CMU de base & URSSAF ...

[Maggie]

After reading the previous thread about CMU de base I also have a question please ... does anybody know if you should / have to contribute to either / both of the above if you are not working, but not of retirement age, and submit a French tax return??

Very many thanks

[Sunday Driver]

CMU is free for those on a low income.  So is CMU complementary insurance.

According to ameli.fr:

For CMU de base:

Vous n’aurez pas de cotisation à payer si le revenu fiscal de référence de votre foyer est inférieur à 7 083 € ; les personnes titulaires du RMI et celles qui bénéficient de la CMU complémentaire sont également exonérées de cotisation.

Under this threshold, you get free CMU.  Over this threshold, you pay cotisations amounting to 8% of your revenu fiscal de reference.

For CMU Complementaire:

Pour bénéficier de la CMU complémentaire, vos ressources mensuelles doivent être inférieures à un plafond qui varie selon la composition de votre foyer-

1 personne = 598,23 €
2 personnes = 897,35 €

Under this threshold, you get free complimentaire cover.  Otherwise you have to purchase your own insurance cover.

 

 

[Maggie]

Thanks very much indeed SD, so it would appear that if you are affiliated with CPAM and submit a French tax return you have to pay CMU base - but what about URSSAF - is that totally separate please?

[Sunday Driver]

[quote user="Maggie"].....if you are affiliated with CPAM and submit a French tax return you have to pay CMU base

[/quote]

If you are resident in France for more than three months, then you are obliged to register for couverture maladie universelle (CMU) with your caisse (CPAM).  You have to pay for this cover and your contributions (cotisations) are determined by your level of income.

However, you only have to pay if your tax return shows your RFR (taxable income less allowances) is over the threshold for free CMU de base.  Otherwise you are classed as being on a low income and therefore you don't pay.

URSSAF is just the organisation which collects your CMU cotisations on behalf of your CPAM.

 

 

[Sunday Driver]

Just re-reading your original post....

[quote user="Maggie"]

...does anybody know if you should / have to contribute to either / both of the above if you are not working, but not of retirement age, and submit a French tax return??

[/quote]

I'm not sure if this is actually a two part question.  If you are asking separately whether you need to submit a tax return then the answer is yes.

 

[Maggie]

Brilliant, that's just what I needed to know - thanks so very much SD - you really are a mine of extremely useful information [:D]

[cooperlola]

post moved

[bikerboy]

Hi

Can someone please advise !

Due to being "inferior" - income being below said thresholds we have complimentary top-up cover from CPAM.

However we have been advised not to cancel our top up cover with MMA (advised by MMA agent) because the basic top up via CPAM does not cover all, particularly dental & optical as well as being somewhat inferior on other treatments.

Can anyone please advise if this is true as we could really do with saving the 112 euros we pay each month to MMA.

[Will]

The 'free' top up is only at a very basic level, though it may say '100%' that is only 100% of the convention. That represents only a small part of several things, including dental and optical bills. Its is an interesting question though because insuring the same risk twice is generally a no-no in insurance, and we are talking about insurance here. Pardon me for asking, but if your income is below the threshold it is surprising that you are paying for what seems like a fairly high-level complementaire - do you have other means (e.g. capital) as well as your income? You don't have to answer that if you don't want to of course, but it does have a bearing on the question.

[BJSLIV]

Another reason for not cancelling is if you are in an area where the doctor won't see patients covered by the free complementaire, due to their extremely slow payments system.