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French Social Security Organizations
Note: French Social Security rules differ in the Alsace-Moselle regions.
This information below does not apply.
The contributions or cotisations you and your employers pay from your salary/earnings
are called:
- CSG - Cotisation Sociale Genèralisé
- CRDS - Contribution au Remboursement de la Dette Sociale
- AF - Allocations Familiales
These contributions go to pay for the social security national organization, which
is composed of the following:
CPAM - Caisse Primaire d'Assurances Maladie
This is the body that deals with anything medical - doctors and dentists,
hospitalization, pregnancy, accidents at work, death and so forth. When you have
your social security number from this organization you are entitled to full social
security benefits. Your contributions are paid each month to CPAM, giving you
social security cover.
CAF - Caisse d'Allocations Familiales
This is the local body that deals with all things related to the allowances and
benefits to which we are all entitled, including family allowance, rent allowance,
single parent allowance and so forth. The CAF main offices of the Alpes-Maritimes,
where all the records are dealt with, are in Nice, Cannes and Antibes, but the
public can also visit offices in Grasse and Menton for information. The main Var
office is in Toulon, with offices in Draguignan, Fréjus, Brignoles and
Hyères.
Carte Vitale
This green coloured card is given to you (sometimes you must ask for it) when you
receive your social security number and replaces the old prescription, which is
however still in use in some situations. You pay your medical practitioner who
registers your payment with the card which sets the reimbursement process into
action. Equally you can use the Carte Vitale in laboratories, pharmacies and other
medical situations.
Note: Not all medications are reimbursed - your medical practitioner can
advise you.
You need to update your card regularly every six months, which you can do in the
machines made especially for this purpose in mairies, hospitals, and the CPAM
offices. You need to do this at least twice a year, and when you change address or
when other family members are added. To update your card, place it in the machine
and press mise à jour (update).
Caisse de Retraite
This is the organization that looks after your retirement pension. You are allocated
this Caisse according to your profession. If you are self-employed you are given a
choice, but it is still obligatory.
URSSAF
URSSAF, the Union de Recouvrement des cotisations de la Sécurité
Sociale et d'Allocations Familiales is the body that looks after self-employed
people. It is to them that you apply when you want to be a travailleur independent.
URSSAF collect your social security contributions and you are attributed a CAF
according to your profession entitling you to family allowance and so forth. As a
self-employed person you do not depend on the local CPAM, you are allocated an
organization related to your profession, but this functions in exactly the same
way as a CPAM.
Assistante Sociale - Social Worker
Assistantes Sociales are there to help with any problem or need for information
relating to Social Security benefits and other social affairs that involve family
members. They will tell you what to do or what paperwork is needed to claim allowances
and put this to the appropriate people, advise on what you should do in case of
divorce, child abuse, financial difficulties and so forth. They can be contacted
via your local mairie. Most mairies have set times when you can see an Assistante
Sociale, no appointments are necessary, normally you wait your turn.
Assurance Mutuelle or Top up insurance
The obligatory social security pays up to 70% of your medical costs, and 100% for
pregnancy and in other specific circumstances. To ensure that you are covered for
the 30% that you have to pay, you can buy a mutuelle, or compliment insurance
from any insurance broker. This is a nationally recognized scheme and works very
well with the Social Security. Prices vary according to the company, so it is
always best to shop around. You can have 100% cover, or 150% or more if you
choose. This basically means that the percentage that the doctor or dentist
charges over and above the official limit will be reimbursed. There are various
schemes available giving different benefits for different needs, and this needs
to be carefully chosen with your insurance broker.
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