Nicola Posted September 24, 2012 Share Posted September 24, 2012 Hello I am living in France as a dependant on myhusband. He is retired (over 65) , I am55 and our income comes from his pensions and a little rental. We pay tax in France. I am covered for health care with CPAM affiliationthrough his S1. I would like to teachEnglish privately for a few hours a week. Should I register as an autoentrepeneur for this? Are people willing to use the cheque d’emploisystem, for this sort of thing? Can Iremain with CPAM as I would still be dependant on my husband and only workingvery part-time. I wouldn’t want tojeopardize his status and rights.Thanks for any ideas Link to comment Share on other sites More sharing options...
YCCMB Posted September 24, 2012 Share Posted September 24, 2012 Haven't done it myself but I know of one person who does teach English and asks for cheque emploi Link to comment Share on other sites More sharing options...
P-D de Rouffignac Posted September 25, 2012 Share Posted September 25, 2012 Can I suggest that you proced very carefully, and check - including with CPAM, before doing anything official. I am retired and signed up for auto-entrepreneur in 2009 but quickly pulled out when I found my sickness etc cover were transfered to a body called CIPAV (and there's another story!) without my being informed that CPAM were no longer my providers. I only discovered this when I came to use my Carte Vitale some months later, which had been cancelled; and it took another 6 months at least to sort it out, meanwhile I was without any kind of cover. One would assume, from reading the documentation on A-E, that the CIPAV cover (in cases of someone retired) would be extra to CEPAM but apparently it was not. Three years later I am still trying to resolve the CIPAV side of things, as they demanded fixed-sum deductions which do not apply to A-Es - there is considerable coverage of their disastrous service on the website www.auto-entrepreneur.fr (rubrique Charges Sociales, heading 'CIPAV = blag?') which will give you an idea. CIPAV are responsible for sickness and pensions for liberal professions, and mistakenly lumped A-Es in together with their regular fulltime clients. The 'cheque d'emploi' may be the solution for you but I have no direct experience, having had to find an alternative solution in my own case. Hope this helps, and do take care - P-D de R. Link to comment Share on other sites More sharing options...
Albert the InfoGipsy Posted September 25, 2012 Share Posted September 25, 2012 My wife is a language teacher and she works both through AE and cheque emploi associative. She was originally with CPAM and about a year after registering as an AE she was moved to RSI (the main caisse for professions liberales. Her pension contributions apparently go to CIPAV.I am also registered as an AE prof. lib in a different profession. When she was transferred it took a couple of months for the paperwork to sort itself out, but we've never had any problems with RSI or CIPAV that we are not at least partly to blame for. I made a hash of adding an activity at the same time as we moved house and I ended up with two registered locations, which complicated matters.My AE cotisations have covered me for ongoing medication for a heart problem and all the costs of dealing with bowel cancer, including 7 weeks in hospital. Link to comment Share on other sites More sharing options...
Nicola Posted September 27, 2012 Author Share Posted September 27, 2012 Many thanks for your responses and advice. Arethere not a number of hours a week that one can work without changinghealthcare affiliation? If one is still adependant and any income earned as an autoentrepeneur or under cheque d’emploi system is avery small part of the household income, can one still remain affiliated toCPAM? Link to comment Share on other sites More sharing options...
P-D de Rouffignac Posted September 27, 2012 Share Posted September 27, 2012 I think that the reply to your specific question will be that's what auto-entrepreneur was created for, with all the consequences I have outlined. Can I suggest you either visit your local CPAM office or wait for the next visit to your local town of the person from social security - your Mairie can advise. It is essential to get it right, before your commit to any possible change. P-D de R. Link to comment Share on other sites More sharing options...
NormanH Posted September 29, 2012 Share Posted September 29, 2012 The latest noises about AE might well suggest that CESU is the way to go.I was paid like this for several students a few years back, and even got points towards my French pension. Link to comment Share on other sites More sharing options...
Hereford Posted September 29, 2012 Share Posted September 29, 2012 If you go to the pupil's home to give the lesson they can get tax relief on the cost too so long as they use CESU to pay you. Link to comment Share on other sites More sharing options...
Albert the InfoGipsy Posted September 30, 2012 Share Posted September 30, 2012 [quote user="NormanH"]The latest noises about AE might well suggest that CESU is the way to go.I was paid like this for several students a few years back, and even got points towards my French pension.[/quote]Norman,What 'latest noises'? There have been noises about AE pretty much since it started and about 80% of them were never more than noise. It's worth keeping an eye open for the other 20% though. Link to comment Share on other sites More sharing options...
NormanH Posted September 30, 2012 Share Posted September 30, 2012 I was referring to this:http://services.completefrance.com/forums/completefrance/cs/forums/2798626/ShowPost.aspx Link to comment Share on other sites More sharing options...
Albert the InfoGipsy Posted October 1, 2012 Share Posted October 1, 2012 Thanks, NormanI've been working 50 hour weeks recently so most news is passing me by. Link to comment Share on other sites More sharing options...
Nicola Posted October 1, 2012 Author Share Posted October 1, 2012 Reading these posts it would seem that in my particular caseCESU may be the best system to use. However,if I worked, say, a couple of hours a week, would this mean I was no longercovered for health care with CPAM via my husbands S1? Even if I was stilldependent on him financially? Link to comment Share on other sites More sharing options...
Hereford Posted October 1, 2012 Share Posted October 1, 2012 Nicola: You will need to check with CPAM but I was told recently that one must do something like 16 hours a month before CESU or a very part-time job covers healthcare. If that is right then you would be safe on 8 or 9 hours a month. I don't have the number to hand but I think there is still an English speaking helpline for CPAM. Details may be on sticky on Health section.In haste, off to see a Maison de retraite for my Mum! Link to comment Share on other sites More sharing options...
NormanH Posted October 1, 2012 Share Posted October 1, 2012 This may not be applicable to the CESU, but it shows the hours you need to do to obtain cover by working.60 hours a month is quoted.http://vosdroits.service-public.fr/F739.xhtmlavoir travaillé au moins soixante heures, ou avoir cotisé sur un salaire au moins égal à soixante fois le montant du SMIC horaire, pendant un mois civil ou trente jours ;ou avoir travaillé au moins 120 heures, ou avoir cotisé sur un salaire au moins égal à 120 fois le montant du SMIC horaire, pendant trois mois civils ou un trimestre ;ou avoir travaillé au moins 1 200 heures, ou avoir cotisé sur un salaire au moins égal à 2 030 fois le montant du SMIC horaire, pendant douze mois.The common problem is to work enough hours in the required time. Link to comment Share on other sites More sharing options...
Nicola Posted October 2, 2012 Author Share Posted October 2, 2012 Having contacted CPAM I now think that my particular query has been answered as it seems working less than 60 hours per monthor 120 hours per quarter is possiblewithout affecting “ l'ayant-droit”rights to healthcover. Thanks for allthe help and advice. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.