{"id":943,"date":"2021-02-24T22:39:46","date_gmt":"2021-02-24T21:39:46","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/differentes-sortes-d-incapacite-de-travail\/"},"modified":"2021-04-01T10:45:04","modified_gmt":"2021-04-01T08:45:04","slug":"differentes-sortes-d-incapacite-de-travail","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/revenu-garanti\/Information\/differentes-sortes-d-incapacite-de-travail\/","title":{"rendered":"Diff\u00e9rentes sortes d&rsquo;incapacit\u00e9 de travail"},"content":{"rendered":"<p>La couverture revenu garanti vous octroie une <strong>rente<\/strong> bas\u00e9e sur l&rsquo;incapacit\u00e9 physiologique ou \u00e9conomique.<\/p>\n<ul>\n<li>Une <strong>incapacit\u00e9 physiologique<\/strong> est bas\u00e9e uniquement sur l&rsquo;incapacit\u00e9 physique de l&rsquo;assur\u00e9<\/li>\n<li>L<strong>&lsquo;incapacit\u00e9 \u00e9conomique<\/strong> tient compte de l&rsquo;impact de votre invalidit\u00e9 sur votre travail. Par exemple, la perte d&rsquo;un doigt est dramatique pour un pianiste, moins pour une t\u00e9l\u00e9phoniste. Cependant, il faudra tenir compte des possibilit\u00e9s de r\u00e9orientation professionnelle.<\/li>\n<\/ul>\n<p>Une diff\u00e9rence est \u00e9galement \u00e0 faire entre une incapacit\u00e9<strong> temporaire <\/strong>et une incapacit\u00e9 <strong>permanente<\/strong>.<\/p>\n<p>De plus, le fait que vous soyez <strong>totalement ou partiellement incapable<\/strong> va jouer sur le montant de la rente. 50% d&rsquo;incapacit\u00e9 signifie l&rsquo;octroi d&rsquo;une rente \u00e0 50%.<\/p>\n<p>Enfin, si l&rsquo;incapacit\u00e9 de travail se situe <strong>sous un certain seuil<\/strong> (souvent 25% d&rsquo;incapacit\u00e9), aucune rente ne vous sera octroy\u00e9e.<\/p>\n<p>Afin de d\u00e9terminer le degr\u00e9 d\u2019invalidit\u00e9, <strong>il est op\u00e9r\u00e9 une distinction entre l\u2019invalidit\u00e9 physiologique et l\u2019invalidit\u00e9 \u00e9conomique.<\/strong><\/p>\n<p>Le <strong>degr\u00e9 d\u2019invalidit\u00e9 physiologique <\/strong>est d\u00e9termin\u00e9 en fonction de la diminution de l\u2019int\u00e9grit\u00e9 physique de l\u2019assur\u00e9. Cette derni\u00e8re est d\u00e9cid\u00e9e par d\u00e9cision m\u00e9dicale et constat\u00e9e sur la base du Bar\u00e8me Officiel Belge des Invalidit\u00e9s et du Bar\u00e8me Europ\u00e9en d\u2019\u00e9valuation des atteintes \u00e0 l\u2019int\u00e9grit\u00e9 physique et psychique.<\/p>\n<p>Important : il n\u2019est donc pas tenu compte de la nature de la profession qu\u2019exerce la victime.<\/p>\n<p><strong>L\u2019invalidit\u00e9 \u00e9conomique ou l\u2019incapacit\u00e9 de travail<\/strong> est la diminution de la capacit\u00e9 de travail de l\u2019assur\u00e9 et est d\u00e9termin\u00e9e en fonction de la diminution temporaire ou permanente, constat\u00e9e par d\u00e9cision m\u00e9dicale, de la capacit\u00e9 physique ou psychique de l\u2019assur\u00e9, qui ne r\u00e9sulte pas d\u2019un risque exclu ou d\u2019une situation pr\u00e9existante non couverte. Lors de la d\u00e9terination du degr\u00e9 permanent,<strong> il est uniquement tenu compte de la capacit\u00e9 de l\u2019assur\u00e9 d\u2019exercer une activit\u00e9 professionnelle qui requiert ses connaissances, ses capacit\u00e9s professionnelles et son exp\u00e9rience.<\/strong> Il n\u2019est donc ici tenu compte d\u2019aucun autre crit\u00e8re \u00e9conomique, comme par exemple la conjoncture. La d\u00e9termination du degr\u00e9 d\u2019invalidit\u00e9 \u00e9conomique laisse place \u00e0 une large marge d\u2019appr\u00e9ciation, puisqu\u2019aucun crit\u00e8re objectif n\u2019existe \u00e0 cet effet.<\/p>\n<p>Il peut donc exister une grande diff\u00e9rence entre le degr\u00e9 d\u2019invalidit\u00e9 physiologique et celui de l\u2019invalidit\u00e9 \u00e9conomique. Prenons l\u2019exemple d\u2019un pianiste professionnel perdant l\u2019usage de deux de ses doigts. Alors que son incapacit\u00e9 physiologique semble \u00eatre assez limit\u00e9e, son invalidit\u00e9 \u00e9conomique peut, par contre, \u00eatre de 100%.<\/p>\n<p>Mais aussi : suite \u00e0 la perte d\u2019une main, beaucoup de professionnels gardent la possibilit\u00e9 de continuer \u00e0 partager leurs connaissances, \u00e0 d\u00e9velopper leurs capacit\u00e9s et \u00e0 pr\u00e9server leur statut social par l\u2019exercice de leur activit\u00e9 professionnelle.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La couverture revenu garanti vous octroie une rente bas\u00e9e sur l&rsquo;incapacit\u00e9 physiologique ou \u00e9conomique. Une incapacit\u00e9 physiologique est bas\u00e9e uniquement sur l&rsquo;incapacit\u00e9 physique de l&rsquo;assur\u00e9 L&lsquo;incapacit\u00e9 \u00e9conomique tient compte de l&rsquo;impact de votre invalidit\u00e9 sur votre travail. Par exemple, la perte d&rsquo;un doigt est dramatique pour un pianiste, moins pour une t\u00e9l\u00e9phoniste. Cependant, il faudra [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":676,"menu_order":9,"template":"","class_list":["post-943","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Revenu Garanti : Diff\u00e9rentes sortes d&#039;incapacit\u00e9 de travail | MySavings<\/title>\n<meta name=\"description\" content=\"Le revenu garanti vous octroie une rente bas\u00e9e sur l&#039;incapacit\u00e9 physiologique ou \u00e9conomique.\u00a0Prenez rendez-vous avec nos experts MySavings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/revenu-garanti\/Information\/differentes-sortes-d-incapacite-de-travail\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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