand et comment effectuer les paiements ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%bd%d0%b0%d1%87%d0%b8%d0%bd%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d0%b8_%d0%ba%d0%be%d0%b3%d0%b4%d0%b0_%d0%b7%d0%b0%d0%ba%d0%b0%d0%bd%d1%87%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b0\" >Quand commence et prend fin l\u2019assurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b3%d0%bd%d1%83%d1%82%d1%8c_%d1%81%d0%b2%d0%be%d0%b9_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\" >Comment r\u00e9silier votre contrat ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\"><\/span>Qu&#039;est-ce qui est assur\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lors de la souscription d\u2019un contrat d\u2019assurance, vous b\u00e9n\u00e9ficiez des garanties suivantes :<\/p>\n<p>En cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9 permanente totale (IPT), au moins une des trois garanties suivantes est pr\u00e9vue :<\/p>\n<ul>\n<li>Versement du capital aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s en cas de d\u00e9c\u00e8s ou en cas d&#039;IPT \u00e0 l&#039;assur\u00e9 (toute cause y compris accident).<\/li>\n<li>Versement d&#039;une rente aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s en cas de d\u00e9c\u00e8s ou en cas d&#039;IPT \u00e0 l&#039;assur\u00e9 (quel que soit le motif).<\/li>\n<li>Paiement de l&#039;allocation scolaire aux enfants b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s ou, dans le cas de l&#039;IPT, \u00e0 l&#039;assur\u00e9 (pour quelque raison que ce soit).<\/li>\n<\/ul>\n<p>En cas de d\u00e9c\u00e8s ou d&#039;IPT, l&#039;adh\u00e9sion prend fin.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%94%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d1%8b%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8\"><\/span><span style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;\">Garanties suppl\u00e9mentaires<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;\">Ces garanties peuvent \u00eatre obtenues en compl\u00e9ment d&#039;une ou plusieurs des garanties d\u00e9c\u00e8s et IPT.<\/span><\/p>\n<p>En cas d&#039;invalidit\u00e9 entra\u00eenant un arr\u00eat de travail, le produit d&#039;assurance pr\u00e9voit :<\/p>\n<ul>\n<li>Paiement des cong\u00e9s de maladie (pour quelque raison que ce soit, y compris accident).<\/li>\n<li>Versement d\u2019une indemnit\u00e9 pour frais professionnels (quel que soit le motif).<\/li>\n<li>Exon\u00e9ration de cotisations.<\/li>\n<\/ul>\n<p>Les prestations d\u00e9butent apr\u00e8s la p\u00e9riode de franchise pr\u00e9cis\u00e9e dans votre contrat d\u2019assurance et prennent fin \u00e0 la premi\u00e8re des dates suivantes :<\/p>\n<ul>\n<li>le jour de la reprise compl\u00e8te des activit\u00e9s professionnelles,<\/li>\n<li>le jour de la constatation de l&#039;invalidit\u00e9 permanente, \u00e0 l&#039;issue de la p\u00e9riode d&#039;indemnisation stipul\u00e9e.<\/li>\n<li>\u00e0 la fin de l&#039;ann\u00e9e d&#039;assurance au cours de laquelle l&#039;assur\u00e9 atteint l&#039;\u00e2ge de 67 ans.<\/li>\n<li>le jour de la liquidation des droits au titre du r\u00e9gime de retraite obligatoire auquel appartient l&#039;assur\u00e9.<\/li>\n<\/ul>\n<p>En cas d&#039;invalidit\u00e9, sont pr\u00e9vus :<\/p>\n<ul>\n<li>Paiement du capital (pour quelque raison que ce soit, y compris accident).<\/li>\n<li>Paiement de la rente (pour quelque raison que ce soit, y compris accident).<\/li>\n<li>Exon\u00e9ration de cotisations.<\/li>\n<\/ul>\n<p>Les prestations commencent lorsque vous atteignez le niveau d\u2019invalidit\u00e9 sp\u00e9cifi\u00e9 dans votre police et se terminent \u00e0 la premi\u00e8re des deux dates suivantes\u00a0:<\/p>\n<ul>\n<li>lors de la liquidation des droits d&#039;un r\u00e9gime de retraite obligatoire auquel l&#039;assur\u00e9 est affili\u00e9 par profession,<\/li>\n<li>ou \u00e0 la fin de l&#039;ann\u00e9e d&#039;assurance au cours de laquelle il atteint l&#039;\u00e2ge de 67 ans.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3106\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2.jpg\" alt=\"\u0432\u043e\u0437\u0432\u0440\u0430\u0442 \u0434\u0435\u043d\u0435\u0433\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a3%d1%81%d0%bb%d1%83%d0%b3%d0%b8_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\"><\/span>Services d&#039;aide\u00a0:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les services d&#039;assistants sont inclus dans le contrat. Ces services comprennent des informations juridiques, une aide au retour \u00e0 la vie professionnelle et une garde d&#039;enfants.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bd%d0%b5_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\"><\/span>Qu&#039;est-ce qui n&#039;est pas assur\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Pertes d&#039;exploitation.<\/li>\n<li>Frais de soins.<\/li>\n<li>Protection juridique professionnelle.<\/li>\n<li>Responsabilit\u00e9 civile professionnelle.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d1%83%d1%8e%d1%82_%d0%bb%d0%b8_%d0%ba%d0%b0%d0%ba%d0%b8%d0%b5-%d0%bb%d0%b8%d0%b1%d0%be_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b8%d0%b7_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%bf%d0%be%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d1%8f\"><\/span>Y a-t-il des exclusions \u00e0 la couverture d\u2019assurance ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les principales exceptions sont les suivantes :<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%94%d0%bb%d1%8f_%d0%b2%d1%81%d0%b5%d1%85_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b9_%d0%b7%d0%b0_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d0%b5%d0%bc_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\"><\/span>Pour toutes les garanties (hors assistance) :<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Guerre.<\/li>\n<li>Activit\u00e9s, sports et loisirs \u00e0 risque, sports de comp\u00e9tition et<br \/>\nsport professionnel.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d0%bc%d0%b5%d1%80%d1%82%d1%8cipt_%d0%bb%d1%8e%d0%b1%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d1%87%d0%b8%d0%bd%d1%8b_%d0%b2%d0%ba%d0%bb%d1%8e%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d1%8b%d0%b9_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9\"><\/span>D\u00e9c\u00e8s\/TPI toute cause, y compris accident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>B\u00e9n\u00e9ficiaires ayant volontairement ou intentionnellement caus\u00e9 un pr\u00e9judice \u00e0 l\u2019assur\u00e9.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8ipt_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b2_%d1%80%d0%b5%d0%b7%d1%83%d0%bb%d1%8c%d1%82%d0%b0%d1%82%d0%b5_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d0%be%d0%b3%d0%be_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\"><\/span>En cas de d\u00e9c\u00e8s\/garanties IPT pour cause d&#039;accident, d&#039;incapacit\u00e9 et d&#039;invalidit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Cons\u00e9quences d&#039;un accident (avec toutes les garanties), d&#039;une maladie ou d&#039;une malformation cong\u00e9nitale (incapacit\u00e9 et invalidit\u00e9) avant la signature du contrat.<\/li>\n<li>Cons\u00e9quences de la consommation de drogues, d\u2019alcool et de produits m\u00e9dicaux sans ordonnance.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9e%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%be%d0%b3%d1%80%d0%b0%d0%bd%d0%b8%d1%87%d0%b5%d0%bd%d0%b8%d1%8f\"><\/span>Restrictions de base<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pour toutes les garanties d\u00e9c\u00e8s toutes causes\/IPT : Le suicide et la tentative de suicide sont exclus pendant la premi\u00e8re ann\u00e9e de couverture.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9e_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d1%8f%d1%85_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\"><\/span>Sur les garanties d&#039;incapacit\u00e9 et d&#039;invalidit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>En cas de maladie, un d\u00e9lai de carence de 90 jours \u00e0 compter de la date d&#039;effet de la police d&#039;assurance s&#039;applique. Ce d\u00e9lai est port\u00e9 \u00e0 365 jours en cas d&#039;\u00e9tats d\u00e9pressifs, d&#039;\u00e9tats psychologiques ou n\u00e9vrotiques ou de maladie mentale.<\/p>\n<ul>\n<li>Application d&#039;une dur\u00e9e maximale d&#039;indemnisation de 365 jours pour certaines affections, notamment les maladies psychiatriques et vert\u00e9brog\u00e8nes.<\/li>\n<li>Application d&#039;une franchise minimale de 30 jours pour certains sports et activit\u00e9s \u00e0 risques, notamment le football et le rugby.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%93%d0%b4%d0%b5_%d1%8f_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd\"><\/span>O\u00f9 suis-je assur\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les garanties s&#039;appliquent dans le monde entier. Les prestations d&#039;assistance ne sont assur\u00e9es qu&#039;en France m\u00e9tropolitaine, d\u00e9partements et r\u00e9gions d&#039;outre-mer.<\/p>\n<p>Tout voyage professionnel ou personnel dans des pays sensibles doit \u00eatre signal\u00e9 \u00e0 votre assureur.<\/p>\n<p>Si l&#039;invalidit\u00e9 totale temporaire cons\u00e9cutive \u00e0 un accident est survenue hors de France, le point de d\u00e9part de la garantie est la date du premier diagnostic m\u00e9dical en France.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3054\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija.jpg\" alt=\"\u0431\u0438\u0437\u043d\u0435\u0441 \u0432\u043e \u0444\u0440\u0430\u043d\u0446\u0438\u0438\" width=\"626\" height=\"524\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-501x420.jpg 501w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b3%d0%be\"><\/span>Responsabilit\u00e9s de l&#039;assur\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le non-respect des obligations pourra notamment entra\u00eener la nullit\u00e9 du contrat, le refus ou la suspension de la garantie.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%b8_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d0%bd%d0%b8%d0%b8_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\"><\/span>Lors de la signature d&#039;un contrat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Fournissez une copie de votre pi\u00e8ce d\u2019identit\u00e9, ainsi que toutes les pi\u00e8ces justificatives demand\u00e9es par l\u2019assureur.<\/li>\n<li>R\u00e9pondez aux questions pos\u00e9es en fournissant des informations compl\u00e8tes et pr\u00e9cises sur vos donn\u00e9es personnelles.<\/li>\n<li>Respecter les formalit\u00e9s m\u00e9dicales n\u00e9cessaires et r\u00e9pondre avec pr\u00e9cision aux questions pos\u00e9es par l&#039;assureur, notamment dans la demande de souscription et le questionnaire de sant\u00e9, ainsi que les autres documents que vous pourriez \u00eatre amen\u00e9s \u00e0 remplir.<\/li>\n<li>D\u00e9signez un ou plusieurs b\u00e9n\u00e9ficiaires.<\/li>\n<li>Effectuez le d\u00e9p\u00f4t indiqu\u00e9 sur votre certificat d&#039;adh\u00e9sion.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\"><\/span>Pendant le contrat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Payer les cotisations.<\/li>\n<li>Communiquer tout changement concernant les informations n\u00e9cessaires \u00e0 la bonne gestion du contrat (coordonn\u00e9es, RIB).<\/li>\n<li>Informer l&#039;assureur des changements survenant dans sa situation, notamment dans sa situation professionnelle.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d0%bd%d0%b0%d1%81%d1%82%d1%83%d0%bf%d0%bb%d0%b5%d0%bd%d0%b8%d1%8f_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\"><\/span>En cas de risques<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Fournir tout document demand\u00e9 par l&#039;assureur, permettant d&#039;\u00e9tablir un dossier.<\/li>\n<li>Contactez le service client (les assur\u00e9s ou leurs proches) avant d&#039;effectuer toute prestation pour obtenir l&#039;accord et votre num\u00e9ro de dossier.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%b8_%d0%ba%d0%b0%d0%ba_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%be%d0%b4%d0%b8%d1%82%d1%8c_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6%d0%b8\"><\/span>Quand et comment effectuer les paiements ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous pouvez r\u00e9gler vos frais par virement bancaire ou par ch\u00e8que.<\/p>\n<p>Les cotisations sont payables dans les 10 jours suivant les dates d&#039;\u00e9ch\u00e9ance pr\u00e9cis\u00e9es selon la p\u00e9riodicit\u00e9 pr\u00e9cis\u00e9e au certificat d&#039;adh\u00e9sion (mensuelle, trimestrielle, semestrielle ou annuelle).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%bd%d0%b0%d1%87%d0%b8%d0%bd%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d0%b8_%d0%ba%d0%be%d0%b3%d0%b4%d0%b0_%d0%b7%d0%b0%d0%ba%d0%b0%d0%bd%d1%87%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b0\"><\/span>Quand commence et prend fin l\u2019assurance ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Les garanties d\u00e9butent \u00e0 la date d&#039;entr\u00e9e en vigueur pr\u00e9cis\u00e9e au contrat d&#039;assurance et apr\u00e8s l&#039;expiration du d\u00e9lai de carence, le cas \u00e9ch\u00e9ant, sous r\u00e9serve du paiement effectif de la premi\u00e8re prime et de la prise en charge du risque par l&#039;assureur.<\/li>\n<li>L\u2019assurance prend fin \u00e0 la date anniversaire de la r\u00e9siliation et au plus tard \u00e0 la fin de l\u2019ann\u00e9e d\u2019assurance au cours de laquelle l\u2019assur\u00e9 atteint l\u2019\u00e2ge d\u2019assurance pour chaque couverture.<\/li>\n<li>Les prestations de d\u00e9c\u00e8s prennent fin au plus tard \u00e0 85 ans.<\/li>\n<li>La garantie en cas d&#039;invalidit\u00e9 prend fin \u00e0 la premi\u00e8re des deux dates suivantes : \u00e0 la liquidation des droits \u00e0 la retraite, selon sa profession, ou \u00e0 la fin de l&#039;ann\u00e9e d&#039;assurance au cours de laquelle il atteint 67 ans.<\/li>\n<li>L&#039;adh\u00e9sion prend fin en cas de non-paiement des cotisations.<\/li>\n<\/ul>\n<p>La couverture d\u2019invalidit\u00e9 en cas d\u2019arr\u00eat de travail prendra fin \u00e0 la premi\u00e8re des dates suivantes :<\/p>\n<ul>\n<li>le jour de la reprise compl\u00e8te des activit\u00e9s professionnelles,<\/li>\n<li>le jour de la constatation de l&#039;invalidit\u00e9 permanente,<\/li>\n<li>\u00e0 l&#039;issue de la p\u00e9riode d&#039;indemnisation pr\u00e9vue,<\/li>\n<li>\u00e0 la fin de l&#039;ann\u00e9e d&#039;assurance au cours de laquelle l&#039;assur\u00e9 atteint l&#039;\u00e2ge de 67 ans,<\/li>\n<li>le jour de la liquidation des droits du r\u00e9gime de retraite auquel appartient l&#039;assur\u00e9.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b3%d0%bd%d1%83%d1%82%d1%8c_%d1%81%d0%b2%d0%be%d0%b9_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\"><\/span>Comment r\u00e9silier votre contrat ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous pouvez r\u00e9silier votre adh\u00e9sion par tous les moyens pr\u00e9vus \u00e0 l&#039;article L113-14 du Code des assurances, et notamment par courrier simple ou tout support fiable moyennant un pr\u00e9avis de deux mois avant l&#039;expiration de la date anniversaire de votre adh\u00e9sion.<br \/>\nD\u00e8s r\u00e9ception de la notification, une confirmation \u00e9crite vous sera envoy\u00e9e indiquant la date effective de la r\u00e9siliation.<\/p>","protected":false},"excerpt":{"rendered":"<p>Avizen Pro est un produit d&#039;assurance sp\u00e9cialement con\u00e7u pour les travailleurs ind\u00e9pendants, offrant une protection financi\u00e8re fiable contre les cons\u00e9quences du d\u00e9c\u00e8s, de l&#039;invalidit\u00e9 et\/ou de l&#039;incapacit\u00e9 temporaire. <\/p>","protected":false},"author":1,"featured_media":5223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-4997","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 - \u043e\u043f\u0435\u043a\u0430 \u0432 \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u0445<\/title>\n<meta name=\"description\" content=\"\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0434\u0443\u043a\u0442 \u0434\u043b\u044f \u0441\u0430\u043c\u043e\u0437\u0430\u043d\u044f\u0442\u044b\u0445 , \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0438\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0437\u0430\u0449\u0438\u0442\u0443 \u043e\u0442 \u0441\u043c\u0435\u0440\u0442\u0438, \u0438\u043d\u0432\u0430\u043b\u0438\u0434\u043d\u043e\u0441\u0442\u0438 \u0438 \u043d\u0435\u0442\u0440\u0443\u0434\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043e \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f\u0445 \u0438 \u0443\u0441\u043b\u0443\u0433\u0430\u0445 \u043f\u043e\u043c\u043e\u0449\u0438.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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\u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f\u0445 \u0438 \u0443\u0441\u043b\u0443\u0433\u0430\u0445 \u043f\u043e\u043c\u043e\u0449\u0438.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/","og_locale":"fr_FR","og_type":"article","og_title":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 - \u043e\u043f\u0435\u043a\u0430 \u0432 \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u0445","og_description":"\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0434\u0443\u043a\u0442 \u0434\u043b\u044f \u0441\u0430\u043c\u043e\u0437\u0430\u043d\u044f\u0442\u044b\u0445 , \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0438\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0437\u0430\u0449\u0438\u0442\u0443 \u043e\u0442 \u0441\u043c\u0435\u0440\u0442\u0438, \u0438\u043d\u0432\u0430\u043b\u0438\u0434\u043d\u043e\u0441\u0442\u0438 \u0438 \u043d\u0435\u0442\u0440\u0443\u0434\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043e \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f\u0445 \u0438 \u0443\u0441\u043b\u0443\u0433\u0430\u0445 \u043f\u043e\u043c\u043e\u0449\u0438.","og_url":"https:\/\/rouzade.com\/fr\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/","article_publisher":"https:\/\/www.facebook.com\/OlgaRouzade","article_author":"https:\/\/www.facebook.com\/OlgaRouzade","article_published_time":"2024-02-22T04:39:47+00:00","article_modified_time":"2024-05-06T09:14:11+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/rouzade.com\/wp-content\/uploads\/2023\/12\/photo_2024-02-22_06-38-35.jpg","type":"image\/jpeg"}],"author":"Olga Rouzade","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/olgarouzade","twitter_site":"@olgarouzade","twitter_misc":{"\u00c9crit par":"Olga Rouzade","Dur\u00e9e de lecture estim\u00e9e":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/rouzade.com\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#article","isPartOf":{"@id":"https:\/\/rouzade.com\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/"},"author":{"name":"Olga Rouzade","@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142"},"headline":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 \u043d\u0430 \u0441\u043b\u0443\u0447\u0430\u0439 \u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e\u0439 \u0438 \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e\u0439 \u043d\u0435\u0442\u0440\u0443\u0434\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u0438 \u043f\u043e\u0442\u0435\u0440\u0438 \u043a\u043e\u0440\u043c\u0438\u043b\u044c\u0446\u0430","datePublished":"2024-02-22T04:39:47+00:00","dateModified":"2024-05-06T09:14:11+00:00","mainEntityOfPage":{"@id":"https:\/\/rouzade.com\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/"},"wordCount":1020,"commentCount":0,"publisher":{"@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142"},"image":{"@id":"https:\/\/rouzade.com\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#primaryimage"},"thumbnailUrl":"https:\/\/rouzade.com\/wp-content\/uploads\/2023\/12\/photo_2024-02-22_06-38-35.jpg","keywords":["\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0441\u043e\u0432\u0435\u0442\u044b \u0432\u043e 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