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Social security in France

how to get social security in france, claiming social security in france
Social security in France is divided into four branches: illness; old age/retirement; family; work accident and occupational disease From an institutional point of view, French social security is made up of diverse organismes The system is divided into three main Regimes: the General Regime, the Farm Regime and the Self-employed Regime In addition there are numerous special regimes dating from prior to the creation of the state system


  • 1 History of social protection
    • 11 Modern history
  • 2 Allowances by branch
    • 21 Disease
      • 211 Universal Health Coverage
    • 22 Accidents at work
    • 23 Family
    • 24 Old age
      • 241 Solidarity allowance for the elderly ASPA
  • 3 Funding
    • 31 Contributions
  • 4 Budget
  • 5 Special regimes
  • 6 See also
  • 7 References
  • 8 External links

History of social protectionedit

From the Middle Ages, certain professional organizations provided limited assistance to their members However, the abolition of corporations by the Allarde decree, in 1791, put an end to this early system of private professional collective security It was nevertheless replaced by the sociétés de secours mutuels, or societies for mutual support, recognized and strictly regulated by the 1835 Humann law These sociétés would thereafter be free from administrative control, and were encouraged by the law of 1 April 1898, referred to as the Charte de la mutualité, or Charter of mutuality The 1898 law establishes the principles of mutualisme, as they are found today in French law; mutuelles—organizations for collective social insurance—were permitted to offer loans to any French person, even if at the beginning, interest rates were too high for the average person

Alongside the movement for mutual, private social insurance, legislators pushed state-sponsored social aid, which tended to nurture the principle of national solidarity The law of 15 July 1893, instituted free medical assistance; the law of 9 April 1898, considerably facilitated the worker compensation claims; the law of 27 June 1904, created the service départemental d'aide sociale à l'enfance, a childbirth assistance program; and on 14 July 1905, an elderly and disabled persons assistance program was initiated France also had, by the 1900s, the most extensive network of child welfare clinics and free or subsidized milk supplies in the world1

The development of insurance companies, at the beginning of the 20th century, was also encouraged by legislation Note that insurance companies are profit driven, while mutuelles are cooperatives On 9 April 1898, legislators required that employers purchase insurance for indemnity payments to injured employees Then, on 5 April 1928, insurance was extended to cover illness, maternity, and death On 30 April 1930, the law was again extended to apply to jobs in the agricultural sector The bill was supported by Pierre Laval, who went on to serve as the French Prime Minister from 1942 to 1944, in the Vichy government2 As a result, historian Fred Kupferman has called Laval "the father of social security" in France2

During the Second World War, the National Council of the French Resistance adopted plans to create a universal social security program to cover all citizens, regardless of class, in the event that sickness or injury made them unable to work In the UK, the first report of British economist William Beveridge outlined the general principles that would govern the integration and evolution of social security in post-war France Indeed, the ordonnances of 4 and 19 April 1945, created a generalized, national social security system similar to that described in Beveridge's plan

Modern historyedit

The Social Security is financed by payments from both employers and their employees; it is administered and managed by all social partners, typically employee unions and/or companies

The Constitution of the IVth Republic, adopted by referendum in 1946, a constitutional state obligation to provide financial assistance to those deemed most socially vulnerable, most notably women, children, and retired workers

Nonetheless, social security was not entirely universal The CNR program—the national resistance council—had envisioned universal social security, but the régime général, or unified social security program, actually created excluded miners, sailors, farmers, and government employees, all of whom were covered by régimes particuliers, or special administrative bodies Finally, the law of 22 May 1946, limited coverage under the unified ss program to employees of the industrial and commercial sectors

In the following decades, the unified ss program would gradually be extended by various laws:

  • 9 April 1947 : extended social security to government workers
  • 17 January 1948 : established three retiree insurance programs for non-salaried, non-farm employees artisans, industrial and commercial workers, and among the liberal professions
  • 10 July 1952 : established mandatory retiree insurance program for farmers, managed by the mutualité sociale agricole MSA
  • 25 January 1961 : established mandatory health insurance for farmers, allowing them choice among providers
  • 12 July 1966 : established maternity health insurance for non-salaried, non-farm workers, managed by the CANAM
  • 22 December 1966 : established mandatory insurance programs for farm-related accidents, non-work related accidents, and work-related sicknesses with free-choice of provider
  • 25 October 1972 : protection enforcement of salaried farm-workers against work-related accidents, written into law
  • 4 July 1975 : universalized retiree insurance mandatory for working population
  • 22 January 1978 : establishment of unique program for ministers, religious congregation members, and personal insurance other non-covered persons
  • 28 July 1999 : the complete institutialization of universal health care

Allowances by branchedit


The sickness insurance covers the cost of general medicine and special care and dentures, Pharmaceutical expenses and equipment, analysis and laboratory tests; hospitalization and treatment heavy care facilities, rehabilitation, prenuptial examination vaccinations, tests done in public health programs ; accommodation and treatment of children or adolescents with disabilities In case of sickness, health insurance provides daily allowances to the insured who is in physical disability and unable to continue or resume work The daily allowance depends on the daily earning and on the number of dependent children Health insurance also manages maternity expenses for examinations and daily allowance during maternity leave disability: pension granted when the person is unable to work and deaths

In order to be taken in charge by health insurance, care and products must meet two conditions: being provided by a public or private practitioner duly authorized to exercise, and being included on the list of reimbursable drugs and products Health insurance operate on the basis of tariffs set by convention or authority Health insurance does not support all the expenses within the rates used to calculate benefits In principle, the insured is required to advance the expenses, social security then reimbursing the insured However, there are some conventions of "third-party payer" providing direct payment for the body to the service

Health insurance depends on his professional past or present of a person However, for those not fulfilling the conditions of membership on a professional basis but residing in France for at least three months in a regular situation, there is universal coverage The insured entitlement to benefits in kind of health insurance and maternity his spouse or partner when it does not have a system of social protection, dependent children and any person taken in charge by the insured and who does not benefit from a system of social protection

Universal Health Coverageedit

From 2000 a universal health coverage has been in place, providing two fundamental rights for access to care: a right to health insurance for anyone in stable and regular residence in the territory and a right for the most disadvantaged, submitted to resources, to a free coverage, with exemption from fee

The first component, for basic coverage, improves access to care for people suffering from extreme exclusion, but also many people temporarily or permanently deprived of the right to health insurance It also introduced the principle of continuity of rights: a caisse can stop paying benefits only if another caisse takes over or if the insured person leaves the country

The second component, the creation of an additional free coverage, on behalf of national solidarity, is included in the management of care by health insurance This reform affects 10% of the most disadvantaged people meeting the criteria of resources and residence

Accidents at workedit

The accident insurance and occupational diseases is a branch of social security often managed by the same agencies that the health branch It is the oldest social security body The legislation go back to 1898 and were included in the 31 December 1946 law creating the Social Security

There are three social accident for which the risk is better covered by than by the accident assurance health insurance The accident at work is the accident, whatever the cause, occurring because of or in connection with a job, to any person employed by one or more employers or entrepreneurs Travel accident is an accident occurring on a route between work and home or during a mission on behalf of the employer A professional disease is a disease of occupational origin and included in a list indicating any occupational diseases, their causes and the duration of incubation

In these three cases, industrial accident, travel from home, and occupational disease, medical care and vocational rehabilitation are totally taken in charge by the Social Security In case of permanent reduction of working capacity, the victim is entitled a capital if the rate of permanent disability is less than 10%, and an annuity if the rate is more than 10% In case of the death of the insured, the beneficiaries spouse, children and descendants dependents receive a pension


Family benefits consist of:

  • The family allowances granted from the 2nd dependent child, a fixed amount per child from the 3rd
  • The Family Complement assigned to the household or the person whose resources do not exceed a ceiling
  • The adopted child allowance attributed to parents adopting children since 2004 The PAJE replaced five previously existing benefits
  • The special education allowance AES awarded to any person who is caring for a disabled child until the 20th birthday
  • The maintenance allowance granted to the surviving spouse or parent or family home to raise an orphaned child
  • The school allocation of available to children under 18 who continue their studies or placed under apprenticeship provided that their income does not exceed 55% of SMIC,
  • The lone parent allowance granted in case of insufficient resources to persons bearing the burden alone of at least one child
  • The housing family allowance granted in case of housing insalubrity
  • The allocation of social housing in case of housing insalubrity to the elderly, the disabled, some unemployed and beneficiaries of the RMI

Family benefits are granted to any French or foreign person residing in France, with a dependent child or children living in France under 20 or 21 years for housing allowances to family and the Family

Old ageedit

Main article: Pensions in France

All the schemes of basic and supplementary pensions in France work on the method of distribution The schemes redistribute every year, in the form of pensions paid to retirees, contributions received that year from the assets If the rules of the various pension plans in France correspond to different concepts, however they are based on common principles All schemes incorporate mechanisms of solidarity: solidarity between generations principle of distribution and solidarity within a single generation large redistributions between different occupational groups and gender These principles of solidarity occurs both in the regimes, between the regimes and beyond regimes at the national level There are transfers between the schemes, and therefore solidarity between the basic schemes, as well as mechanisms for schemes coordination Solidarity at the national level consists of the minimum old-age pension assigned to all seniors who have limited resources, paid by the solidarity fund retirement which also pay some family benefits, but also of state subsidies granted to certain regimes farmers, SNCF, RATP, mining, marine , and finally of various taxes allocated to pensions The retirement system in France is organized into three levels: a compulsory system, a scheme often mandatory, and optional arrangements

Solidarity allowance for the elderly ASPAedit

Main article: Allocation de Solidarité aux Personnes Agées

The Allocation de Solidarité aux Personnes Agées solidarity allowance for the elderly ASPA is a French state pension for elderly people, whether former employees or not, on low incomes It replaced the multiple components of the minimum pension Minimum Vieillesse from 1 January 2006 To qualify for ASPA, the recipient must live in France or French territory, and meet age and financial need criteria



The French system of Social Security is financed largely by contributions based on the wages of employees However, new funding policies have sought to broaden the base by taking into account all the household income while policies to promote employment led to lighten the burden of contributions on low wages

The income of social security schemes are traditionally divided along the following categories:

  • The" actual contributions" 57% of total revenue represent the contributions paid by the insured and employers to social security
  • The "fictitious contributions" 8% of revenue correspond in schemes employers SNCF, RATP, EDF, in funding by the employer of the scheme it manages Indeed, the employer must ensure the balance of the scheme
  • The "public contributions" 3% of revenue represent direct payments to the state, including grants to individual special regimes balance
  • The "assigned taxes" 19% of revenue include various contributions and taxes used to finance social security The most important is the general social contribution CSG, based on all household incomes and contributing to the financing of health insurance, family benefits and Retirement Solidarity Fund


Balance of the General Social Security scheme in billions of euros from 1998 to 2017

The budget of the Social security system in France is separate from the budget of the state and is subject to a separate vote and an act of parliament loi de Finances de la securité Sociale The 2010 budget amounted to 428 Bn €3

Spending Resources Balance
Health 153,4 141,8 -11,6
Pensions 102,3 93,4 -8,9
Family 52,9 50,2 -2,7
Workplace accidents 11,2 10,5 -0,7
Total General regime 311,5 287,5 -23,9
Total All systems 427,5 402,0 -25,5

Although the Social security system achieved surplus between 1999 and 2001 thanks to the late 1990s economic recovery, it has since been repeatedly achieved important deficits, especially in 2009-2011 in the aftermath of the Great Recession The 2013 budget is forecast to reach 469 Bn € and a deficit of 126 Bn €4 Marisol Touraine, Minister of Social Affairs and Health, announced in September 2016 that the Social Security budget would be balanced in 2017 for the first time in 16 years5

Special regimesedit

In addition to the three main regimes there are numerous special regimes dating from prior to the creation of the state system and which refused to be merged into the general system when it was created The main special regimes are;

  • National Social security fund for the military Caisse nationale militaire de sécurité sociale
  • Railway workers fund Caisse de la Société nationale des chemins de fer français
  • Mineworkers Social security fund régime minier de sécurité sociale
  • Fund of the independent Paris transportation system régime spécial de la RATP
  • Fund for gas and electricity workers régime des industries électriques et gazières
  • National Institute for Navy Établissement national des invalides de la marine
  • Social security system for solicitors and lawyers régime des clercs et employés de notaires
  • Social Security system of the Bank of France régime de la Banque de France
  • Social security system of the Paris Chamber of Commerce régime de la Chambre de commerce et d’industrie de Paris
  • Social security system of the Senate of France régime régime du Sénat
  • Social security system of the National Assembly of France régime de l'Assemblée nationale,
  • Social security system of the port of Bordeaux régime du port autonome de Bordeaux
  • Fund for non-resident French nationals Caisse des français de l'étranger

See alsoedit

  • Agessa
  • Health care in France


  1. ^ Foundations of the Welfare State by Pat Thane
  2. ^ a b Kupferman, Fred 2015 Pierre Laval 2nd ed Paris: Tallandier pp 53–88 ISBN 9782847342543 – via Cairninfo Registration required help 
  3. ^ in French http://wwwsecurite-socialefr/IMG/pdf/lfss_2012_en_chiffres-3pdf
  4. ^ http://wwwsecurite-socialefr/IMG/pdf/lfss_2012_en_chiffres-3pdf
  5. ^ "Sécurité sociale : un retour à l'équilibre dès 2017" economiegouvfr in French French Ministry for the Economy and Finance September 27, 2016 Retrieved June 6, 2017 

On the funding of Social Security

  • National Assembly report
  • Senate report
  • The account of Social Security
  • Project for the financement of Social Security in 2009
  • Report by the Cour des Comptes

External linksedit

  • Portal of the Social Security administrations in French
  • Getting informed about Health Insurance
  • Key French Social Security Figures
  • Overview of the French Social Security System in English

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