The Ministry of Labor has proposed introducing voluntary social contributions for the self-employed in case of disability

The entrepreneur is offered to choose insurance coverage of 35,000 or 50,000 and pay 1,344 rubles or 1,920 rubles per month. Interested parties must independently submit applications to the insurance agency at their place of residence.

The Ministry of Labor has proposed introducing voluntary social contributions for the self-employed from 2026, Vedomosti reports. Such an entrepreneur will have to choose insurance coverage (35,000 or 50,000 rubles) in case of loss of ability to work (illness, injury, caring for relatives) and pay 1,344 rubles or 1,920 rubles per month, depending on the amount. Interested parties must independently submit applications to the insurance agency at their place of residence.

The bill is planned to be introduced in October of this year. The experiment is to begin on January 1, 2026, which will last until the end of 2028 and coincide with the end of the special tax regime for self-employed persons, namely the tax on professional income (4%).

Business FM spoke to self-employed people about what they think about this.

"In fact, we can say that contributions from the self-employed have already been collected. That is, if you work as a self-employed taxi driver on the Yandex Taxi integration site, you will have the appropriate insurance directly on the integration site and a certain amount of money - several hundred rubles per month. Well, for those who do their job well and receive Platinum status, it is actually free. It provides payments if you are sick or for some reason cannot work. It varies from person to person depending on their income over the past three months. I corresponded on Telegram, asked around, but no one wants to pay voluntarily. Because many taxi drivers already consider this as another extortion. If the experiment is ineffective and you do not want to pay the contribution voluntarily, I think in this case it can be made mandatory. Self-employed people now have no pension, no insurance, or anything else. For example, working independently, and not through an aggregator, does not provide for disability or old age. "Of course, it would be good to think about raising taxes a little and getting pensions at the same time." "At least for me, the contribution is absolutely human. If you understand how to use it, you can try. The question is, how much does it cost to use this product? Where and what is this insurance used for? That is, if we assume that these contributions are collected and an insured event occurs, what do you physically need to do? You need guidance, and you need to understand what you physically need to do and whether you need to do it or not. Or maybe I just sat at home for a week and moved on. The insurance amount is 35,000 and 50,000 rubles. Probably for the Ryazan region, Stavropol Krai, this is wow, great. As in the case of "government services", it would be better to create a global digital system. This is the whole point of state insurance, and everyone must contribute a thousand, two, three, as much as they want. It is just a single national system. I do not see any problem with this at all. If it becomes mandatory, then there is absolutely nothing to worry about. Therefore, although the donation is voluntary, we will not use it. "I like this idea of ​​​​the experiment. Because social payments are an excellent protection for self-employed people. For example, I work every month, put aside 1.5-2 thousand conventional rubles, and in the new year I do not want to work for a whole month. Summer without days off and nothing. It turns out that all this money I saved will be returned to me, and they will also pay for a conventional vacation*. It will be interesting to see how this law develops, and I think that it can become mandatory if the tax rate for the self-employed is increased. But again, the question is: where will these taxes and this money go? They will go to a separate account with a pension. They will go to these social payments. How much will these social payments be and how can a self-employed freelancer or self-employed person manage them. I have many questions about this law.It will be very interesting to see how this law will develop further, how it will be explained to people and how it will work. Do the self-employed need such social support? I think so. However, I believe that it should no longer be mandatory, but voluntary. If a person wants, for example, he saves for retirement, as he does now. "Our association supports the proposal of the Ministry of Labor to introduce voluntary social contributions for the self-employed from 2026. The trial has not yet begun, but it already looks positive. Self-employed people are the largest economic players in many sectors of the economy and also deserve social protection. The contributions are voluntary and this is correct, since most of the self-employed are either part-time workers who are already working somewhere, or pensioners who have already paid all their contributions to the state budget. And the work of a self-employed person cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labour understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child."that it should no longer be mandatory, but voluntary. If a person wants, for example, he saves for retirement, as he does now. "Our association supports the proposal of the Ministry of Labor to introduce voluntary social contributions for the self-employed from 2026. The trial has not yet begun, but it already looks positive. Self-employed people are the largest economic players in many sectors of the economy and also deserve social protection. Contributions are voluntary and this is correct, since most self-employed people are either part-time workers who are already working somewhere, or pensioners who have already paid all their contributions to the state budget. And the work of a self-employed person cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child."that it should no longer be mandatory, but voluntary. If a person wants, for example, he saves for retirement, as he does now. "Our association supports the proposal of the Ministry of Labor to introduce voluntary social contributions for the self-employed from 2026. The trial has not yet begun, but it already looks positive. Self-employed people are the largest economic players in many sectors of the economy and also deserve social protection. Contributions are voluntary and this is correct, since most self-employed people are either part-time workers who are already working somewhere, or pensioners who have already paid all their contributions to the state budget. And the work of a self-employed person cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child."The contributions are voluntary, and that is correct, since most of the self-employed are either part-time workers who are already working somewhere, or pensioners who have already paid all their contributions to the state budget. And the work of a self-employed person cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I consider it important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary disability due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child."The contributions are voluntary, and that is correct, since most of the self-employed are either part-time workers who are already working somewhere, or pensioners who have already paid all their contributions to the state budget. And the work of a self-employed person cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I consider it important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary disability due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in case of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child."and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. “We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary disability due to the birth of a child.”and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. "I believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary incapacity for work due to the birth of a child." And the work of the self-employed cannot last forever. The Ministry of Labor understands this, and voluntary contributions will not be mandatory. These social support measures are important and are a constitutional right. Economically active citizens receive financial support in the event of illness. The experiment is clearly aimed at supporting the self-employed. The meaning is clear. If you work, you should be able to take sick leave and get the medicine you need. “We believe it is important to supplement the initiative with voluntary contributions for the self-employed to receive benefits for periods of temporary disability due to the birth of a child.”

The Ministry of Labor has been developing a model of voluntary social insurance for the self-employed since 2022. The planned contribution rates have remained the same, but the payment amounts have increased.

* Currently, all self-employed people receive a pension, although it can be increased to the minimum amount, which can be done through voluntary contributions. The social contribution proposed by the Ministry of Labor does not apply to vacation pay, and so far only applies to sick leave payments.

Source: BFM.ru - деловой портал