Duma Backs First-Reading Bill to Pilot Sick-Pay Insurance for Self-Employed

Overview

• The government bill authorizes a three-year experiment from January 1, 2026, to December 31, 2028, for taxpayers under the Professional Income Tax regime.
• Participants can choose a covered monthly amount of 35,000 or 50,000 rubles, with fixed contributions of 1,344 or 1,920 rubles at a 3.84% rate.
• Benefit eligibility begins after six consecutive months of payments, paying 70% of the chosen sum until 12 months and 100% after a year of contributions.
• Monthly payments drop by 10% after 18 months and 30% after 24 months without claims, while surcharges of 10% or 30% apply when recent payouts exceed set thresholds.
• Applications can be filed with territorial insurers or via the My Tax mobile app until September 30, 2027, and the bill still requires further readings and formal enactment before launch.