Mac Posted October 27, 2012 Share Posted October 27, 2012 These may be silly questions but I tried to find something on the forum which had this info on but couldn't.a-What do social charges cover? b- Does everyone pay (if for example you have private health cover do you still pay all of the charges?)c. How is it assessed?I don't remember this being a big subject in all the books I read prior to deciding to move to France. Don't get me wrong-it's not a problem (yet!!) to pay if we need to,I am just interested in how the figure is arrived at. Link to comment Share on other sites More sharing options...
NormanH Posted October 27, 2012 Share Posted October 27, 2012 It varies enormously according to your status (employed, self employed, retired) and the sector you work in (farming the professions etc)A typical list of the charges paid for a workerhttp://www.entreprises.ccip.fr/web/reglementation/developpement-entreprise/droit-social/charges-socialesThese are % Of course if you are retired on a UK pension and your health care here is paid by an S1you have nothing to pay. Link to comment Share on other sites More sharing options...
mint Posted October 27, 2012 Share Posted October 27, 2012 [quote user="NormanH"] Of course if you are retired on a UK pension and your health care here is paid by an S1you have nothing to pay.[/quote]I've got to dispute that statement, Norman.You might not pay social charges on your health care but you DO pay it on other things as we have discussed on Nell's recent thread.http://services.completefrance.com/forums/completefrance/cs/forums/2811075/ShowPost.aspx Link to comment Share on other sites More sharing options...
NormanH Posted October 27, 2012 Share Posted October 27, 2012 Crossed wires. I meant you don't pay charges on your pension. I have no idea how the wealthy with additional sources of income are made to squeal [:D] Link to comment Share on other sites More sharing options...
parsnips Posted October 27, 2012 Share Posted October 27, 2012 [quote user="NormanH"]It varies enormously according to your status (employed, self employed, retired) and the sector you work in (farming the professions etc)A typical list of the charges paid for a workerhttp://www.entreprises.ccip.fr/web/reglementation/developpement-entreprise/droit-social/charges-socialesThese are % Of course if you are retired on a UK pension and your health care here is paid by an S1you have nothing to pay.[/quote]Hi, Most other investment income ie bank interest , dividends , capital gains etc, and french rental income pays at 15.5% (with no tax free allowance). If your health care is paid under S1 by the UK , you receive little or nothing in return ; best to regard it as what it is --just another bl**ding french tax. Link to comment Share on other sites More sharing options...
Nell Posted October 27, 2012 Share Posted October 27, 2012 [quote user="NormanH"]Crossed wires. I meant you don't pay charges on your pension. I have no idea how the wealthy with additional sources of income are made to squeal [:D][/quote]I wish !!!! Link to comment Share on other sites More sharing options...
idun Posted October 27, 2012 Share Posted October 27, 2012 Does it matter what age someone is if they are working? We have been told that IF we work in the UK then the current S1(E121) from France will be no longer valid and that we'd be under the UK rules, surely this works vice versa? Link to comment Share on other sites More sharing options...
cooperlola2 Posted October 29, 2012 Share Posted October 29, 2012 Well, as I have posted elsewhere, our/my income is purely private pensions (actually ex-BR) and the levy is 6.6% for Contribution sociale generalisee, and 0.5% for le remboursement de la dette sociale. These two thus add up to more than the total for income tax which is 6.28%, and benefits from a 10% abattement special before being calculated. The total is about 13.4% of the income, therefore.I am 64 in a couple of weeks, so have one more year of paying URSSAF charges, too - these have already been recalculated since my recent changed status - so that's one bill that has dropped slightly, being for the current year rather than in arrears.Deb understood all this stuff, no doubt! Link to comment Share on other sites More sharing options...
Mac Posted October 30, 2012 Author Share Posted October 30, 2012 Thanks for the answers but still interested to know-what do the social charges pay for and if I have private health care ( not old enough to get OAP and not working) do you still have to pay ALL the social charges? We rent out our UK home and I think that is included in calculations for the amount. Link to comment Share on other sites More sharing options...
NormanH Posted October 30, 2012 Share Posted October 30, 2012 I told you what they pay for! The whole social security system. There is a list at the site I linked tohttp://www.entreprises.ccip.fr/web/reglementation/developpement-entreprise/droit-social/charges-socialesThe point is that there is no direct link between what you pay and what personally get.There are two sorts of charges: 1) those which contribute directly to things like retirement, unemployment benefit etc, all the things on the list. If you were working and paying these charges you might feel you might benefit from them one day if you were unemployed, needed housing benefit, had an accident at work etc.If you are not working or running a business you won't be paying these charges.2)The two 'killer' charges which are there mainly to reimburse the debt of the Social Security system and which in themselves confer no benefits.These are the CSG and the CRDS and they are levied on workers, pensioners and on income from capitalhttp://vosdroits.service-public.fr/F2329.xhtmlThese are the ones you are probably talking about, but as they don't directly go to pay for health care, and don't give you any cover, the fact of paying private health insurance is irrelevant. You may have to pay them but no-one gets anything directly back from them. Link to comment Share on other sites More sharing options...
suein56 Posted October 30, 2012 Share Posted October 30, 2012 [quote user="Mac"]Thanks for the answers but still interested to know-what do the social charges pay for ...[/quote]When Sarcozy was around I used to think - as I wrote out the cheque for our contributions sociales payment - s*d the repayment of the social debt - it seemed as though OH and I were paying for the very expensive presidential airplane. It was pointed out to me that it was considered more economical and more secure for Sarcozy/Hollande to travel safely in a private plane. My thought then was they could hire a plane if it was needed - surely that would be cheaper. But this is France and presidents of France don't do cheaper. So we pay.Sue Link to comment Share on other sites More sharing options...
idun Posted October 30, 2012 Share Posted October 30, 2012 What's it for? Well, the ones that stung the most, as far as I am concerned are the CSG etc which were brought in to help pay off the terrible black hole which is the health care budget. And basically was a stealth tax and that is how I still look upon it. Little seemed to happen to make the health service more efficient and stop money being wasted and until that is sorted out I don't know how they can stop this deficit getting bigger and bigger. One thing did work though[Www] these taxes were to 'get' as many people as they could to pay towards this......... and from the looks of it, they have! Link to comment Share on other sites More sharing options...
Mac Posted October 31, 2012 Author Share Posted October 31, 2012 Thanks for all the answers. Seems it's just the price you pay for living in France. Still now we know we have to pay this every year we can budget for it. Link to comment Share on other sites More sharing options...
crabtree Posted November 1, 2012 Share Posted November 1, 2012 I normally pay around 75€ for social charges in relation to our gite income.However this year it has come through for 275€, which I assume is for my UK pension (which should be exempt).I have written contesting this part of it, so waiting to hear.However, the date for payment is by 14th November.So, if I don't hear back from them by 14th, do I pay or wait until I hear from them? Link to comment Share on other sites More sharing options...
NormanH Posted November 1, 2012 Share Posted November 1, 2012 If you can I would pay and wait for the rebate,.That would avoid getting demands for 10% more, and other hassle.If you are right you will get it back eventually. Link to comment Share on other sites More sharing options...
NormanH Posted November 1, 2012 Share Posted November 1, 2012 I found this link which might be useful to the original poster, and which I had forgotten [:$]http://www.french-property.com/guides/france/finance-taxation/taxation/social-security/social-welfare-levy/ Link to comment Share on other sites More sharing options...
crabtree Posted November 1, 2012 Share Posted November 1, 2012 [quote user="NormanH"]If you can I would pay and wait for the rebate,.That would avoid getting demands for 10% more, and other hassle.If you are right you will get it back eventually.[/quote]OK thanks. Link to comment Share on other sites More sharing options...
mogs Posted November 1, 2012 Share Posted November 1, 2012 We've not yet had our bill through, should I chase them up or are they late in sending out the demands? Link to comment Share on other sites More sharing options...
NormanH Posted November 2, 2012 Share Posted November 2, 2012 Neither have I. In this region all the bills tend to be a month later (taxes foncières only just arrived, no taxe d'habitation yet) so I haven't panicked. Can't speak for where you live though. Link to comment Share on other sites More sharing options...
woolybanana Posted November 2, 2012 Share Posted November 2, 2012 Tax d'hab came through a couple of days ago. Very reasonable for once. Link to comment Share on other sites More sharing options...
Albert the InfoGipsy Posted November 2, 2012 Share Posted November 2, 2012 Our taxe d'hab came through this week. 20€ a month lower and we got a rebate too.[:-))] Link to comment Share on other sites More sharing options...
NormanH Posted November 2, 2012 Share Posted November 2, 2012 [quote user="Albert the InfoGipsy"]Our taxe d'hab came through this week. 20€ a month lower and we got a rebate too.[:-))] [/quote]RESULT [:D] Link to comment Share on other sites More sharing options...
allanb Posted November 16, 2012 Share Posted November 16, 2012 I understand that a UK state retirement pension is subject to the CSG, unless you can produce an E121 or equivalent. Is a UK public-service pension treated the same way?(I'm talking only about social charges – not income tax.) Link to comment Share on other sites More sharing options...
NormanH Posted November 16, 2012 Share Posted November 16, 2012 I believe that a public-service pension from the UK is exempt from CSG even if you don't have an S1, but as usual parsnips and Sunday Driver are the best people to answer.This pagesays" If you are in receipt of a 'government service pension' taxed in the UK you also escape the social charges by virtue of the Double Taxation Convention between the UK and France, as under the DTC the social charges are considered to be a 'tax'." Link to comment Share on other sites More sharing options...
Debra Posted November 16, 2012 Share Posted November 16, 2012 Yes that's true whether it's taxable in the UK or not. The governments reserve the right to tax their own pensions and social charges are defined as a tax under the double taxation treaty. Link to comment Share on other sites More sharing options...
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