Directorate of Social Security. Key French Social Security Figures,

Transcription

1 Directorate of Social Security Key French Social Security Figures, 2013

2

3 KEY FRENCH SOCIAL SECURITY FIGURES, edition

4 CONTENTS The French social security system Social security revenue The health insurance branch of the general scheme The occupational injuries and illnesses branch of the general scheme The old-age insurance branch of the general scheme The family branch.. Financial situation. Social security schemes for the selfemployed and agricultural sectors.. Quality and effi ciency programs... Social security public service performance... Social security institutions organization chart

5 THE FRENCH SOCIAL SECURITY SYSTEM T The French social security system was founded in 1945 in order to ensure that everyone should have the means required to support themselves and their family in decent conditions, under all circumstances. 1 It is based on the principle of solidarity which guarantees financial protection against life s contingencies for everyone. It covers health insurance, compensation for occupational injuries and illnesses, pensions and family benefits. These four main branches of the social security system are completed by the collection of social contributions and cash management. The French social security system is underpinned by the principles of universality and unity. It is administered through a number of different basic schemes: the general scheme for employees and the unemployed; agricultural workers' and farmers' scheme managed by the CCMSA; and the RSI scheme for the self-employed which covers the craft, trade and commercial sectors, and independent professionals for health insurance. Other, 'special' schemes cover specific professions such as civil servants and railroad and utility employees. The general scheme alone accounts for about three quarters of the total expenditure incurred by the basic social security schemes. In 2013, total net expenditures amounted to billion euros for the general scheme and are estimated at billion euros for all schemes combined in the most recent amending Social Security financing bill. The French social security system is financed by social contributions paid by employers and employees, a general social welfare contribution (CSG) and various other contributions and taxes. While opinion polls show overwhelming public support for the social security system, there tends to be only a limited understanding of how the system functions and the huge flows of money in the system. This document aims to fill the knowledge gap by presenting key figures on the French social security system and providing a better understanding of it has evolved over time and the issues faced today. 1 Explanatory statement from the French decree of 4 October 1945 establishing the social security system Key French Social Security Figures, 2013 / 5

6 SOCIAL SECURITY REVENUE The ACOSS (central agency of social security funds) is in charge of the social security general scheme s cash operations and manages the URSSAF which are responsible for the collection of social contributions. 9.5 million contributor accounts managed in billion euros in revenues collected in General scheme consolidated products totalled 324 billion euros in Key French Social Security Figures, 2013 / 6

7 BREAKDOWN OF THE PRINCIPAL CONTRIBUTORS IN ,0 % 46,1 % 44,9 % Source: Social Security Accounts Commission, June 2014 HOUSEHOLDS COMPANIES PUBLIC ADMINISTRATIONS STRUCTURE OF REVENUE IN ,1 % 6,6 % 1,2 % 58,2% CONTRIBUTIONS CONTRIBUTIONS COVERED BY THE STATE CSG 20,1% TAXES AND DUES (NON CSG) TRANSFERS 0,8% OTHER INCOME Source: Social Security Accounts Commission, June 2014 Key French Social Security Figures, 2013 / 7

8 STRUCTURE OF REVENUE BY BRANCH IN ,7 % CNAM (health) 1,8 % 1,7 % CNAM (occupational injuries and illnesses) 1,0 % 2,9 % Source: Social Security Accounts Commission, June ,1 % 47,0% 96,1% 0,6% CONTRIBUTIONS CNAF (family benefits) CNAV (old age) CONTRIBUTIONS COVERED BY THE STATE CSG 15,4 % 1,0 % 25,5 % 0,2 % TAXES AND DUES (NON CSG) TRANSFERS OTHER INCOME 17,9 % 1,0% 64,7% 11,0 % 0,8% 62,5% EMPLOYEE AND EMPLOYER SOCIAL SECURITY CONTRIBUTIONS Source: Directorate of Social Security As of 1 st January 2014 As a percentage of gross salary Employer Employee Total Social security contributions Health insurance 12,8 % 0,75 % 13,55 % Old-age insurance Below ceiling 8,45 % 6,8 % 15,25 % Above ceiling 1,75 % 0,25 % 2,0 % Family benefits 5,25 % - 5,25 % Occupational injuries (average) 2,38 % - 2,38 % Other contributions CSG - 7,5 % 7,5 % CRDS - 0,5 % 0,5 % Below ceiling refers to the contributions paid on that part of the wage which is below the social security capped limit (3,129 euros gross per month as of January 1st 2014) as opposed to above ceiling meaning contributions to be paid on the entire wage. Only those contributions collected for the pensions branch are calculated on the capped wage. Key French Social Security Figures, 2013 / 8

9 TRENDS OF ACTUAL EMPLOYER CONTRIBUTION RATESAT MINIMUM WAGE LEVEL (SMIC) (AS A PERCENTAGE OF GROSS SALARY, ) Source: Directorate of Social Security Note on the graph: Calculations are made based on a Parisregion business with more than 20 employees having adopted the 35 weekly hours system in January 2000 (dotted) or having kept the 39-hour system (block color). 50 % 45 % 40 % 35 % Single reduction (Fillon) 30 % 25 % 20 % 15 % 10% 5 % AF exemption Juppé exemptions 1, 2 and 3 Aubry II structural aid in case of 35-hour work week Total Other contributions Social security 0 % TOTAL SOCIAL SECURITY OTHER CONTRIBUTIONS Since the late 1980s, actual employer charges on minimum wage salaries have dropped sharply. Indeed, while other employment contributions have seen nearly a 4-point increase over the past two decades, employer social security contributions have decreased from over 33% to 4.68% of gross salary. This decrease is mainly due to the measures to reduce employer charges on low wages that have been implemented beginning in the mid-1990s. Today, social security contributions account for only 22.3% of total employer social charges at minimum-wage level. BRANCH-BY-BRANCH GENERAL SCHEME EXPENDITURE IN ,9 % 16,6 % Source: Social Security Accounts Commission, June ,3% 47,3 % Health Occupational injuries and illnesses Old-age insurance Family benefi ts Key French Social Security Figures, 2013 / 9

10 THE HEALTH INSURANCE BRANCH OF THE GENERAL SCHEME The National Health Insurance Fund for Employees (CNAMTS) is in charge of the health insurance branch of the Social Security system s general scheme and manages the network of local health insurance funds (CPAM) million general scheme benefi ciaries. 91 % of the population is insured by CNAMTS which covers 86 % of total health care expenses billion euros net in benefi ts paid by the CNAMTS in Health care spending came to 11.6% of the GDP in Key French Social Security Figures, 2013 / 10

11 TRENDS IN FINANCING OF HEALTH CARE AND MEDICAL GOODS CONSUMPTION IN PERCENTAGES Source: National Health Accounts, ,8 % 9,7 % 9,0 % 9,4 % 9,3 % 9,7 % 9,6 % 9,5 % 9,6 % 9,6 % 12,1 % 12,4 % 13,0 % 13,0 % 13,1 % 13,3 % 13,4 % 13,5 % 13,7 % 13,7 % 1,1 % 1,2 % 1,2 % 1,3 % 1,3 % 1,2 % 1,2 % 1,2 % 1,3 % 1,2 % 76,9 % 76,7 % 76,8 % 76,3 % 76,3 % 75,7 % 75,8 % 75,7 % 75,5 % 75,5 % Note: data established according to the 2005 base of the national accounts COMPULSORY HEALTH INSURANCE SCHEMES (1) COMPLEMENTARY HEALTH INSURANCE PROVIDERS (2) STATE AND COMPLEMENTARY UNIVERSAL HEALTH CARE COVER (CMU-C) HOUSEHOLDS (1) including the public hospital deficit (2) including complementary universal health cover benefits from these institutions ANNUAL GROWTH OF GENERAL SCHEME HEALTH INSURANCE COSTS (ONDAM)* BETWEEN 1997 AND 2013 Source: Social Security Accounts Commission, June ,6 % 5,6 % 7,1 % 6,4 % 1,5 % 4,0 % 2,6 % 4,9 % 4,0 % 4,0 % 3,6 % 3,2 % 3,5 % 2,6 % 2,7 % 2,3 % 2,4 % (p) *ONDAM: National health insurance expenditure target Key French Social Security Figures, 2013 / 11

12 HEALTH CARE EXPENSES COVERED BY THE HEALTH INSURANCE SYSTEM (ONDAM - PROVISIONAL 2013 FIGURES) Source: Social Security Accounts Commission, June ,8 % 0,8 % OUTPATIENT HEALTH CARE HOSPITALS CARE AND NURSING HOMES OTHER LESS THAN 1% 43,8 % 45,7 % Outpatient health care expenses include fees charged by health care professionals, cash benefi ts (daily sickness benefi ts) and outpatient medicine and medical equipment expenses, as well as transport. EVOLUTION OF THE FINANCIAL SITUATION OF THE HEALTH INSURANCE BRANCH (CURRENT BILLIONS OF EUROS) ,7-1,6-2,4-2,1-6,1-5,9-4,6-4,4-5,9-8,0-8,6-6,8-11,1-11,6-10,6-11,6 Source: Social Security Accounts Commission, June 2014 Key French Social Security Figures, 2013 / 12

13 INTERNATIONAL COMPARISON OF HEALTH EXPENDITURE AS A SHARE OF GDP Source: OECD Health Data % 16% United States 14% 12% Germany France 10% 8% Sweden Japan United Kingdom 6% Health expenditure as a share of GDP is an indicator that puts health spending into perspective, reflecting as it does the share of a country's resources devoted to health care. Totaling billion euros in 2013, total health expenditure in France accounted for 11.6% of GDP, putting the country well behind the USA (16.9%) but ahead of Germany (11.3%), Sweden (9.6%) and the United Kingdom (9.3%). The growth in health care spending as a share of GDP that occurred in 2009 across all of these countries can be attributed chiefly to the effects of the economic crisis. These values have since stabilized or even begun a slight decrease. Key French Social Security Figures, 2013 / 13

14 THE OCCUPATIONAL INJURIES AND ILLNESSES BRANCH OF THE GENERAL SCHEME The national health insurance fund for employees (CNAMTS) is also in charge of the nationwide occupational injury and illness compensation branch of the general social security scheme and manages the network local old-age and occupational health insurance funds (CARSAT). In 2013, some 2.1 million businesses paid industrial injury contributions for more than 18.3 employees (about 70% of the labour force). In the same year, approximately 626,900 cases of occupational injury and 51,500 cases of occupational illnesses resulted in sick leave. Net benefi t payments totalled 8.7 billion euros in Key French Social Security Figures, 2013 / 14

15 OCCUPATIONAL INJURY AND DISEASE EXPENDITURE IN 2013 Source: Social Security Accounts Commission, June % 23 % DAILY SICKNESS BENEFITS(DSB) 38% 8 % 9 % TEMPORARY INCAPACITY (DSB EXCLUDED) ASBESTOS VICTIMS' COMPENSATION PERMANENT INCAPACITY (PENSIONS AND PAYOUTS) OTHER (MORE THAN HALF OF WHICH ARE TRANSFER PAYMENTS) ACAATA : allowance provided for in the case of early cessation of occupational activity for workers exposed to asbestos FIVA: asbestos victims compensation fund EVOLUTION OF THE FINANCIAL SITUATION OF THE OCCUPATIONAL INJURIES AND ILLNESSES BRANCH (IN BILLIONS OF CURRENT EUROS) Source: Social Security Accounts Commission, June ,4 0,6 0,2 0, ,2-0,1-0,2-0,2-0,4-0,5-0,5-0,7-0,7 Key French Social Security Figures, 2013 / 15

16 TRENDS IN WORK-RELATED ACCIDENTS, COMMUTING ACCIDENTS AND OCCUPATIONAL ILLNESSES RESULTING IN SICK LEAVE, 2002 TO 2013 (BASE 100 IN 2001) Source: Occupational Risks Department, CNAMTS OCCUPATIONAL ILLNESSES COMMUTING ACCIDENTS OCCUPATIONAL ACCIDENTS ALL Out of around 763,000 reported and recognized accidents in 2013 (whether or not these resulted in sick leave), 81% were occupational injuries, 12% commuting accidents and 7% cases of occupational illness. Key French Social Security Figures, 2013 / 16

17 INDUSTRIAL INJURIES WITH SICK LEAVE BY ACTIVITY BRANCH IN % 9 % 16 % Source: CNAMTS (Department of work-related risks) 7 % 8 % 3 % 2 % 17 % 15 % NON-FOOD BUSINESSES SERVICE ACTIVITIES 1 METALLURGY CONSTRUCTION FOOD SERVICES, TRADE AND INDUSTRIES CHEMICALS, RUBBER, PLASTICS INDUSTRIES SERVICE ACTIVITIES 2 TRANSPORT, UTILITIES, PUBLISHING AND COMMUNICATION WOOD, FURNISHINGS, PAPER AND CARDBOARD, TEXTILE, CLOTHING, LEATHER AND PELT QUARRYING AND MANUFACTURE OF MINERAL PRODUCTS The CNTs (national technical committees) have grouped France s industries into nine major branches of activity. In 2013, just under 618,000 occupational injuries resulting in sick leave were reported by the general scheme, involving some 18.3 million employees. Key French Social Security Figures, 2013 / 17

18 THE OLD-AGE INSURANCE BRANCH OF THE GENERAL SCHEME The national old-age insurance fund (CNAV) is in charge of pensions within the general scheme and manages the network of local pension and health insurance funds (CARSAT) million general scheme pensioners in all of France in billion euros in net benefi ts paid by the CNAV in Basic and complementary pensions came to 13.6% of the GDP. Key French Social Security Figures, 2013 / 18

19 TRENDS IN RETIREMENT NUMBERS Source: Social Security Accounts Commission, June Scope: Persons drawing a general scheme old-age pension for the first time in Year n The "baby-boomer" generations reaching the age of retirement explain the increase in the number of those retiring starting in 2004, which changed from 500,000 to about 700,000 per year. The change in regulations also affects the annual rate of departures, and confers an uneven nature on them: creation of the early retirement system, in particular in favour of persons who have had a long professional career, which was tightened in 2009, then expanded in 2011; progressive increase in the duration of insurance needed to wind up a full pension, increased from 160 quarters for the 1948 generation to 167 quarters for the 1955 generation; two-year increase in the minimum retirement age and the age for a full retirement without any condition of duration (this increase went into effect gradually for generations born between 1951 and 1956, at a rate of an increase of fi ve months per generation). EVOLUTION OF THE FINANCIAL SITUATION OF THE OLD-AGE BRANCH OF THE GENERAL SCHEME (IN BILLIONS OF CURRENT EUROS) Source: Social Security Accounts Commission, June ,0 1,5 1,7 0,8 0,5 0,9 0, ,9-1,9-4,6-5,6-4,8-3,1-7,2-6,0-8,9 Key French Social Security Figures, 2013 / 19

20 TRENDS IN PENSIONS PAID TO MEN AND WOMEN, ALL SCHEMES COMBINED (AMOUNTS IN EUROS PER MONTH) Source: DREES, EACR, EIR, ANCETRE model SURVIVORS PENSIONS AND PENSION INCREASES - MEN OLD-AGE PENSIONS (BASIC AND COMPLEMENTARY) - MEN SURVIVORS PENSIONS AND PENSION INCREASES - WOMEN OLD-AGE PENSIONS (BASIC AND COMPLEMENTARY) - WOMEN Champ : retraités ayant perçu un droit direct au cours de l'année N, nés en France ou à l'étranger, résidents en France ou à l étranger, vivants au 31 décembre de l année These amounts include basic and complementary old-age pensions (entitlement accrued through employment and payment of the associated contributions) as well as survivors pensions and, as of 2008, increases for parents having raised children. GUARANTEED MINIMUM PENSION BENEFICIARIES AND EXPENDITURE AS PART OF THE SECOND STAGE OR THE ASPA* AS OF 31 ST DECEMBER Source: pension solidarity fund. DSS calculations Note: the series of total expenses has a rupture in the series in 1999, due to switching the accounting from a collection/disbursement method to a rights observed method of accounting. BENEFICIARIES, INCLUDING ASPA (LEFT) OVERALL EXPENDITURE, INCLUDING ASPA (RIGHT) *the number of people and the related expenses concern the two stages of the old minimum old-age pension system, replaced with ASPA (solidarity grant for the elderly) for persons who retired starting on 1 January Key French Social Security Figures, 2013 / 20

21 EMPLOYMENT RATES AMONG THE AGE GROUP Source: Eurostat 0,70 Sweden 0,60 United Kingdom Germany 0,50 EU (27 countries) The Netherlands 0,40 France Spain Italy 0, SPENDING ON PENSIONS AS A SHARE OF GDP Source: DREES, social protection accounts- bases 2000 ( ), 2005 ( ) et 2010 ( ) ** ** 11,4 % 1,6 % 11,4 % 1,6 % 11,4 % 1,6 % 11,5 % 1,6 % 11,6 % 1,6 % 11,7 % 1,6 % 11,8 % 1,5 % 11,9 % 1,5 % 12,2 % 1,5 % 13,1 % 1,6 % 13,2 % 1,7 % 13,4 % 1,7 % 13,6 % 1,7 % 2,5 % 2,5 % 2,5 % 2,5 % 2,5 % 2,6 % 2,9 % 2,9 % 3,0 % 3,2 % 3,2 % 3,2 % 3,3 % 7,3 % 7,3 % 7,3 % 7,4 % 7,5 % 7,5 % 7,4 % 7,5 % 7,7 % 8,3 % 8,3 % 7,7 8,5 % 8,6 % Note: data for GDP used over the entire period is that of the 2010 base of the INSEE. BASIC OLD-AGE PENSIONS* OTHER OLD-AGE PENSIONS* SURVIVORS PENSIONS * In the 2000 base, supplementary pensions for independent workers is not distinguished from their basic pensions. **Change in the base in the national accounts Key French Social Security Figures, 2013 / 21

22 THE FAMILY BRANCH OF THE SOCIAL SECURITY SYSTEM The national family benefits fund (CNAF) is in charge of the family benefits branch of the general scheme and manages the network local family benefit offices (CAF). 12 million claimants in billion euros in benefi ts (family and housing benefi ts) paid by the CNAF in Family and housing benefi ts as a share of GDP: approximately 2%. Key French Social Security Figures, 2013 / 22

23 STRUCTURE OF STATUTORY FAMILY BENEFITS IN 2013 Source: Social Security Accounts Commission, June % 2 % 2 % FAMILY ALLOWANCES (CHILD BENEFITS, ETC.) EARLY CHILDHOOD BENEFIT PROGRAM (PAJE, ETC) 48 % HOUSING BENEFITS DISABLED CHILD BENEFITS 36 % OTHER TRENDS IN NUMBERS OF FAMILIES RECEIVING FAMILY BENEFITS Source: CNAF children child 3 children children No children Key French Social Security Figures, 2013 / 23

24 EVOLUTION OF THE FINANCIAL SITUATION OF THE FAMILY BENEFITS BRANCH (IN BILLIONS OF CURRENT EUROS) 1,5 1,7 0,2 1,0 0,2 0, ,2-0,4-0,3-0,9-1,3-1,8 Source: French Social Security Accounts Commission, June ,7-2,6-2,5-3,2 CAPACITY OF OFFICIAL CHILDCARE FACILITIES FOR 100 CHILDREN UNDER THE AGE OF 3 (2011) Sources: CNAF (RNDC and FILEAS), DREES (PMI enquiry), DEPP and INSEE 8 % 4 % 30 % 58 % REGISTERED CHILDMINDERS DAY CARE (PROFESSIONAL, FAMILY AND PARENTS) INFANT S SCHOOL HOME WORKER PARENT In 2011 in Metropolitan France, 52.2 places per 100 under-three year olds were available in offi cial childcare facilities. Registered childminders are a dominant form of childcare, with 58% of all under-threes using this type of childcare service. Key French Social Security Figures, 2013 / 24

25 FINANCIAL SITUATIONS The social security general scheme defi cit decreased in 2013, falling to 12.5 billion euros from 13.3 billion euros in Social Security revenues rose more quickly than expenditure (3.1% and 2.7% respectively) as a result of the measures implemented through the 2013 Social Security fi nancing law, despite a slower increase in the wage bill (+1.2%). General scheme spending rose at a very moderate rate (+2.7%), reflecting a continued containment of health insurance expenditure. The ATMP (occupational injuries and diseases) branch moved to a surplus situation in 2013, while the three other branches of the general scheme continued to run a defi cit. Key French Social Security Figures, 2013 / 25

26 COMPARED AMOUNTS AND TRENDS OF SOCIAL SECURITY, STATE AND LOCAL AUTHORITY SPENDING AS A PERCENTAGE OF GDP Sources: national accounts, base 2010, INSEE 60 % 50 % 40 % 30 % 20 % 10 % 0 % APU APUC APUL ASSO APU: public administrations APUC: central administrations (central government and central government agencies) APUL: local authorities ASSO: social security administrations (including unemployment benefit and compulsory complementary pension schemes) Scope: the expenditures of the institutional sector of the public administrations are consolidated of the internal transfers to the sub-sectors and of the transfers between sub-sectors. The expenditures of the sub-sectors of the public administrations which are the central public administration, the local public administrations and the Social Security administrations are consolidated of the internal transfers to each sub-sector but not of the transfers between these various sub-sectors. Key French Social Security Figures, 2013 / 26

27 EVOLUTION OF THE FINANCIAL SITUATION OF THE GENERAL SCHEME (IN BILLIONS OF CURRENT EUROS) 0,5 0,7 1, ,5-3,5-10,2-11,9-11,6-8,7-9,5-10,2-12,5-20,3-13,3-17,43-23,9 Source: Social Security Accounts Commission, June 2014 SOCIAL SECURITY DEBT TO BE COVERED BY THE DEBT SINKING FUND CADES AS AT 31ST DECEMBER Source: Social Security Accounts Commission, DSS ,9 % ,1 % 3,8 % 4,1 % 3,8 % 72,7 75,6 73,0 65,7 1,6 % 1,7 % 1,7 % 1,8 % 26,6 29,3 32,1 34,7 4,0 % 80,1 1,9 % 37,5 4,7 % 91,8 2,2 % 42,8 4,3 % 86,7 2,4 % 47,9 142,8 2,9 % 59,6 6,6 % 137,5 3,4 % 71,6 6,1 % 129,7 4,0 % 84, Note: data for GDP used over the entire period is that of the 2010 base of the INSEE. DEBT REMAINING IN BILLIONS OF EUROS DEBT REMAINING IN GDP POINTS DEBT REIMBURSED IN BILLIONS OF EUROS DEBT REIMBURSED IN GDP POINTS Key French Social Security Figures, 2013 / 27

28 TRENDS IN THE BREAKDOWN OF SOCIAL SECURITY ADMINISTRATION REVENUES Source: DREES, social protection accounts * * 100 % 80 % 60 % 40 % 20 % 0 % SOCIAL CONTRIBUTIONS EARMARKED TAXES AND DUES PUBLIC CONTRIBUTIONS CONSOLIDATED TRANSFERS OTHER RESOURCES *Change in the basis of the national accounts Although social contributions represented 88% of total social security revenues up until 1990, they accounted for only 66% in At the same time, the share of earmarked taxes and dues has increased from 4% to 30%. These two opposing trends can be partially explained by the increase in the CSG social welfare tax (considered as an earmarked tax) as a substitute for social security contributions. Key French Social Security Figures, 2013 / 28

29 SOCIAL SECURITY SCHEMES FOR THE SELF-EMPLOYED AND AGRICULTURAL SECTORS The Fund for the Self-employed (RSI) administers health insurance for the self-employed in the trades and crafts, commercial and independent professional sectors, as well as old-age pensions for the two first two categories of workers. It also manages the fund's regional offices. 2.8 million people pay contributions to the RSI, of which 40% are in the commercial sector, 36% in the trade and craft sector and 24% independent professionals. The National Old-age Insurance Fund for Independent Professionals (CNAVPL) administers pensions for independent professionals whilst lawyers are handled by the national fund for French barristers (CNBF). At 30 June 2013, independent professionals were paying contributions to the CNAVPL. The agricultural workers' and farmers mutual welfare fund (MSA) administers sickness benefits, pensions and industrial injury benefits. It also handles family benefits although statutory family benefits are recorded in the accounts of the National Family Benefits Fund (CNAF). It collects contributions from agricultural workers and farmers and manages the Fund s regional offices. 1.2 million people pay contributions to the MSA, of which 57% are agricultural workers and 43% are farmers. Key French Social Security Figures, 2013 / 29

30 FINANCIAL SITUATION OF THE HEALTH INSURANCE AND BASIC PENSIONS BRANCHES OF THE RSI AND CNAVPL (IN MILLIONS OF EUROS) Source: Directorate of Social Security RSI - HEALTH RSI PENSIONS FOR COMMERCIAL SECTOR RSI PENSIONS FOR CRAFT AND TRADE SECTORS CNAVPL - PENSIONS The health and pension branches for the trade and craft sector and commercial sector are supported by a corporate social solidarity contribution (C3S). This contribution is not taken into account in the above figures. RSI AND CNAVPL SICKNESS AND BASIC PENSION BENEFITS (IN MILLIONS OF EUROS) Source: Directorate of Social Security NET BENEFITS RSI HEALTH NET BENEFITS RSI PENSIONS FOR COMMERCIAL SECTOR NET BENEFITS RSI PENSIONS FOR CRAFT AND TRADE SECTOR NET BENEFITS CNAVPL PENSIONS Key French Social Security Figures, 2013 / 30

31 FINANCIAL SITUATION OF THE AGRICULTURAL EMPLOYEES' SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security HEALTH BRANCH PENSIONS BRANCH ALL BRANCHES COMBINED The health and pensions branches are incorporated in the general scheme for accounting purposes. These transfer payments are not taken into account in the fi gures above. BENEFITS PAID UNDER THE AGRICULTURAL WORKERS SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security SICKNESS BENEFITS OLD-AGE BENEFITS TOTAL BENEFITS (FOR ALL RISKS) Key French Social Security Figures, 2013 / 31

32 FINANCIAL SITUATION OF THE FARMERS' SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security HEALTH BRANCH PENSIONS BRANCH ALL BRANCHES COMBINED Up until 2008, the health and pension branches for farmers were supported by the fund for the financing of social benefits in the agricultural sector (FFIPSA). In 2009, the farmers' health insurance branch was incorporated into the general scheme. These transfer payments are not taken into account in the figures above. However, there is no longer any transfer mechanism for the pensions branch. BENEFITS PAID UNDER THE FARMERS' SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security SICKNESS BENEFITS PENSION BENEFITS TOTAL BENEFITS (FOR ALL RISKS) Key French Social Security Figures, 2013 / 32

33 QUALITY AND EFFICIENCY PROGRAMS (QEP) S Six Quality and Efficiency Programs (QEP) have been developed in the main social security policy areas, namely the four different branches of the social security system (health insurance, occupational accidents and injuries, pensions and family policy), social security financing and coverage of incapacity, disability and elderly dependency. The QEP set out the main social security policy objectives, and assess progress in meeting them. The QEP comprise a scoping section and a second section presenting the objectives and expected outcomes of the policies implemented through the network of Social Security institutions. The QEP provide a checklist of health and social policies, based on which four main themes have been identified: - Access to adequate social security benefits and health care - Quality of service provided by the Social Security system - Efficiency in delivering benefits and services - Financial viability of the Social Security system They include 173 indicators of which 75 are structural and 98 relate to objectives and outcomes. An 8-page summary presents main developments in respect of the QEP. The QEP comprise Appendix 1 of the Social Security Financing Bill ((PLFSS). Many of the indicators in this brochure are QEP indicators. They are available online: see the LFSS section of the portal securite-sociale.fr. Key French Social Security Figures, 2013 / 33

34 SOCIAL SECURITY PUBLIC SERVICE PERFORMANCE Performance objectives for France's social security institutions are set out in the national agreements on objectives and management (COG) negotiated between the government and each social security institution since Key considerations include processing speed, quality of service and fi nancial performance. The COG identify main strategies for improvement and current management commitments: development of e-administration, respect for the environment and employment for people with disabilities and older workers are just some of the issues addressed under the current agreement. The main performance indicators are shown below. Key French Social Security Figures, 2013 / 34

35 QUALITY OF SERVICE Drop-in services Health Percentage of persons received within 20 minutes 91,8 % 87,7 % 88,9 % 87,7 % Annual number of visits (in millions) 33 32,9 ND 28,6 Family Percentage of persons received within 20 minutes 86,2 % 87,9 % 88,9 % 87,7% Annual number of visits (in millions) 19,1 18,9 18,3 17,1 Pensions Annual number of visits (in millions outside of CGSS) 2,7 2,6 2,4 2,0 Collection Non applicable Phone reception Health Family Percentage of calls handled 85,6 % 85 % 87,5 % 90,0% Annual number of calls handled (in millions) 27, ,5 27,7 Percentage of calls handled 79,4 % 86,1% 82,0 % 78,8% Annual number of calls handled (in millions) 30,7 27,0 27,1 28,4 Satisfaction rates regarding telephone contacts 91,8 % 90,8 % 90,4 % 88,3 % Pensions Percentage of calls answered 82,5 % 90,3% 86,3% 82,5 % Annual number of calls handled (in millions) 4,5 4,7 5,2 5,5 Collection Percentage of calls handled 95,3 % 96,9% 93,4 % 93,0% Key French Social Security Figures, 2013 / 35

36 Processing time Health Family Pensions Collection Reimbursement timeframes for the insured (in calendar days) for 90% of electronic care sheets. Percentage of claims processed within 2 weeks Percentage of old-age pension entitlements settled within one month of due date (for residents in France) Contributions accounts updated within 10 days 6,3 6,7 6,7 6,5 83,2 % 80,0 % 77,8 % 75,9 % 96,5 % 96,2 % 96,5 % 95,2 % 99,4 % 99,4 % 99,5 % 99,4 % Overall cost* of administering benefits or contributions Health/ Occupational accidents and injuries ,86 % 3,75 % 3,71 % 3,67 % Family 2,44 % 2,38 % 2,29 % 2,28 % Pensions 1,12 % 1,09 % 1,04 % 1,02 % Collection 0,33 % 0,30 % 0,29 % 0,28 % *Gross expenditure excluding investment e-administration Health Percentage of electronic claims + computerized data exchanges* Number of electronic claims (in millions - CPAM and CGSS) 88,0 % 90,3 % 91,5 % 92,6 % 825,8 % 871, Family Progression rate for e-data collection ** 83,9 % 84,0 % 87,9 % 86,7 % Pensions Collection Percentage of annual social data declarations filed electronically Number of annual social data declarations filed electronically Percentage of contribution summary declarations filed electronically (private-sector businesses) 97,4 % 98,8 % 99,2 % 99,4 % ,6 % 68,6 % 88,5 % 94,2 % Percentage of payments made electronically 89,9 % 91,6 % 94,6 % 96,6 % *(total deductions FSE+EDI/ Total service deductions) in 4th quarter ** Indicator reported since 2008 Key French Social Security Figures, 2013 / 36

37 IMPLEMENTATION OF SOCIAL SECURITY POLICIES Health Proportion of beneficiaries over 16 years of age having chosen their general practitioner Proportion of consultations under the coordinated medical consultation procedure 89,9 % 89,8 % 90,6 % 91,3 % 78,90 % 76,20 % 83,6 % 82,2 % Family Number of PAJE (early childhood benefit program) beneficiaries Number of RSA (low-income top up) claimants* * This indicator only applied to Metropolitan France until 2010 (1,834,770 in 2011). RSA benefits were extended to France s Overseas Departments (DOM) beginning on the 1st of January, 2011, where it replaced the RMI and API benefits. Pensions Percentage of old-age pension awards** (outside of international agreements and not including periods of insurance abroad) without adjustment of individual account in N-1 79,2 % 78,2 % 80,3 % 80,3 % *Indicator introduced in 2009 Collections Outstanding payment ratios at March 31st of following year All contributors combined (Uninspected and excluding ISU) ,77 % 0,70 % 0,79 % 0,81 % Private-sector employers (Uninspected) 0,80 % 0,74 % 0,83 % 0,85 % Public-sector employers (Uninspected) 0,03 % 0,03 % 0,05 % 0,04 % Key French Social Security Figures, 2013 / 37

38 SOCIAL RESPONSIBILITY AND SUSTAINABLE DEVELOPMENT Les délais de traitement Health Family Pensions Collections Employment rate for seniors (55 years and older) Employment rate for the handicapped (6%) Reduction in the energy consumption of central buildings Reduction in energy and water consumption 27,2 % 29,0 % 31,0 % 30,0 % ND ND ND 6,99 % -10,58 % -13,32 % -14,95 % -18,87 % -7,57 % -11,53 % -18,20 % -17,80 % Key French Social Security Figures, 2013 / 38

39 ORGANIZATION CHART AT 1ST JULY 2014 The general scheme includes 101 CAF*, 101 CPAM*, 22 URSSAF and 16 CARSAT (old-age and occupational health insurance funds). Sickness and old-age benefits and the collection of contributions in the French Overseas Departments are administered by 4 CGSS. The scheme for the self-employed is administered through 30 basic regional offices. The agricultural schemes are administered through 35 local offices. *Including the Caisse commune de sécurité sociale de Lozère Key French Social Security Figures, 2013 / 39

40 Ministry of Social Affairs, Health and Women s Rights Ministry of Finance and Public Accounts Directorate of Social Security Key French Social Security Figures, 2013 / 40

41 THE GENERAL SCHEME FOR EMPLOYEES ACOSS redistributes revenues earmarked for financing the benefits provided by the four branches (health, occupational injuries & diseases, family, pensions) of the social security general scheme. National funds Local funds Names ACOSS The Central Agency for Social Security Funds URSSAF CGSS The Union of Social Security contribution and family benefit collection organizations General Social Security fund (Overseas Departments) CNAF National family benefit fund CAF Local family benefit offices CNAMTS National Health Insurance Fund for Salaried Workers CPAM Local Health Insurance Fund CARSAT Old-age and Occupational Health Insurance Fund CGSS General Social Security Fund (Overseas Departments) CNAVTS National Old-age Pension Fund for Salaried Workers CARSAT CRAM CGSS Old-age and Occupational Health Insurance Fund General Social Security Fund (Overseas Departments) Collection Pensions Health Family Occupational illnesses and injuries Key French Social Security Figures, 2013 / 41

42 THE GENERAL SCHEME FOR WORKERS National fund Local funds Names Central Agricultural Workers' and Farmers' Mutual Benefit Fund Agricultural Workers and Farmers Mutual Benefit Fund THE SOCIAL SECURITY SCHEME FOR NON-AGRICULTURAL SELF-EMPLOYED INDIVIDUALS National fund Local funds Names The Social Security Scheme for the Self-Employed Regional fund URSSAF/OC* The Union of Social Security contribution and family benefit collection organizations/ Official bodies Local family benefit offices * As of 1 January 2008, the RSI became the single Social Security contact-point (ISU) for self-employed, artisanal, industrial and commercial professions for all personal benefi ts and social contributions (elderly and illness benefi ts, CSG-general welfare levy, CRDS-social security debt repayment levy, family benefi ts and training contributions. The RSI delegates some of its collection duties to URSSAF. For self-employed professionals, the collection of health contributions continues to be delegated by the RSI to authorized bodies that manage health care benefi ts for artisans, industrialists, shopkeepers and self-employed professionals. ** Self-employed workers pay into the CAF of the general scheme. Collection Pensions Health Family Occupational illnesses and injuries Key French Social Security Figures, 2013 / 42

43 Key French Social Security Figures, 2013 / 43

44 For more information about the French social security system, go to : DICOM-Communication interne Juillet 2014 Réalisation : Direction de la Sécurité Sociale maquette : My Fish Is Fresh création et exécution : My Fish Is Fresh