An employer did not insure his staff at any institution of contingency. What happens, if one of his employees becomes disabled?

The disabled person will still receive disability benefits according to the minima defined by the federal law on professional contingency funding (LPP). These benefits will be paid to him by the complementary institution and will be composed of a disability income and, if necessary, of a special income for his children.

As of the employer, he will have to pay the contribution for all his employees subject to the LPP, including the amount due from the day when the subscription should have been made. Moreover, he will have to pay delay interests and additional charges.

Last but not least, the administration will charge him a fine four times as expensive as the contributions due for his entire personnel, up to a maximum of the necessary reserve, and leaving his retirement fund untouched.

If this fine does not cover the reserve necessary for the disability benefits, the complementary institution will receive the difference from the LPP guarantee fund.