groslard
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Posts posted by groslard
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[quote user="Helen"]
Since most medical insurance in France up to now has been for top ups, where preexistant illnesses aren't taken into account, the problem probably hasn't arisen.????
[/quote]It has for Life Insurance, and Doctors are under a certain pressure. -
I remind you that under the E121 the 'home' nation pays to the 'host'French pensioners pay CSG and CRDS on their gross pension if they are fiscally resident in France, and covered by one of the 'régimes' of Health Insurance.(Vous êtes concerné par leprélèvement de la CSG CRDS si vous êtes domicilié fiscalement en France et àla charge d’un régime obligatoire français d’assurance maladie.) If they are living abroad and are still covered by the French (as with an E 121) they no longer pay CSG and CRDS, but then pay contributions to the Sécurité Sociale.
(Vous êtes concerné par le prélèvement de la cotisation maladie :
- si vous êtes domiciliéfiscalement hors de France et que vous relevez à titre obligatoire d’unrégime français d’assurance maladie)
That is to say that France is the source of their Health cover, as with an E 121Either way they pay.Source: L'Assurance Retraite -
[quote user="Russethouse"]
So groslard - are you now saying that you are going to discriminate toward pensioners to force ALL of them to live in the country they contributed in ?
[/quote]Nothing to do with forcing people where to live.It's about having the same system with the same benefits, but also the same obligations..French people pay all their working lives into the Health system, then continue after retirement.UK pensioners don't.My argument is that either a)both French and UK nationals should pay social security contributions in their own countries all their lives (the E 121 handles the transfer of funds) orb) UK nationals should not expect parity with the French. -
[quote user="Sunday Driver"]
"All pensioners are subsidised by those currently paying taxes and contributions, regardless of whether they hold an E121"
But those who stay in the UK are only a cost to the NHS if they are ill; those who have taken the personal decision to come to France, and benefit from what is arguably a better service, are expecting the UK to cough up over 3000 euros a year in subsiding the costs of their decision.
"Charges paid by the French (or anyone else) during their working lives are used to fund the heath service available at the time, not to provide cover for when they retire."
Exactly my point about contributions paid previously in the UK. They were for that time
"Unlike the DWP contributions for E121 holders, their 8% of pension does not go anywhere near covering their potential healthcare costs, so they are also being effectively subsidised by the working population. "
It is always the case that contributions might not cover potential healthcare costs, but the difference is that a French pensioner pays a contribution, and a UK one doesn't
"As far as younger French people subsidising their mutualle - don't we all benefit from them, retired French included?"
The difference is that retired French paid into their Mutuelle when they were young, and so have earned the right to benefit now . UK pensioners didn't pay.
"That's the whole purpose of such mutually based funding systems."
The purpose is that you pay into a scheme when you can, and are helped when you need it. Not that you help yourself after all the hard part has been done by other people
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[quote user="Boiling a frog"].All EU citizens are entitled to an E121 if moving to another EU country and of pensionable age.[/quote]But other EU citizens continue to pay Social Security payments (National Insurance). UK pensioners don'tMy campaign is that UK pensioners in France be treated exactly the same as French pensioners.
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[quote user="FurryKnickers"]
[quote user="Mr Tivoli Blue"]The way of life is just so much better than in the multicultural, politically correct, GB.
Gerry[/quote]What have you got against a multicultural society?
[/quote]Strange that he should know so much about France..In my building we have (for religions) various shades of Muslims, a Russian Orthodox, and a Jew. (apart from me who is agnostic)For ethnic origin we have Africans (North and sub-saharan) Eastern Europeans, borderline Europeans (Turkish people) a Wanderer...Are you still sure you want to live in France? -
To say "Until 1st October 2007, . Comprehensive health insurance was not even an option. "is not trueThe correct version would be that "for the limited period between 2000 and 2007 UK nationals wishing to become resident in France were obliged, under French law, to affiliate, and where appropriate, contribute to the CMU.For those resident before 2000, Private Health Insurance was an option which was temporarily withdrawn, and will become an option again."
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[quote user="oakbri"]
I don't know if the guy is a retard or just hates foreigners.
[/quote]Is "retard" a technical term? -
[quote user="Clair"]From what I have read so far, there is no exemption for ALD sufferers.As things stand, medication and medical acts related to ALDs are already listed seperately on prescriptions and therefore, are already exempt from charges. In effect, these will remain exempt, but each unrelated medication and medical act will be subject to a franchise médicale.[/quote]I'm not sure that this is right.I think that the franchise médicale is applied both to ALD related and none related medication and medical acts.The difference is that the ALDs are paid at 100% minus the franchise, but the others are only paid at the normal level, again minus the franchise.
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[quote user="Scooby"]
Thats the negative side S.
The positive is that we all keep an eye on each other. Looking after each others properties and animals when anyone is away. Looking out for the old lady who lives on her own. Dropping in for coffee, helping out with heavy jobs, the list is endless.
I never feel like I'm being spied on, but then I've got nothing to hide ......[:)]
[/quote]If anybody thought I was away from home it would be burgled in a day! a few weeks ago there was the corpse of an old man taken out of a flat 200 metres from me , who had died of gangrene in his legs, which meant that he couldn't get out..and the landlord didn't need to call for the rent as it was paid directly from the CAF.The quarter is infested with semi-feral cats that nobody wants, and the only way to get a job done is to pay a 'sans papiers' cash.I think some people live in a France that exists only in the imagination. -
You have your finger on the pulse ErnieYI wasn't quite accurate when I talked about withdrawing the E121..it may be applicable elsewhere in EuropeWhat I was thinking about is granting it free to UK pensioners, who therefore get the large part of their health care free, as opposed to French people who continue to pay 8% social security charges after retirement.So I was more thinking on the lines that a Future UK government might ask British retired people abroad to pay NI contributions to off set this concession
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[quote user="Sunday Driver"]
I think Bugbear's point was that having paid NI contributions all of time whilst resident in the UK, these entitle you to a state pension which also comes with an E121 which gets you access to the French system with your state insurance costs paid for by the UK.
[/quote]
Exactly! your costs are paid for by the UK, without you paying any Social Security contributions either in the UK or in France, despite the fact that entitlement to NHS cover is normally by residence, and has nothing to do with how many years you have paid.
In France retired people continue to pay around 8% of their pension in contributions, because here Health cover is dependent on continuing to contribute.
As for the 'top-up' retired Brits get it at the low rate available here thanks to the Subscriptions paid to the Mutuelle by young, healthy French people who don't take out as much as they put in.
So in both cases UK pensioners on an E121 are being subsidised threefold: once by people paying NI contribitions in the UK, once by the French who have paid much larger charges during their working lives to have the present service, and once by younger French people who are subsidising their Mutuelle.Please think about that when complaining that the French are being unfair. -
Sounds as if you had better weather than in the LanguedocWe had a big storm:Ailleurs, en Languedoc-Roussillon la tempête n'auraprovoqué que peu de dégâts : clôtures, cheminées ou tuiles emportéesici et là, chutes d'arbres, 400 foyers privésd'électricité Les fortes précipitationsont provoqué la montée des cours d'eau, notamment de l'Hérault et del'Orb. A Béziers, le fleuve est monté jusqu'à 10,59 m alors que la cotede crue est de 11,50 m. Deux rues ont été bloquées à Valras.http://www.midilibre.com/articles/2008/01/05/20080105-FRANCE-MONDE-Meteo-La-region-lessivee-mais-tres-peu-de-degats.php5
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[quote user="Tj"]
Finally I would implore all posters replying to initial enquiries such as this thread, do not be negative without knowledge......
[/quote]Sure: but I have lived in a quarter like the two I mentioned above for well over 10 years.In my building there is an Algerian girl who has just had a baby by a Turkish illegal immigrant. This has the incidental advantage of giving him the right to stay in France, and her the right to various allowances, but has little advantage for their neighbours since the two families are not entirely happy with the 'match'The building opposite was torched by a Gypsy drug dealer because the girl who lived in the ground flood flat owed him money.And we have had a murder and suspicious death in the last year.Is that being negative with or without knowledge?I repeat I am not in the slightest bit racist, and personally I am happy here.But it wouldn't suit everybody in search of the French 'Dream' -
I love the music on this site, which is legal to listen to, and has an eclectic range:here are some wonderful East European voices
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[quote user="Bugbear"]
[quote user="groslard"]
so they weren't paying in in France?[:)]
What have past payments got to do with the present? It's not a savings scheme[/quote]We'll try a little quiz then and I'll keep the question really simple for you.
Ready ?
Question 1.
What does France receive from the UK in regard to E121 holders who currently live in France ?
Answer.
[/quote] A fixed payment towards medical expenses for the holder, which is paid for out of the budget for the NHS intended for UK residentsWhen you leave Britain you are no longer resident, and you choose to leave the NHS.If you go to the USA do you think your past contributions in the UK will pay for your Health care?I answered yours..how about answering mine? -
[quote user="Tj"]Who is this groslard? everything he or she says is negative. I see the psotings stared on 26/12/07 and are already over a 100. Probably all misleading, negative and incorrect. I do not know of anywhere in France that fits the description. Is it a wind up or am I reading groslard wrongly as big fat....[/quote]Groslard could be translated as 'fatso'..I am fat.If you haven't read the postings please don't generalise.Does your ignorance of parts of France (such as the quartier St Jacques in Perpignan)mean that they don't exist?Or am I imagining the Quartier de la Devèze at Béziershttp://www.youtube.com/watch?v=2Qco4T6NYWw&feature=related?
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[quote user="Bugbear"]
[quote user="groslard"]
If you want free Health Cover in France be a Brit in a UK Old Age Pension.Everybody else pays up[:D][/quote]I'm beginning to wonder if you are actually of this planet groslard. What do you think that current holder of 121's have been doing for the last 40 odd years.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Paying into the UK system to ensure provision of healthcare.
Is this actually starting to sink in ?
[/quote]so they weren't paying in in France?[:)]What have past payments got to do with the present? It's not a savings schemeWhen you leave Britain you are no longer resident, and you choose to leave the NHS.If you go to the USA do you think your past contributions in the UK will pay for your Health care? -
[quote user="powerdesal"][quote user="groslard"][quote user="makfai"]
Which bits on the FHI site are wrong?
By the way...UK is not just a residence criterion as you will see from the FHI site.
[/quote]a simple example: "Until 1st October 2007, UK nationals wishing to become resident in France were obliged, under French law, to affiliate, and where appropriate, contribute to the CMU. Comprehensive health insurance was not even an option. "Absolutely not true!I paid Private Health Insurance from 1995 to 1998, when I qualified for the Sécu (NOT the CMU) by cotisations..And I have never been affiliated to the CMU.[/quote]Are you saying that private health insurance was an allowable option after the 2000 ruling?My understanding is that early retired immigrants from UK had, BY LAW, to be affiliated to the CMU and that PHI was not allowed. Am I wrong?A simple yes or no to each quesion will suffice.[/quote]No they could work, or run a business.the only had to join the CMU if they didn't want to do that, so it was a choice to remain idle.Remember these are people under retiremernt age by definition. and that PHI was not allowed.True -
[quote user="sweet 17"]Here we go again, FREE health cover.........What about the top-up?[/quote]That doesn't go to the Sécu..It's a private insurance you pay if you want to ( but don't have to) to cover the part everybody has to pay one way or another...So French pensioners pay 8% of their pensions plus the top upBritish pensioners on an E121 don't pay the 8%, they only pay the top up, which is cheap because a lot of young French people who don't take much out of the system are also paying into it.That's why it is called a 'Mutuelle'..a Co-operative if you like..
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[quote user="cooperlola"]
Yes, you might well, Benjamin, if you have even a very limited French pension history:
[/quote]You would get Health cover, but be liable for 8% cotisations on your income, including that from abroad.Plus you will never get an E 121If you want free Health Cover in France be a Brit in a UK Old Age Pension.Everybody else pays up[:D] -
[quote user="Logan"]
[/quote]That bit is true. In the middle of a three month stay in Eastern Europe last summer I suddenly found that I couldn't access my bank (Crédit Agricole) website, to get my balance etc.I sent them an email, and they said that the postman had reported that 'I no longer lived at the address on my account' so could no longer access the website: the only way to get back on was to call into my local branch, not easy to do from the Black Sea!It turned out he had knocked at the door with a package, and because I wasn't there, and the neighbour hadn't seem me for a few weeks, he had reported me as missing, and this had got a far as the bank. -
[quote user="raindog"][quote user="groslard"]There is also a high degee of poverty, and a 40% population of Arabs in some areas.If you are happy with that, Welcome![/quote]It's actually illegal in France to release population percentages based on skin colour or race so i'd love to know where you got this figure of 40% from. [/quote]It's called living here for a long time, not reading magazines or quoting statistics.Where I live there are no other Europeans, except some Romanian gypsies.I don't have a problem with this, but it needs to be explained to innocent buyers..Unlike some people on here (agents and those who get a commission from them for selling the 'French Dream' ) I have no self-interest in promoting the idea of buying a property in France.
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This year it was about late June for a few days.I went to the Black sea to get a proper summer
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in French Language
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