MisterC Posted February 23, 2012 Share Posted February 23, 2012 HiWe moved to France in Oct 2010 and joined the health system at CPAM with my wife's S1 and me as her dependant as I was not then at pensionable age. This March I get my UK state pension and I have received all the bumf plus an S1 of my own. I suppose in the usual way of things I would then go to CPAM (horrific experience I've found in the past) and change the records so I am no longer my wife's dependant. HOWEVER I have just registered as an auto-entrepreneur to do some small scale teaching and I understand that in this situation my healthcare is then organised separately by URSSAF - although I have not heard from them yet. So my question is -what do I do next? Thanks in advance for your help. Link to comment Share on other sites More sharing options...
Sprogster Posted February 23, 2012 Share Posted February 23, 2012 I recall reading a thread elsewhere that suggested setting up under the AE regime close to UK state retirement age was not a good idea, as it then stopped you qualifying for French health care under your S1, which is financially the more attractive route as it costs you nothing. I believe that by setting up an AE and joining via that way you have committed yourself to life long cotisations, even when you are fully retired. Link to comment Share on other sites More sharing options...
AnOther Posted February 23, 2012 Share Posted February 23, 2012 I think sprogster is right.When you reach UK retirement age you should first claim your pension from the country in which you last worked, this is what may trip you up.Of course the treatment you receive will be different in every department in France !I'm slightly confused though, are you saying that DWP have sent you an E121(S1) even before you start to draw your pension, and without asking for it ? Link to comment Share on other sites More sharing options...
MisterC Posted February 24, 2012 Author Share Posted February 24, 2012 Hi AnOtherNo - I claimed for my pension from DWP in January - it's due to start in April and received a letter the other day confirming the amount and enclosing the S1. I realise I'd have to pay cotisations on any income via the auto-entrepreneur scheme (assuming I get any) but will this have a knock-on effect on my pension income I wonder?We were also hoping to let our gite out from this year and I gather I hvae to be an auto-entrepreneur for this as well? Link to comment Share on other sites More sharing options...
NormanH Posted February 24, 2012 Share Posted February 24, 2012 I am still thinking this one out, but had you thought of doing the teaching using the chèque emploi service scheme, rather than the AE?You would then use the S1 to pay for health cover, and simply declare the small teaching income for tax. Link to comment Share on other sites More sharing options...
EuroTrashII Posted February 24, 2012 Share Posted February 24, 2012 But under cheque emploi, both the employer and the employee pay in cotisations ... Link to comment Share on other sites More sharing options...
MisterC Posted February 24, 2012 Author Share Posted February 24, 2012 sorry to seem dense but would I have to pay cotisations apart from on any teaching income? Its music teaching by the way. Link to comment Share on other sites More sharing options...
NormanH Posted February 24, 2012 Share Posted February 24, 2012 I used to do some piano teaching for Doctor's children under this scheme. It was a long time ago, but I had the impression that the côtisations were taken automatically by the Cesu from the cheques, so I didn't have to pay anything else. It is true that both parties pay, but the person giving you the chèque "le bénéficiaire peut toucher une réduction ou un crédit d'impôt sur ses Chèques Domicile, ce qui lui permet, au final, de profiter de prestations de service à tarif fort intéressant."and that it counted towards my French pension. (it showed up on my relevé de carrière) http://www.chequedomicile.fr/les-services-a-la-famille/cheque-domicile-la-solution-pour-acceder-aux-services-daide-familiale-a-domicile/ Il existe divers types de services d'aide familiale à domicile. On trouve notamment la garde occasionnelle, le baby-sitting, les cours à domicile, la prise en charge à la sortie de l'école ou encore la garde à domicile individuelle ou partagée, et la garderie périscolaire. Il est à noter que ces services vont permettre aux parents d'organiser plus facilement leur temps de travail et d'avoir ainsi l'esprit plus libre.This was before the AE scheme was introduced, and since many people have gone down the AE route precisely to get a Carte Vitale, but for you this may be a complication since your health cover will come from the S1All you need is a way of working legally. Link to comment Share on other sites More sharing options...
EuroTrashII Posted February 24, 2012 Share Posted February 24, 2012 I agree cheque emploi is probably the best option if all the OP intends doing is private tuition. But I'd have thought it would bring exactly the same complication as AE, in that it would put him directly into the French healthcare/social security system. Link to comment Share on other sites More sharing options...
MisterC Posted February 24, 2012 Author Share Posted February 24, 2012 Thanks Norman HExactly - I want to work legally. With the cheque-emploi scheme is this specifically aimed at young people? because I'm probably going to have more adult pupils than children and also I would probably work more in my home than theirs. The other problem as I said in an earlier email is that I want to let out our gite from this year and I assume I'd need to be an auto-entrepreneur to do this? Link to comment Share on other sites More sharing options...
NormanH Posted February 24, 2012 Share Posted February 24, 2012 That is what I am not certain about, which is why I said I hadn't thought it completely through. Remember that unlike the AE scheme you have to work a minimum number of hours a week (15 I think)to get into the system if you go down the Chèque Emploi route, another reason why many people whose primary reason for working a bit is to get into the system use the AE which has no minimum number of hours.My instinct would be to get the Health cover on the basis of the S1, and wait and see if the Chèque Emploi complicates things, (unlikely if under the 15 hrs) rather than getting a Carte Vitale from the AE system.This is only true of course because of the closeness to retirement and S1Edit: hadn't seen the last postThe chèque emploi is for services at the person's house, and for things like coaching children. Link to comment Share on other sites More sharing options...
MisterC Posted February 24, 2012 Author Share Posted February 24, 2012 As I haven't started earning anything yet, I think I'll cancel my auto-entrepreneur status via the cfe website and put things on hold - to be honest. it sounds like the amount of trouble with health care/cotisations a small amount of private teaching could cause is just not worth the equally small amount of income I might get from it. I'll then think separately about how to deal with the Gite income. Thanks for all your help Link to comment Share on other sites More sharing options...
NormanH Posted February 24, 2012 Share Posted February 24, 2012 Don't do anything just on the basis of what we say here.We want to help, but are not professionals, just people who have had a bit of experience.The problem with that is that things change, and often in France rules are interpreted differently by different regional offices of the administration... Link to comment Share on other sites More sharing options...
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