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Social Security Contributions and Benefits for Employed People
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Information about social security contributions, health cover and entitlements for employed people in France...
No payments are due from low-income singles, couples or families (tariffs available from CPAM). Low-income families are entitled to a free top-up policy. For people above the minimum income levels, the contribution (cotisation) is eight percent of the difference between the appropriate family threshold level and taxable income - marked on the French income tax return in the row with two asterisks as relevant fiscale de revenu. CPAM makes these calculations. Service Public also has information on unemployment benefits Expatriates who have come to live in France need to prove their income to CPAM. This is most easily done with a French tax return. However these tax returns are submitted one year in arrears, in February each year, so those who have not declared themselves as tax residents need to show evidence of income. This can be another country's tax return, or evidence of income such as payslips, pension statements, or earnings from capital such as bank deposits, coupons from government bond holdings or share dividends.Employed person
On starting a work contract, the employer declares the new employee to URSSAF (Union de Recouvrement des Cotisations de Sécurité Sociale et d'Allocations Familiales). The employee must register with their local CPAM office. Take the following (and photocopies):- Proof of legal residence in France (EU-member passport or Carte de Séjour)
- Birth certificate showing parents’ names (a birth certificate for each family member: partner, children)
- Marriage certificate (if relevant)
- Bank or postal account number certificate (RIB)
- Three months' pay slips or the work contract or an employment certificate
Self-employed person
A self-employed person should contact the relevant local authority.- Professionals: contact URSSAF (Union de Recouvrement des cotisations de Sécurité Sociale et d'Allocations Familiales) or the Chamber of Commerce (Chambre de Commerce et d'Industrie/CCI)
- Artisans (craftsperson, tradesperson): contact the Caisse Régionale des Artisans et Commerçants
- Farmers: contact the Mutualité Sociale Agricole/MSA