{"id":1014,"date":"2021-02-24T22:40:06","date_gmt":"2021-02-24T21:40:06","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/incapacite-de-travail-physiologique-ou-economique\/"},"modified":"2021-05-19T16:34:23","modified_gmt":"2021-05-19T14:34:23","slug":"incapacite-de-travail-physiologique-ou-economique","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-chiffre-d-affaires\/Information\/incapacite-de-travail-physiologique-ou-economique\/","title":{"rendered":"Incapacit\u00e9 de travail physiologique ou \u00e9conomique?"},"content":{"rendered":"<p>Pour d\u00e9terminer le degr\u00e9 d&rsquo;invalidit\u00e9, une distinction doit \u00eatre faite entre l\u2019invalidit\u00e9 physiologique et l\u2019invalidit\u00e9 \u00e9conomique.<\/p>\n<p><strong>L\u2019invalidit\u00e9 physiologique fait r\u00e9f\u00e9rence \u00e0 la r\u00e9duction de l\u2019int\u00e9grit\u00e9 physique. <\/strong>La d\u00e9termination effective du degr\u00e9 d&rsquo;invalidit\u00e9 est effectu\u00e9e par un m\u00e9decin, sur la base du tableau\/\u00e9chelle officiel belge pour d\u00e9terminer le degr\u00e9 d&rsquo;invalidit\u00e9. Ici, on tient compte de la nature de la profession de la victime.<\/p>\n<p>L\u2019invalidit\u00e9 \u00e9conomique est la r\u00e9duction de la capacit\u00e9 de travail de la victime, justement \u00e0 cause de l\u2019invalidit\u00e9 physiologique. Ici, on tient compte de la capacit\u00e9 physique de l&rsquo;assur\u00e9 pour une activit\u00e9 professionnelle compatible avec ses connaissances, ses capacit\u00e9s et sa position sociale. On ne tient donc pas compte d&rsquo;autres crit\u00e8res \u00e9conomiques, tels que le cycle \u00e9conomique. Pour d\u00e9terminer l\u2019invalidit\u00e9 \u00e9conomique, il existe une plus grande marge d&rsquo;interpr\u00e9tation, car il n&rsquo;y a pas de tableau\/d&rsquo;\u00e9chelle fixe pour cela.<\/p>\n<p><strong>Il peut y avoir une grande diff\u00e9rence entre le degr\u00e9 de l\u2019invalidit\u00e9 physiologique et celui de l\u2019invalidit\u00e9 \u00e9conomique.<\/strong> Prenons l&rsquo;exemple d&rsquo;un pianiste professionnel qui perd deux doigts. Son invalidit\u00e9 physiologique peut \u00eatre assez limit\u00e9, mais son invalidit\u00e9 \u00e9conomique peut \u00eatre de 100%.<\/p>\n<p>L&rsquo;assureur tiendra compte du taux d\u2019invalidit\u00e9 le plus \u00e9lev\u00e9 des deux lors de la d\u00e9termination de la prestation de maladie. Du moins, \u00e0 condition que l\u2019un d\u2019eux soit au moins \u00e0 25%.<\/p>\n<p><strong>Il y a toutefois une exception \u00e0 cette derni\u00e8re r\u00e8gle: <\/strong>si vous co-assurez explicitement l&rsquo;incapacit\u00e9 physiologique de travail. Chez un certain nombre d&rsquo;assureurs, c&rsquo;est une option avec une prime suppl\u00e9mentaire de 10 \u00e0 15%. Si, par exemple, vous perdez les deux pieds en tant que consultant ou expert intellectuel, vous \u00eates assur\u00e9 \u00e0 100% selon<a href=\"http:\/\/www.ejustice.just.fgov.be\/cgi_loi\/loi_a1.pl?sql=(text%20contains%20(%27%27))&amp;language=fr&amp;rech=1&amp;tri=dd%20AS%20RANK&amp;value=&amp;table_name=loi&amp;F=&amp;cn=2006020831&amp;caller=image_a1&amp;fromtab=loi&amp;la=F\" target=\"_blank\" rel=\"noopener\"> l&rsquo;\u00e9chelle belge<\/a>. Et ainsi, vous recevrez \u00e9galement une prestation de maladie compl\u00e8te, m\u00eame si vous n&rsquo;\u00eates peut-\u00eatre pas \u00e9conomiquement (ou totalement) incapable \u00e0 travailler (lire: incapable de gagner un revenu).<\/p>\n<p><a href=\"https:\/\/mysavings.be\/fr\/contact\/\">Un homme ou une femme averti en vaut 2. Demander plus d&rsquo;informations.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il peut y avoir une grande diff\u00e9rence entre le degr\u00e9 de l\u2019invalidit\u00e9 physiologique et celui de l\u2019invalidit\u00e9 \u00e9conomique. Prenons l&rsquo;exemple d&rsquo;un pianiste professionnel qui perd deux doigts. Son invalidit\u00e9 physiologique peut \u00eatre assez limit\u00e9, mais son invalidit\u00e9 \u00e9conomique peut \u00eatre de 100%.<\/p>\n","protected":false},"featured_media":0,"parent":673,"menu_order":7,"template":"","class_list":["post-1014","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Incapacit\u00e9 de travail physiologique ou \u00e9conomique l MySavings<\/title>\n<meta name=\"description\" content=\"Pour d\u00e9terminer le degr\u00e9 d\u2019invalidit\u00e9, une distinction doit \u00eatre faite entre l\u2019invalidit\u00e9 physiologique et l\u2019invalidit\u00e9 \u00e9conomique.\" \/>\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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