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eleve

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  1. Hi Jacques, I'm the one with a similar situation to you. :) I'm posting the main info from my reply to your PM here, in case it's of use to anyone else. I tried applying with CMU for our family (since my last posts on the forum back in March) but they said there is no way to get anything other than private medical insurance if you are not a salaried employee of a French entity. The lady at the local CPAM desk (which is where I had to go to submit the CMU app) said you'd only need 60 hours of work in the last 30 days in order to successfully submit an application... just FYI. In the end, my husband decided to register our company in France, listing us as French employees of a Canadian company, which includes paying into the health system here. We submitted a form "E0 - Declaration d'inscription d'une Enterprise Employant du Personnel Salarié et ne Comportant pas d'Etablissement en France". We do not know if this works yet, since the application has been ongoing for three months with little movement (we've called twice to follow up). But here are the URLs with the info: The main site: http://www.urssaf.fr/ The best place to start for english speakers is right here: http://www.anglais.urssaf.fr/index.php?option=content&task=blogcategory&id=276&Itemid=5493
  2. "...you should be under the French regime both for paying taxes and, of course, for obtaining your health care (which is what you seem to be most anxious about..." It feels like people are implying (with comments like the one above) that we're trying to avoid paying taxes here or something... when in fact that's not the case at all. If that were the case I wouldn't be here on this forum trying to figure things out. To be fair, you probably aren't aware of the fact that I'm in the process of registering our household with the French tax system - thanks to the non-judgmental info provided by NormanH in the separate thread called Avis D'Imposition, which was supported with a very helpful link to http://www.impots.gouv.fr/portal/dgi/public/particuliers.impot;jsessionid=VP1CF0LO1FFT3QFIEMQCFFWAVARXAIV1espId=1&pageId=part_impot_revenu&impot=IR&sfid=50 I'll register with the tax office first and figure out the rest from there. It is interesting that *none* of the 4 French government officials to whom I related our story (at the two nearest mairie's, CPAM office, and CPAM hotline) told me we needed to register under the French tax regime in spite of having no French employment (and yes, I told them the truth, the whole truth, and nothing but the truth). If I hadn't come across the Avis d'Imposition thread in this forum, I still wouldn't have known. Signing off.
  3. Hi, I just found the address of my local tax office by visiting http://www.impots.gouv.fr/portal/dgi/public/contacts;jsessionid=3VPF0UDPOGWBPQFIEMQCFE4AVARW4IV1?pageId=contacts&sfid=07 -- for anyone else who needs this, just enter your address in the form located under "Vos services locaux" about halfway down the page, then click "Rechercher" and you'll be provided with the address nearest you
  4. These replies feel very hostile, I'm not sure why. Our position is far from illegal. As I explained the company is our own (started in Canada back in the early 90's). Our clients are Canadian and pay us in Canadian dollars. We are paying taxes in Canada. What exactly is meant by "setting up a local entity?" Do you mean gaining French clients who pay in Euros? This is something that will obviously take some time. Regardless of employment or business expansion options, right now we need a way to get health insurance. I suppose the answer being provided here is very simple: Replies are indicating that there is no way to get anything EXCEPT private health insurance in our current position, and that a quote for €399/month for a family of 5 for private health insurance in France is quite average and normal. Have I interpreted correctly?
  5. Hi everyone, I've started a new thread for the health insurance issue, it's called Health insurance for Canadians living permanently in France. Thanks again for your help
  6. Hi there, I'm so happy I stumbled across this very informative forum.  I've been scanning the health section trying to find answers to my problem but our situation is kind of unique so I'm starting a new thread to see if anyone has any idea how we can get reasonably priced health coverage.  Here are the details. - My husband and I moved here from Canada with our kids in Sept 2008 (with my Dutch passport). - My husband has his Titre de Sejour. - We do not work for a French company. - My husband is the sole breadwinner and works for a Canadian company online - It is our own company registered in Canada as a corporation, thus my husband is registered as a salaried employee - We pay income tax in Canada but not in France (because we don't work for any French employer) - We own a property in France which we live at full time, and pay the corresponding property and habitation taxes - 4 of us are still covered under our Canadian health insurance but that will no longer be possible in Sept 2010 (as it is only good for 2 years after leaving the country) - We have 3 children, one of whom was born here in France and so is currently not covered under our Canadian medical insurance - Problems: We currently pay all of our medical expenses out of pocket, on a very low Canadian income. One of us (our baby) has no health insurance at all which would be terrible in case of accident/emergency. The rest of us will have no health insurance after August this year.  Any ideas how we can get reasonably priced health insurance in France?  I applied at CPAM and they said not possible.  I called CPAM's hotline and they told me to go back to the local CPAM office and apply for CMU but I heard from someone on this site that CMU will not be possible either.  I got a quote for private insurance from MMA (with home we have all our other insurances in France) but it was outrageous - it was €399/month which we simply cannot afford.  Please do not respond to this query with "just get a job in France" because we are working on that.  In the meantime, we urgently need health insurance right now.  Any info would be much appreciated.
  7. [quote user="NormanH"]You should  submit a French tax return of you are resident here  even if you don't earn anything here. Read about it here http://www.impots.gouv.fr/portal/dgi/public/particuliers.impot;jsessionid=VP1CF0LO1FFT3QFIEMQCFFWAVARXAIV1?espId=1&pageId=part_impot_revenu&impot=IR&sfid=50 If you wish to declare on paper you can ask for a form from your local tax office, remenbering to ask for the extra form for foreign earnings. The declaration made this year is for 2009, and should include your worldwide earnings. You won't get an 'Avis' before June/July this year, so this won't be any use for the present situation. I presume the 'Avis' required is for the purposes of calculating your contributions so you really need to have some proof of earnings. Do you have monthly pay slips for example, or your Canadian tax return? There are others on the Forum more experienced than I am on the business of living in France and working on-line for a foreign company. [/quote] Thanks Norman, and others. I read through the info on Norman's link above, that was very helpful.  Any idea how I can find my local tax office?  I.e. a website with addresses? As for medical coverage, perhaps I should start a separate thread for that? Not sure about the etiquette. Parsnips - I'm surprised to hear about the CMU not being a possibility - when I called the CPAM hotline a month or so ago, after hearing my story they told me to go to the nearest CPAM office and apply for CMU. I did try your link www.exclusivehealth.com but that domain is currently for sale, so nothing there at the moment but advertising...
  8. Hello, I'm new to this forum. At risk of giving myself away as being a complete imbecile, I need to ask: Am I supposed to be in the French tax system in spite of not working here? My family and I moved here from Canada in Sept 2008 (with my Dutch passport). We still work for a Canadian company (online), so I we thought we didn't have to submit a French tax return. However, right now I'm desperately trying to get medical insurance for me, my husband and my 3 kids via CMU (Couverture Maladie Universelle). The CMU app asks for our Avis d'Imposition (which of course we don't have, and we don't have our Notice of Assessment for 2009 from Revenue Canada yet either) so... here I am stumbling upon this forum. If the answer is yes, we should be submitting some kind of French tax declaration, can you tell me how we go about doing this? Thank you so much for your help.
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