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Directorate of Social Security

Key French Social Security Figures, 2014

Key French Social Security FigureS,2014

2015 edition

The French social security system . ………… 5

Social security revenue ………………………… 6

The health insurance branch of the general scheme .............. ……………………………………10

The occupational injuries and illnesses branch of the general scheme .……………… 14

The old-age insurance branch of the general scheme …………………………………… 18

The family branch ……………………………….. 23

Financial situation ………………………………. 26

Social security schemes for the self- employed and agricultural sectors ……….. 30

Quality and efficiency programs …………... 34

Social security public service performance ……………………………….......... 35

Social security institutions’ organizationchart ………………………………....................... 40

contentS

Key French Social Security Figures, 2014/ 5

the French Social Security SySteM

t

1 explanatory statement from the French decree of 4 october 1945 establishing the social security system.

he French social security system was founded in 1945 in order to “ensure that eve-ryone should have the means required to support themselves and their family in decent conditions, under all circumstances”. it is based on the principle of solidarity which guarantees financial protection against life’s contingencies for everyone.

it covers health insurance, compensation for occupational injuries and illnesses, pensions and family benefits. these four main branches of the social security system are completed by the collection of social contributions and cash management.

the French social security system is underpinned by the principles of universality and unity. it is admi-nistered through a number of different basic schemes: the general scheme for employees and the non-employed; agricultural workers' and farmers' scheme managed by the ccMSa; and the rSi scheme for the self-employed which covers the craft, trade and commercial sectors, and independent professio-nals for health insurance. a large number of other, 'special' schemes cover specific professions such as civil servants and railroad and utility employees. the general scheme alone accounts for about three quarters of the total expenditure incurred by the basic social security schemes.

in 2014, total net expenditures amounted to 343.8 billion euros for the general scheme and are esti-mated at 471.7 billion euros for all schemes combined.

the French social security system is financed by social contributions paid by employers and employees, a general social welfare contribution (cSg) and various other contributions and taxes.

While opinion polls show overwhelming public support for the social security system, there tends to be only a limited understanding of how the system functions and the huge flows of money being handled. this document aims to fill the knowledge gap by presenting key figures on the French social security system and providing a better understanding of it has evolved over time and the issues faced today.

Key French Social Security Figures, 2014 / 6

The ACOSS (central agency of social security funds) is in charge of the social security general scheme’s cash operations and manages the URSSAF which are responsible for the collection of social contributions.

• 9.6 million contributor accounts managed in 2014.

• 474.4 billion euros in revenues collected in 2014.

• General scheme consolidated products totalled 334 billion euros in 2014.

Social Security reVenue


BReAkdOwn OF The PRinCiPAl COnTRiBUTORS in 2014

TaxeS and dueS (non CSG)

CSG

ConTribuTionS Covered by The STaTe

ConTribuTionS

TranSFerS

oTher inCome

STRUCTURe OF geneRAl SCheme RevenUe in 2014

Source: Social Security Directorate

PubLiC adminiSTraTionS

houSehoLdS

ComPanieS

46,3%

8,8%

44,9%

57,7%

0,7%

19,6%

13,8%

6,8% 1,3%

Source : Social Security accounts commission, June 2015


STRUCTURe OF RevenUe By BRAnCh in 2014

Source: Directorate of Social Security

CnAm (health) CnAm (occupational injuries and illnesses)

CnAF (family benefits) CnAv (old age)

STATUTORy emPlOyee And emPlOyeR SOCiAl SeCURiTy COnTRiBUTiOnS

TaxeS and dueS (non CSG)

CSG

ConTribuTionS Covered by The STaTe

ConTribuTionS

TranSFerS

oTher inCome

Source: Social

Security accounts

commission,

June 2015

As a percentage of gross salary employer employee Total

Social security contributions

health insurance 12,80 0,75 13,55

Old-age insurancebelow ceiling 8,50 6,85 15,35

above ceiling 1,80 0,30 1

Family benefits 3,45*/5,25** - 3,45*/5,25**

Occupational injuries (average) 2,44 - 2,44

Other contributions

CSg*** - 7,5 7,5

CRdS*** - 0,5 0,5

CSA 0,30 0,30

n.b.: ‘below ceiling’ refers to employer’s or employee’s contributions paid on that part of the wage which is below the social security capped limit (3,170 euros gross per month as of January 1st 2015) as opposed to ‘above ceiling’ meaning contributions to be paid on the entire wage. only those contributions collected for the pensions branch are calculated on the capped wage.The statutory contribution rates listed above are different from those actually paid by employers once contribution relief measures have been applied.

With the implementation of the “responsibility pact” from January 1st, 2015, the family contribution rate is now adjusted according to gross salary: it has been reduced by 1.8 points for gross salaries below 1.6 times the gross minimum wage (for a rate of 3.45 points) and remains at 5.25 points for salaries above that amount.

*For salaries less than or equal to 1.6 times the legal minimum wage (SmiC)**For salaries above 1.6 times the legal minimum wage (SmiC)***rates are applied to gross salary after a 1.75% deduction.

Source: Social Security accounts commission, June 2015

62,0%0,9%

19,1%

16,4%

0,6% 1,1%

46,5%

0,6%

33,9%

14,9%1,9% 2%

96,8%

0,9% 2,3%

62,5%

0,8%

10,9%

25,6%

0,2%


TRendS OF ACTUAl emPlOyeR COnTRiBUTiOn RATeS AT minimUm wAge level (SmiC) (AS A PeRCenTAge OF gROSS SAlARy, 1980-2015)

BRAnCh-By-BRAnCh geneRAl SCheme exPendiTURe in 2014

Note on the graph: Calculations are made based on a Paris-region business with more than 20 employees having adopted

the 35 weekly hours system in January 2000 (dotted) or having kept the 39-hour system (block color).

The “responsibility pact,” which was implemented in 2015, totally exempts businesses from paying employers’ contributions for the family, illness, old-age, and industrial accident risks (up to one point) as well as long-term care insurance contributions, and from paying into the national housing aid fund (Fonds national d’aide au Logement (FnaL) for their minimum-wage workers. in addition, businesses receive the competitiveness and employment tax credit (CiCe): as from January 1st, 2015, this means a 6-point drop in their social security contributions. These measures bring the social security withholding rate actually paid by employers down to 10% at the minimum-wage level.Labor cost-reducing measures for low-wage jobs were rolled out beginning in the 1990s and bolstered during the 2000s, increasing the maximum exemption percentage and broadening the measures to cover more workers. before the responsibility pact and the CiCe were implemented, the existing exemptions still left 4.7 points of social security contributions to be paid at the minimum wage level (for businesses with more than 20 employees).

Juppé exemptions 1, 2 and 3

Aubry II structural aid in case of 35-hour work week

AF exemption

Single reduction (Fillon) Responsibility pact

1980

1981

1982

1983

1984

1985

1986

1987

1988

1989

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

Total

Other contributions

total with CICE

Social security(basic schemes)0 %

5 %

10%

15 %

20 %

25 %

30 %

35 %

40 %

45 %

50 %


ToTaL SoCiaL SeCuriTy oTher ConTribuTionS

47,3%3,3%

32,8%

16,6%

Family benefits

old-age insurance

health

occupational injuries and illnesses



The national health insurance Fund for employees (CnAmTS) is in charge of the health insurance branch of the Social Security system’s general scheme and manages the network of local health insurance funds (CPAm).

• 60 million general scheme beneficiaries.

• 91% of the population is insured by CnamTS which covers 86% of total health care expenses.

• 158.3 billion euros net in benefits paid by the CnamTS in 2014.

• health care spending came to 11.6% of the GdP in 2013.

the health inSurance branch oF the general ScheMe

Source: national health accounts, 2015


TRendS in FinAnCing OF heAlTh CARe And mediCAl gOOdS COnSUmPTiOn in PeRCenTAgeS

AnnUAl gROwTh OF geneRAl SCheme heAlTh inSURAnCe COSTS (OndAm)* BeTween 1997 And 2014

*onDaM: national health insurance expenditure target

(1) including the public hospital deficit(2) including complementary universal health cover benefits from these institutions

houSehoLdSComPLemenTary heaLTh inSuranCe ProviderS (2)

baSiC heaLTh inSuranCe SChemeS (1)

STaTe and ComPLemenTary univerSaL heaLTh Care Cover (Cmu-C)

NB: National accounts data based on 2005 figures for 1995-2005 and on 2010 figures for 2006-2013.

1995 2000 2005 2006 2007 2008 2009 2010 2011 2012 2013

13,1%

8,9%

76,6%

1,4%

13,0%

8,8%

76,8%

1,4%

13,0%

9,0%

76,8%

1,2%

12,4%

9,7%

76,7%

1,2%

12,1%

9,8%

76,9%

1,1%

13,4%

9,3%

76%

1,3%

13,4%

9,2%

76,1%

1,3%

13,6%

9,2%

76%

1,3%13,7%

9,2%

75,7%

1,3%

13,8%

9,0%

75,9%

1,3%

13,8%

8,8%

76,0%

1,4%

Source: national health accounts, 2015

1997 1998 1999 2000 2001 20052002 2003 2004 2006 2007 2008 2009

1,5%

4,0%

2,6%

5,6% 5,6%

7,1%

6,4%

4,9%4,0% 4,0%

3,2% 3,5%3,6%

2,6%2,7%

2,3%2,2% 2,4%

2010 2011 2012 2013 2014

(p)Source: Social Security accounts commission, June 2015


heAlTh CARe exPenSeS COveRed By The heAlTh inSURAnCe SySTem (OndAm - PROviSiOnAl 2014 FigUReS)

TRendS in The FinAnCiAl SiTUATiOn OF The heAlTh inSURAnCe BRAnCh (CURRenT BilliOnS OF eUROS)

outpatient health care expenses include fees charged by health care professionals, cash benefits (daily sickness benefits) and outpatient medicine and medical equipment expenses, as well as transport.

45,4%42%

9,8%1,7% 1,0%


1998 1999 2000 2001 20052002 2003 2004 2006 2007 2008 2009

- 2,4 - 2,1

- 6,1

- 8,0

- 5,9

- 4,6 - 4,4

- 10,6- 11,1- 11,6

- 0,7- 1,6

- 11,6

2010 2011 2012 2013 2014

- 8,6

- 5,9

- 6,8 - 6,5


Care and nurSinG homeS

hoSPiTaLS

ouTPaTienT heaLTh Care

oTher

reGionaL inTervenTion Fund (Fir)


inTeRnATiOnAl COmPARiSOn OF heAlTh exPendiTURe AS A ShARe OF gdP

health expenditure as a share of GdP is an indicator that puts health spending into perspective, re-flecting as it does the share of a country's resources devoted to health care. Totaling 11.6% of GdP, total health expenditure in France puts the country well behind the uSa (17.1%) but ahead of Germany (11.2%), Japan (10.2%), denmark (11.2%), and the united Kingdom (8.8%). The growth in health care spending as a share of GdP that occurred in 2009 across all of these countries can be attributed chiefly to the effects of the economic crisis. These values have since stabilized overall.

6

8

10

12

14

16

18

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

United States

France

Germany

Denmark

JapanUnited Kingdom

Source: oecD health Data 2015


The national health insurance fund for employees (CnAmTS) is also in charge of the nationwide occupational injury and illness compensation branch of the general social security scheme and manages the network local old-age and occupational health insurance funds (CARSAT).

• in 2014, some 2.1 million businesses paid industrial injury contributions for more than 18.3 employees (about 70% of the labour force).

• in the same year, approximately 621,000 cases of occupational injury and 52,000 cases of occupational illnesses resulted in sick leave.

• net benefit payments totalled 8.7 billion euros in 2014.

the occupational inJurieS anD illneSSeS branch oF the general ScheMe



OCCUPATiOnAl injURy And diSeASe exPendiTURe in 2014

evOlUTiOn OF The FinAnCiAl SiTUATiOn OF The OCCUPATiOnAl injURieS And illneSSeS BRAnCh (in BilliOnS OF CURRenT eUROS)

daiLy SiCKneSS beneFiTS(dSb)

heaLThCare beneFiTS (TemPorary inCaPaCiTy oTher Than dSb)

PermanenT inCaPaCiTy (PenSionS and PayouTS)

oTher (inCLudinG TranSFer PaymenTS To oTher inSTiTuTionS

aSbeSToS viCTimS’ PaymenTS (aCaaTa and FinanCinG oF The Fiva)

10%

9%

37%

21%

23%


nb: acaata: asbestos’ workers early retirement allowance. FiVa: asbestos victims’ compensation fund.

- 0,7

1999 2000 2001 20052002 2003 2004 2006 2007 2008 2009

+ 0,2 + 0,2

+ 0,6+ 0,7

0

0

- 0,5 - 0,5

- 0,7

- 0,2

- 0,4

- 0,1

+ 0,4

- 0,7

2010 2011 2012 2013 2014

- 0,2 - 0,2



TRendS in wORk-RelATed ACCidenTS, COmmUTing ACCidenTS And OCCUPATiOnAl illneSSeS ReSUlTing in SiCk leAve, 2002 TO 2014 (BASe 100 in 2001)

oCCuPaTionaL iLLneSSeS

CommuTinG aCCidenTS

oCCuPaTionaL aCCidenTS

aLL

approximately 759,500 accidents resulted in sick leave in 2014: 82% of these were occupational injuries, 11% were commuting accidents and 7% were cases of occupational illness.

80

100

120

140

160

180

200

220

240

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

Source: occupational risks Department, cnaMtS


The CnTs (national technical committees) have grouped France’s industries into nine major branches of activity. in 2014, approximately 621,000 accidents resulting in medical leave were reported by the general scheme, involving some 18.3 million employees.

indUSTRiAl injURieS wiTh mediCAl leAve By ACTiviTy BRAnCh in 2014

2% 18%

14%

16%

8%24%

7%

8%3%

Source: cnaMtS (Department of work-related risks)

ConSTruCTion

Wood, FurniShinGS, PaPer and Cardboard, TexTiLe, CLoThinG, LeaTher and PeLT QuarryinG and manuFaCTure oF mineraL ProduCTS

ServiCe aCTiviTieS i (banKinG, inSuranCe, adminiSTraTion)

ServiCe aCTiviTieS ii (TemPorary emPLoymenT, heaLTh, CLeaninG, eTC.)

non-Food buSineSSeS

TranSPorT, uTiLiTieS, PubLiShinG and CommuniCaTion

meTaLLurGy

Food ServiCeS, Trade and induSTrieS

ChemiCaLS, rubber, PLaSTiCS induSTrieS


The national old-age insurance fund (CnAv) is in charge of pensions within the general scheme and manages the network of local pension and health insurance funds (CARSAT).

• 13.7 million general scheme pensioners in all of France in 2014.

• 108.5 billion euros in net benefits paid by the Cnav in 2014.

• basic and complementary pensions came to 13.9% of the GdP.

the olD-age inSurance branch oF the general ScheMe


TRendS in ReTiRemenT nUmBeRS

The surge of baby boomers reaching retirement age has swelled the ranks of those retiring each year, a trend which began in 2004 and resulted in a rise from 500,000 to approximately 700,000 per year. Changes in retirement laws also affect yearly figures and cause sharp rises and falls: an early retirement program was created in 2003 and designed for people with a long employment history. eligibility criteria were restricted in 2009, then successively expanded in 2011, 2012 and 2014. at the same time, the period of insurance required to claim a full pension has progressively increased from 160 quarters for the 1948 generation to 167 quarters for those born in 1955; and the minimum retirement age as well as the age at which a full-rate pension can be claimed without career-length criteria increased by two years (this increase is applied gradually for those born between 1951 and 1956, through a 5-month increase for each generation).

evOlUTiOn OF The FinAnCiAl SiTUATiOn OF The Old-Age BRAnCh OF The geneRAl SCheme (in BilliOnS OF CURRenT eUROS)

450 000

500 000

550 000

600 000

650 000

700 000

750 000

800 000

2009

2008

2007

2006

2005

2004

2003

2002

2001

2010

2011

2012

2013

2014

Source: cnaV

19991998 2000 2001 20052002 2003 2004 2006 2007 2008 2009

+ 0,8 + 0,9

0,0+ 0,3

- 4,6- 5,6

- 7,2

- 1,9 - 1,9

+ 0,5

+ 1,5 + 1,7

- 8,9

- 6,0

- 4,8

- 3,1

- 1,2

2010 2011 2012 2013 2014


Scope: persons drawing a general scheme old-age pension for the first time in year n.


TRendS in AveRAge mOnThly PenSiOnS PAid TO men And wOmen, All SChemeS COmBined (AmOUnTS in eUROS PeR mOnTh)

gUARAnTeed minimUm PenSiOn And ASPA (Old-Age SOlidARiTy AllOwAnCe) BeneFiCiARieS And ASSOCiATed exPendiTURe AS OF deCemBeR 31ST*

* the numbers and the associated expenditure include both levels of the former minimum pension program, which is replaced by the aSpa (old-age solidarity allowance) for those retiring from January 1, 2007.nb: the series of overall expenditure shows a break in 1999 due to a change in calculation from incoming/outgoing payments to actual entitlements.

beneFiCiarieS, inCLudinG aSPa (LeFT)

overaLL exPendiTure, inCLudinG aSPa (riGhT)

These amounts include basic and complementary old-age pensions (entitlement accrued through employ-ment and payment of the associated contributions) as well as survivors’ pensions and, as of 2008, in-creases for parents having raised children.

Scope: pensioners having received a personal entitlement during year n, born either in France or abroad, and alive on December 31 of that year.

SurvivorS’ PenSionS and PenSion inCreaSeS - men

SurvivorS’ PenSionS and PenSion inCreaSeS - Women

oLd-aGe PenSionS (baSiC and ComPLemenTary) - men

oLd-aGe PenSionS (baSiC and ComPLemenTary) - Women

2004 2005 2006 2007 2008

1 338

730 756 789 820 857

1 378 1 420 1 459 1 501

67

268

69

271

877

1 524

71

275

899

1 552

2009 2010

74

272

932

1 603

71

283

967

1 617

73

291

993

1 642

2011 2012 2013

Source: DreeS, eacr, eir, ancetre model

500 000

600 000

700 000

800 000

900 000

1 000 000

1 100 000

2000

1999

1998

1997

1996

1995

1994

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2 200

2 400

2 600

2 800

3 000

3 200

3 400

Source: pension solidarity fund. DSS calculations


emPlOymenT RATeS AmOng The 55-64 Age gROUP

The number of minimum pension or aSPa (since 2007) beneficiaries is on a downward trend due to an improvement in employment histories, particularly for women. over the past seven years, two factors came into play and balanced each other out: the special increases in the aSPa which were adopted in 2008-2012 expanded eligibility to people whose personal entitlements were slightly higher than the former upper limit for these benefits. at the same time, the progressive increase of the minimum retirement age from 60 to 62 for people recognized unfit for work reduced the num-ber of minimum pension beneficiaries, a significant proportion of whom belong to this segment of the population. despite the drop in the number of beneficiaries, overall expenditure increased between 2007 and 2012 due to the special increases in the upper limit.

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

30 %

40 %

50 %

60 %

70 %Sweden

The Netherlands

United Kingdom

Spain

EU (27 countries)

Germany

France

Italy

2010

2011

2012

2013

2014

Source: eurostat

France’s employment rate for the 55-64 age group was 47.1% in 2014, 5 points below the european average (52%). The 8-point increase in the employment rate that can be observed from 2009 is due to the phasing out of public-sector early retirement programs, the gradual elimination of the exemption for looking for work for jobseekers aged 55 and up, the increase in the legal retirement age and the lengthening of the period of insurance required for a full-rate pension.


SPending On PenSiOnS AS A ShARe OF gdP

baSiC oLd-aGe PenSionS*

SurvivorS’ PenSionS

oTher oLd-aGe PenSionS*

Scope: Social protection schemes.

*For the 2000 basis, independent workers’ supplementary pensions are not separated out from their basic pensions.**change in the basis of the national accounts.

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

11,4 %

1,6 %

2,5 %

7,3 %

11,7 %

1,6 %

7,5 %

2,6 %

11,5 %

1,6 %

7,4 %

2,5 %

11,6 %

1,6 %

7,5 %

2,5 %

11,4 %

1,6 %

7,3 %

2,5 %

11,4 %

1,6 %

7,3 %

2,5 %

11,8 %

1,5 %

2,9 %

7,4 %

13,1 %

8,3 %

3,2 %

1,6 %

13,2 %

8,3 %

1,7 %

3,2 %

13,4 %

1,7 %

7,7 %

3,2 %

8,5 %

13,6 %

1,7 %

8,6 %

3,3 %

13,9 %

1,7 %

8,8 %

3,4 %

12,2 %

7,7 %

3,0 %

1,5 %

11,9 %

7,5 %

2,9 %

1,5 %

** **

Source: DreeS, social protection accounts: 2000 basis (1990-2005), 2005 basis (2006-2008) and 2010 basis (2009-2013)

NB: The GDP figures used for the entire period are those of the INSEE’s 2010 basis.


The national family benefits fund (CnAF) is in charge of the family benefits branch of the general scheme and manages the network local family benefit offices (CAF).

• 12 million claimants in 2014.

• 46.4 billion euros in family benefits, social programs and housing aid financed by the CnaF in 2014.

• Family benefits amount to 2.2% of the GdP.

the FaMily branch oF the Social Security SySteM

Source: DreeS, social protection accounts: 2000 basis (1990-2005), 2005 basis (2006-2008) and 2010 basis (2009-2013)


BReAkdOwn OF FAmilieS ReCeiving FAmily BeneFiTS By mAkeUP in 2014

houSinG beneFiTS

diSabLed ChiLd beneFiTS

earLy ChiLdhood beneFiT ProGram (PaJe, eTC.)

FamiLy aLLoWanCeS (ChiLd beneFiTS, eTC.)

oTher

STRUCTURe OF STATUTORy FAmily BeneFiTS in 2014

49%

35%

12%2% 2%


NB: The “Other” section mainly consists of guardianship expenditure.

Source : cnaF

1 ChiLd

4+ ChiLdren

no ChiLdren

2 ChiLdren

3 ChiLdren

27%

2%5%

17%

49%


PreSChooL

day Care (ProFeSSionaL, FamiLy and ParenTS)

reGiSTered ChiLdminderS

in-home ChiLdCare Provider

evOlUTiOn OF The FinAnCiAl SiTUATiOn OF The FAmily BeneFiTS BRAnCh (in BilliOnS OF CURRenT eUROS)

Sources: cnaF (SiaS-MneaJe and FileaS), DreeS (pMi enquiry), Depp and inSee

BReAkdOwn OF “OFFiCiAl” TyPeS OF ChildCARe FOR ChildRen UndeR Age 3 (2012)

in 2012 in all of France, 53.9 slots per 100 under-three year olds were available for official childcare solu-tions. registered childminders amount to 59% of available official childcare solutions.

19991998 2000 2001 20052002 2003 2004 2006 2007 2008 2009

+ 0,4

- 0,4 - 0,3- 0,2

+ 0,2 + 0,2

- 1,8- 1,3

- 0,9

+ 1,5+ 1,7

+ 1,0

- 2,7 - 2,6

2010 2011

- 2,5- 3,2 - 2,7

2012 2013 2014

Source: French Social Security accounts commission, June 2015.

59%

3%

31%

7%


• The social security general scheme deficit decreased in 2014, falling to 9.7 billion euros from 12.5 billion euros in 2013.

• Social Security revenues rose more quickly than expenditure (3.2% and 2.2% respectively) as a result of the measures implemented through the 2014 Social Security financing law, coupled with an increase in the wage bill (+1.5% in the private sector after a 1.2% increase in 2013).

• General scheme spending continued to rise at a very moderate rate (+2.2%), reflecting a continued containment of health insurance expenditure.

• While the occupational illnesses and injuries branch again reported a surplus in 2014, the three other branches continued to run a deficit.

Financial SituationS


COmPARed AmOUnTS And TRendS OF SOCiAl SeCURiTy, STATe And lOCAl AUThORiTy SPending AS A PeRCenTAge OF gdP

aPu aPuC aPuLaSSo

apu: public administrations

apuc: central administrations (central government and central government agencies)

apul: local authorities

aSSo: social security administrations (including unemployment benefit and compulsory complementary pension schemes)

Scope: the expenditure of the public administration sector is consolidated from internal transfers to the sub-sectors and transfers between the sub-sectors. the expenditure of the public administrations’ sub-sectors, which consist of the central public administration, local public administrations and the Social Security administrations, are consolidated from the internal transfers to each subsector but not from transfers among these various sub-sectors.

0%

10%

20%

30%

40%

50%

60%

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

Source: inSee – expenditure and income for the public administrations – 2010 basis


SOCiAl SeCURiTy deBT TO Be COveRed By The deBT Sinking FUnd CAdeS AS AT 31ST deCemBeR

N.B.: the GDP figures used for the entire period are those of the INSEE’s 2010 basis.

debT remaininG in biLLionS oF euroS

debT remaininG in GdP PoinTS

debT reimburSed in biLLionS oF euroS

debT reimburSed in GdP PoinTS

evOlUTiOn OF The FinAnCiAl SiTUATiOn OF The geneRAl SCheme (in BilliOnS OF CURRenT eUROS)

19991998 2000 2001 20052002 2003 2004 2006 2007 2008 2009

- 10,2- 9,5

+ 0,5 + 0,7

- 20,3

- 11,6- 11,9- 10,2

- 3,5

+ 1,2

- 2,5

- 8,7

- 23,9

- 17,4

2010 2011

- 13,3

- 12,5 - 9,7

2012 2013 2014


142,8

59,6

137,5132,7

84,0

130,2

96,7

86,7

47,9

91,8

42,8

80,1

37,5

73,0

34,7

75,6

32,1

72,7

29,3

65,7

26,6

71,61,6% 1,7% 1,7% 1,8% 1,9%

2,2%2,4%

2,9%3,4%

6,6%

4%

6,3%

4,5%

6,1%

4,1%4,1% 3,8%

4,0%

4,7%

3,8% 4,3%

6,9%

0

20

40

60

80

100

120

140

160

180

200

2011

2010

2009

2013

2014

2012

2008

2007

2006

2005

2004

Source : caDeS, DSS


TRendS in The BReAkdOwn OF SOCiAl SeCURiTy AdminiSTRATiOn RevenUeS

although social contributions represented 88% of total social security revenues in 1990, they accounted for only 65% in 2013. at the same time, the share of earmarked taxes and dues has increased from 4% to 30% currently. These two opposing trends can be partially explained by the increase in the CSG social welfare tax (considered as an earmarked tax) as a substitute for social security contributions.

Scope: consolidated income of the Social Security administration sector

ConSoLidaTed TranSFerS

PubLiC ConTribuTionS oTher reSourCeSSoCiaL ConTribuTionS

earmarKed TaxeS and dueS

19971996199519941993199219911990 1998 1999 2000 2001 20052002 2003 2004 2006 2007 2008 2009 2010 2011 2012 2013

* *

0%

100%

80%

60%

40%

20%

Source: DreeS, Social protection accounts – 2000 basis (1990-1995), 2005 basis (2006-2008) and 2010 basis (2009-

2013)


The Fund for the Self-employed (RSi) administers health insurance for the self-employed in the trades and crafts, commercial and independent professional sectors, as well as old-age pensions for the two first two categories of workers. it also manages the fund's regional offices.• in 2014, 2.8 million people pay contributions to the

rSi, of which 36% are in the commercial sector, 39% in the trade and craft sector and 26% independent professionals.

The national Old-age insurance Fund for independent Professionals (CnAvPl) administers pensions for independent professionals whilst lawyers are handled by the national fund for French barristers (CnBF).• 638,000 independent professionals were paying

contributions to the CnavPL in 2014 and 60,000 to the CnbF in 2013.

The agricultural workers' and farmers mutual welfare fund (mSA) administers sickness benefits, pensions and industrial injury benefits. it also handles family benefits although statutory family benefits are recorded in the accounts of the national Family Benefits Fund (CnAF). it collects contributions from agricultural workers and farmers and manages the Fund’s regional offices.• 1.2 million people pay contributions to the mSa,

of which 57% are agricultural workers and 43% are farmers.

Social Security ScheMeS For the SelF-eMployeD anD agricultural SectorS


FinAnCiAl SiTUATiOn OF The heAlTh inSURAnCe And BASiC PenSiOnS BRAnCheS OF The RSi And CnAvPl (in milliOnS OF eUROS)

RSi And CnAvPl SiCkneSS And BASiC PenSiOn BeneFiTS (in milliOnS OF eUROS)


The health and pension branches for the trade and craft sector and the commercial sector are supported by a corporate social solidarity contribution (C3S) until 2014. This contribution is not taken into account in the above figures. as from 2015, the rSi is incorporated financially into the general scheme.

rSi – CraFT and Trade SeCTor PenSion FinanCinG reQuiremenT

rSi – CommerCiaL SeCTor PenSion FinanCinG reQuiremenT

rSi – heaLTh FinanCinG reQuiremenT

CnavPL – PenSionS

neT beneFiTS – rSi PenSionS For CommerCiaL SeCTor

neT beneFiTS – rSi PenSionS For CraFT and Trade SeCTor

neT beneFiTS – rSi heaLTh

neT beneFiTS – CnavPL PenSionS

122

+ 70

- 1 770

- 762- 649

- 5

- 1 675

- 525- 440

- 1 818

- 1 253

+ 126

- 962 - 935 - 916

- 1 780

- 21

2007 2008 2009 2010

- 790- 882

- 722

-74

2011

- 959- 946- 806

- 103

2012

- 595

- 847- 711

+ 113

- 600

- 889- 1086

+ 124

2013 2014


6 373 6 623 6 8347 201

7 489 7 7438 236

3 504 3 586 3 678 3 746 3 847 3 887 3 900

2 909 3 011 3 121 3 214 3 317 3 403 3 451

836 885 957 1 044 1 134 1 224 1 301

0

1 000

2 000

3 000

4 000

5 000

6 000

7 000

8 000

9 000

2008

2009

2010

2011

2012

2013

2014


FinAnCiAl SiTUATiOn OF The AgRiCUlTURAl emPlOyeeS' SCheme (in milliOnS OF eUROS)

BeneFiTS PAid UndeR The AgRiCUlTURAl wORkeRS’ SCheme (in milliOnS OF eUROS)

The health and pensions branches are incorporated in the general scheme. These transfer payments are not taken into account in the figures above.

heaLTh branCh PenSionS branCh aLL branCheS Combined


neT SiCKneSS beneFiTS oLd-aGe beneFiTS ToTaL beneFiTS (aLL riSKS)


- 687

- 136- 284 - 344

- 872- 1 031 - 1 097

- 723 -719

2007 2008 2009

- 687

- 136- 303

- 872- 992

-639

2007 2010

- 546-524

2011

+ 4

- 59

- 572

- 427

2012

- 394

- 522

- 126- 363

2013 2014

+ 222

+ 371

9 536 9 896 10 091 10 261 10 334 10 375 10 484 10 397

5 264 5 437 5 523 5 588 5 679 5 739 5 780 5 776

3 855 4 024 4 118 4 155 4 177 4 147 4 206 4 146

0

2 000

4 000

6 000

8 000

10 000

12 000

2007

2008

2009

2010

2011

2012

2013

2014


SiCKneSS beneFiTS PenSion ToTaL beneFiTS (For aLL riSKS)

FinAnCiAl SiTUATiOn OF The FARmeRS' SCheme (in milliOnS OF eUROS)

BeneFiTS PAid UndeR The FARmeRS' SCheme (in milliOnS OF eUROS)



up until 2008, the health and pension branches for farmers were supported by the fund for the financing of social benefits in the agricultural sector (FFiPSa). in 2009, the farmers' health insurance branch was incorporated into the general scheme. These transfer payments are not taken into account in the figures above. however, there is no transfer mechanism for the pensions branch.

heaLTh branCh PenSionS branCh aLL branCheS Combined

- 1 266- 1 070 - 1 183

+5

- 2 437 - 2 313

- 1 207- 1 116

2007 2008 2009

- 1 128

- 1 622

- 262

+ 232

2010

- 1 283

- 1 295

2011

- 1 178

- 1 183

- 106- 44

2012

- 982 - 628

+ 6 + 17

2013

- 609 - 628

2014

- 226

18 000

16 000

14 000

12 000

10 000

8 000

6 000

4 000

2 000

15 512

2007

2008

2009

2010

2011

2012

2013

2014

15 853 15 867 15 684 15 600 15 372 15 039

8 683 8 710 8 714 8 585 8 564 8 467 8 315 8 098

6 623 6 783 6 971 7 033 6 891 6 844 6 833 6 759


ix Quality and efficiency programs (Qep) have been developed in the main social security policy areas, namely the four different branches of the social security system (health insurance, occupational accidents and injuries, pensions and family policy), social security financing and coverage of incapacity, disability and elderly dependency.

• The QEP set out the main social security policy objectives, and assess progress in meeting them.

• The QEP comprise a scoping section and a second section presenting the objectives and expected outcomes of the policies implemented through the network of Social Security institu-tions.

• The QEP provide a checklist of health and social policies, based on which four main themes have been identified:- access to adequate social security benefits and health care- Quality of service provided by the Social Security system- efficiency in delivering benefits and services- Financial viability of the Social Security system

• They include 170 indicators of which 74 are structural and 96 relate to objectives and out-comes.

• An 8-page summary presents main developments in respect of the QEP.

• The QEP comprise Appendix 1 of the Social Security Financing Bill ((PLFSS).

• Many of the indicators in this brochure are QEP indicators. They are available online: see the LFSS section of the portal securite-sociale.fr.

S

Quality anD eFFiciency prograMS (Qep)


Social Security public SerVice perForMance

Performance objectives for France's social security institutions are set out in the national agreements on objectives and management (CoG) negotiated between the government and each social security institution since 1996.

Key considerations include processing speed, quality of service and financial performance. The CoG identify main strategies for improvement and current management commitments: development of e-administration, respect for the environment and employment for people with disabilities and older workers are just some of the issues addressed under the current agreement.

The main performance indicators are shown below.


QUAliTy OF SeRviCe

drop-in services 2011 2012 2013 2014

healthCalendar days needed to reimburse 90% of electronic claims

6.7 6.7 6.5 6.6

FamilyPercentage of claims processed within 2 weeks

80% 77.8% 75.9% 89.6%

PensionsPercentage of personal old-age pension entitlements settled within one month of due date (for residents in France)

96.2% 96.5% 95.2% 95.13%

CollectionContributions accounts updated within 10 days

99.4% 99.5% 99.4% 99.6%

lPhone reception 2011 2012 2013 2013

health

Percentage of calls handled 85% 87.5% 90.0% 85%

annual number of calls handled (in millions)

27 28.5 27.7 27.4

Family

Percentage of calls handled 86.1% 82.0% 78.8% 89%


27.0 27.1 28.4 29.9

Pensions

Percentage of calls answered 90.3% 86.3 82.5 80.03


4.7 5.2 5.5 5.7

Collection Percentage of calls handled 96.9% 93.4% 93.0% 82.6%


e-administration 2011 2012 2013 2014

health

Percentage of electronic claims + computerized data exchanges*

90.3% 91.5% 92.6% 93.33%

number of electronic claims (in millions – CPam and CGSS)

871.8 894 919 933

Family Progression rate for e-data collection 84% 87.9% 86.7% 90.4%

Pensions

Percentage of annual social data declarations filed electronically

98.8% 99.2% 99.4% 99.57%

number of annual social data declarations filed electronically

2,029,561 2,041,282 2,047,232 2,075,088

Collection

Percentage of contribution summary declarations filed electronically (private-sector businesses) in number of accounts

68.6% 88.5% 94.2% 97.0%

Percentage of payments made electronically 91.6% 94.6% 96.6% 98.4%

internet access 2011 2012 2013 2014

healthnumber of “mon compte assuré” accountholders (in millions)

8.386 10.752 13.597 16.533

Familynumber of unique benefits claimants who log into their caf.fr account during the year (in millions)

9.163 8.809 9.497 10.085

Pensionsnumber of online career overview consultations (in millions)

2.423 2.576 2.279 2.634

*(total electronic claims + computerized data exchanges/ total service deductions) as of the 4th quarter


health 2011 2012 2013 2014

Proportion of beneficiaries over 16 years of age having chosen their general practitioner 89.8% 90.6% 91.3% 91.68%

Percentage of generic drugs prescribed (in number of boxes) 76.20% 83.6% 82.2% 83.3%

Family 2011 2012 2013 2014

number of PAje (early childhood benefit program) beneficiaries 2,287,637 2,278,762 2,266,134 2,241,071

number of RSA (low-income top up) claimants* 2,032,370 2,142,264 2,296,022 2,428,360

Collections – Outstanding payment ratios at march 31st of following year

2011 2012 2013 2014

All contributors combined (Uninspected and excluding iSU) 0.70% 0.79% 0.81% 0.81%

Private-sector employers (Uninspected) 0.74% 0.80% 0.85% 0.83%

Public-sector employers (Uninspected) 0.03% 0.05% 0.04% 0.08%

Pensions 2011 2012 2013 2014

Percentage of personal old-age pension awards** (outside of international agreements and not including periods of insurance abroad) without adjustment of individual account in n-1

78.2% 80.3% 80.3% 79.65%

**indicator introduced in 2009

imPlemenTATiOn OF SOCiAl SeCURiTy POliCieS

*this indicator applied only to Metropolitan France until 2010 (1,834,770 in 2011). rSa benefits were extended to France’s overseas Departments (DoM) beginning in January, 2011, where it replaced the rMi and api benefits.


eCOnOmiC, enviROnmenTAl And SOCiAl PeRFORmAnCe

Overall cost (not including investment) of administering benefits or contributions

2011 2012 2013 2014

health/ Occupational accidents and injuries 3.75% 3.70% 3.66% 3.42%

Family 2.38% 2.29% 2.28% 2.25%

Pensions 1.09% 1.04% 1.02% 0.96%

Collection 0.30% 0.29% 0.28% 0.28%

Social and environmental responsibility 2013 2014

health handicap accessibility rates for facilities open to the public (F17-67) nd 53.7%

Family Percentage of employees with disabilities (6%) 6.99% 7.64%

PensionsPercentage reduction of greenhouse gas emissions compared to reference year 2013

nd -4.19%

CollectionTrend in the number of kilometers covered compared to reference year 2013

nd -9.493%

*gross expenditure not including investment


The general scheme includes 100 CAF (plus the lozère shared social security fund (CCSl) and the maritime family benefits fund (CmAF), 101 CPAm (including the CCSl), 22 URSSAF and 15 CARSAT (old-age and occupational health insurance funds). Sickness and old-age benefits and the collection of contributions in the French Overseas departments are administered by 4 CgSS.

The scheme for the self-employed is administered through 29 basic regional offices.

The agricultural schemes are administered through 35 local offices.

organization chart at 1St July 2015


ministry of Social Affairs, health and women’s Rights

directorate of Social Security

ministry of the economy and Finances


National funds Local funds Names

ACOSS

URSSAF

CNAF

CAF

The Central Agency for Social Security Funds

The Union of Social Security contribution and family bene�t collection organizations General Social Security fund (Overseas Departments)

National family bene�t fund

Local family bene�t of�ces

National Health Insurance Fund for Salaried Workers

Local Health Insurance Fund

Old-age and Occupational Health Insurance Fund

General Social Security Fund (Overseas Departments)

National Old-age Pension Fund for Salaried Workers

Old-age and Occupational Health Insurance Fund

General Social Security Fund (Overseas Departments)

CNAVTS

CRAM

CNAMTS

CPAM

CARSAT

CARSAT

CGSS

CGSS

CGSS

aCoSS redistributes revenues earmarked for financing the benefits provided by the four branches (health, occupational injuries & diseases, family, pensions) of the social security general scheme.

The geneRAl SCheme FOR emPlOyeeS

URSSAF/OC*

Caisse nationale du régime social des indépendants

Caisse centrale de la mutualité sociale agricole

Caisse de la mutualité sociale agricole

Union de recouvrement des cotisations de la Sécurité socialeet d'allocations familiales / organismes conventionnés

Caisse régionale

Caisse d'allocations familiales

Caisse nationale Caisses locales Intitulés

Caisse nationale Caisses locales Intitulés

Recouvrement Retraite

Santé Famille

Accidents du travail - maladies professionnelles

URSSAF/OC*

The Social Security Scheme for the Self-Employed

Central Agricultural Workers' and Farmers' Mutual Benefit Fund

Agricultural Workers’ and Farmers’ Mutual Benefit Fund

The Union of Social Security contribution and family benefit collection organizations/ Official bodies

Regional fund

Local family benefit offices

National fund Local funds Names

National fund

Collection Pensions Health FamilyOccupational illnesses and injuries

Local funds Names


The geneRAl SCheme FOR wORkeRS

The SOCiAl SeCURiTy SCheme FOR nOn-AgRiCUlTURAl SelF-emPlOyed individUAlS

* as of 1 January 2008, the rSi became the single Social Security contact-point (iSu) for self-employed, artisanal, industrial and commercial professions for all personal benefits and social contributions (elderly and illness benefits, CSG-general welfare levy, CrdS-social security debt repayment levy, family benefits and training contributions. The rSi delegates some of its collection duties to urSSaF. For self-employed professionals, the collection of health contributions continues to be delegated by the rSi to authorized bodies that manage health care benefits for artisans, industrialists, shopkeepers and self-employed professionals.** Self-employed workers pay into the CaF of the general scheme.

URSSAF/OC*





Regional fund



National fund


Local funds Names

URSSAF/OC*





Regional fund



National fund


Local funds Names

For more information about the French social security system, go to :

www.securite-sociale.fr

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