Jay
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Posts posted by Jay
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[quote user="Owen"]Hello Bill,Nothing to worry about. If you have not yet received the demand from URSSAF you should not pay or attempt to pay. I am not promoting dishonesty. It is just you have to send off a cut-off slip with your cheque to URSSAF and this identifies you via account number/social security number and the like. But if you do send a cheque not only will it be cashed but you still may receive another demand, in due course, because the slip has not been included. [/quote]
Just got a nice letter today dated 11/1/08 from URSSAF saying we have been
kicked out of the CMU as of 31/12/07.At the end of November we got the usual letters re income, a
letter saying we were out of the system from 31/3/08, a “renouvelle CMU Base” lettertelling us how much we were to pay and an attestation all together (dated 24October).I phoned the English helpline today re the URSSAF letter and
the response was we would need to take out private healthcare. Then I was toldit was probably due to the fact that I had not made a cotisation payment yet. Iexplained that I had not received a letter/slip asking for payment, which did notget a response other than “visit CPAM”.Strange thing is we were at the doctors this week, used our
CV and CPAM have made a refund of the fee dated 16/1/08. We also visited CPAMon Monday 14/1/08 and they said everything was in order and to call again next monthwhen they could give us more details of the 5 year rule and/or the “if you werealready in the CMU you are OK (maybe)” rule. We have been in the CMU for almost five years and lived here for five and a half years.When are they going to get their b****y act together??
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We moved here in 2002 and our E106 was only valid for six month. After a discussion with our (English speaking) CPAM rep we submitted our P60 to prove income (he said that was all that was required + the usual electricity bill etc.) and were issued CV's. Because of my UK government pension I have to pay tax in the UK and assumed that all we needed to produce each year was a P60, we were not told otherwise. We have completed tax returns here since day one but never submitted them to CPAM until last year when we had our forms returned with a covering letter asking for proof of my wife's income. The only proof we had was our joint french tax return which we sent off and it was accepted. I agree with your comments Ron and cannot see why CPAM cannot access individual tax returns, it certainly would make life a lot easier and those not properly "in the system" would be picked up.
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Got a letter from my MEP Graham Walson (SW Region) today. It's a bit late but at least it shows they have been doing their job and it is the only one (of six contacted) that has had the decency to reply. The covering page (Written Declaration by) names Mary Honeyball, Proinsias De Rossa and Bill Newton Dunn. No doubt others have received/posted similar results but I thought I would post it anyway.
Written declaration on health care provision for European citizens residing in another Member State
The European Parliament,A. whereas EU law upholds the right to freedom of movement and freedom of residence across the European Union,
4. Calls on Member States to uphold the principle of reciprocity of health care provision; further Calls on Member States not to make changes to health care provision that will deny EU citizens who are non-nationals access to state health care;
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Maybe they have not changed their minds regarding those already in the CMU. Macfai sent me this link which may be of interest:http://frenchhealthissues.eu/latest_news/residents_to_stay_in_cmu%205-11.htmThis looks like a political ploy, take away a lot and give back a little - keep the masses happy.
Residents to stay in CMU?
5th November 2007
Internet French Property have today announced that a "Ministerial
Cabinet of senior civil servants have agreed in principle to allowing'inactive' expats living in France as at 30th Sept 07, and alreadyregistered with the State health insurance system (the 'CMU'), toremain in the system. The matter is now being considered by the Frenchhealth insurance body.We must stress that there has been no official confirmation of this
news. We would also add that, if correct, this would still seem toexclude those UK nationals resident in France who are presently coveredby forms E106.For the full article, click
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[quote user="woolybanana"]Jay, just a thought, is it possible to share with us your notaires naughtinesses? Both out of interest and as a warning to other Brits.[/quote]
The Notaire we used was very slow in response to both the
French family and ourselves requestingan early completion date. When pushed he had us all go in and sign the papersand we were given the keys. Three months later we did not have any documentationto say we owned the property. When I spoke to the French family they said thematter was not finalised and they had not received any monies. Frequent visitsto the Notaire’s office revealed he had not completed the transaction and therewas a dispute with a member of the family (the previous owners bit on the sideand their 13 year old daughter). A judge in Paris became involved (acting onbehalf of the minor). After 3 yearswe still had no paperwork, the family did not have the money and I needed a loan from the bank to renovatepart of the property as a Gite. The loan was delayed as the Notaire could notsign the paperwork since the propertywas effectively still not ours.I contacted the Notaire’s Association with a complained and
asked for compensation for loss of business. He was investigated and found tobe somewhat lacking. I didn’t get any compensation but we got completion, wegot the loan and the Notaire was fired. Not a bad result. -
Looks like you people had some bad experiences. Just to show
it’s not always like that I thought I would let you know the outcome of ourpurchase.We signed the papers after having a look at the property the
week before to make sure it had been cleaned out and the rubbish removed. Onthe day of the signing the French family (all 10 of them) invited us to dinnerand apologised for not cleaning out the barn and asked if we would accept aload of good quality wood and floor tiles if they could leave it as is, whichwe accepted. We even found a stash of 40 bottles of vintage wine which they hadmissed. Since then the family have kept in touch and we get an occasional visitto see what we have done with the place.Now that rogue of a Notaire we used is a different matter! We
complained to the Notaire Association and eventually got him struck off for unprofessionalconduct. -
Just spoke to the English helpline and they say they have not had any information as yet regarding the "5 year rule" and suggest ringing back in 2 weeks.
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Received a letter from l'Assurance Maladie today 31/10/07 which I have copied below. We have been in France for 5 years and have Carte de Sejour dated November '02, we also have filled in tax forms here since day one. It would seem from this the 5 year rule does NOT apply. Anyone else in a similar situation?
J'ai bien reçuvotre courrier du 04/09/2007... présentant une demande de renouvellement dubénéfice de la CMU.
Je vous informequ'en raison de l'évolution du droit communautaire, les conditions d'accès à laprotection sociale des ressortissants communautaires « inactifs » ont étémodifiées. Aux termes de la directive communautaire n° 2004/38/CE du 29 avril2004 transposée dans notre législation nationale par la loi n° 2006-911 du 24juillet 2006 et le décret n° 2007-371 du 21 mars 2007, votre droit au séjourest soumis à deux conditions : être préalablement bénéficiaire d'une assurancemaladie et disposer de ressources suffisantes.
Cette nouvelleréglementation ne permet plus à la Caisse Primaire d'Assurance Maladie de laCharente de renouveler vos droits à la CMU. Je vous invite donc à contracterune assurance privée afin de garantir votre prise en charge.
A titretransitoire, votre couverture maladie est néanmoins maintenue par la caisseprimaire jusqu'au 31 mars 2008 afin de vous permettre d'accomplir toutesdémarches utiles à votre affiliation auprès de l'organisme privé de votrechoix.
Je vous invite àvous adresser à nos services afin qu'ils procèdent à l'enregistrement de cesdroits temporaires dans votre carte vitale.
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I wrote to my (UK) MEP's regarding the changes to the health system and got two replies. Make of them what you will:1) received 18/10/07
Netia Carr (Mrs)
Secretary to Giles Chichester MEP
and
2) received 19/10/07
Thank you for your email to Graham Booth MEP and as he is currently away from the office he has asked me to reply on his behalf.
With kind regards
S Palfrey
Assistant to Graham Booth MEP
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JJ - If the changes were aimed at French Nationals we wouldn't be discussing this. The country would be at a standstill, there would be riots in the streets and burning of cars in Paris!!
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"you can only prove residency which is determined by tax returns"
We moved here in August 02 and into our home in the
November. Our CdeS’s were issued the same month but the start date was not tillMay 03 and they expire in June 08 (i.e. after the 5 year period).Coincidentally (or not as the case may be) our E106 ran out in the May of 03and we joined the CMU at that time and were issued a CV. Like others here Ithought (because of the double taxation thing) that it was not necessary tocomplete a tax return immediately as we paid tax in the UK. However in theJanuary of 03 I received a tax form then shortly afterwards a registered lettertelling me I had 30 days to complete the return or else!My point is that I am not totally convinced that determining
the date for residency is wholly concerned with the date you filled in yourfirst tax form or the date of issue of a CdeS. In my opinion it will be a muchmore complex operation. In my case I feel the only reason a tax return wasissued so speedily was the fact that CPAM required proof of income. It could beconstrued that we were resident in 02 (tax return related to that year), orJune 03 (the date our CdeS was issued) or in fact the date we joined the CMU. Weconsider it to be November 02 when we moved into our home. All in all it isbound to be complex and many of us will have a fight on our hands as no doubtthe onus of proof will be on us. Even a few months without a CV could be veryexpensive. -
Seems the "good news" newsletter on the IFP website has been removedhttp://www.french-property.com/newsletter/2007/10/1Let's hope they haven't changed their minds!
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That is excellent news for those of us who have been here for over 5 years, let's hope it becomes reality. We must continue to fight for those who may not be as fortunate.
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Has anyone here actually had their Carte Vitale revoked or
had a letter from an official source saying they will no longer be coveredafter 1st October? It seems to me that if the new regulations are tocome into force in just four days time those of us affected would have at leasthad some communication from the powers that be.I completed the “CMU declaration de revenus” as usual at the
beginning of this month and have not heard anything further from them.Like many people here I have written to my MEP and am
awaiting developments, all in all a worrying time, particularly for those whohave serious ongoing medical problems.
BREAKING NEWS ON EXPAT HEALTH COVER
in Changes to Healthcare Entitlement, CPAM, CMU and Cartes Vitales
Posted