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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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