Directorate of Social Security. Key French Social Security Figures

Transcription

1 Directorate of Social Security Key French Social Security Figures 2010

2 Key French Social Security Figures Edition

3 CONTENTS The French social security system... Social security revenue... The health insurance branch of the social security system... The occupational injuries and diseases branch of the social security system... The old-age insurance branch of the social security system... The family branch of the social security system Financial situation... Social security schemes for the self-employed and agricultural sectors... Quality and efficiency programmes... Social security public service performance... Social security institutions organisation chart

4 THE FRENCH SOCIAL SECURITY SYSTEM T he 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, occupational injuries and diseases, 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 schemes: general scheme; agricultural workers and farmers scheme managed by the CCMSA; and the RSI scheme for the self-employed which covers the craft and trade sectors, the commercial sector and independent professionals. Other, special schemes cover specific professions such as civil servants. The general scheme alone accounts for about three quarters of the total expenditure incurred by the social security schemes. In 2010, total net expenditures reached billion euros for the general scheme and amounted to billion euros for all schemes combined. The French social security system is financed by social contributions paid by employers and employees, a general social welfare tax (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

5 Key French Social Security Figures 2010 / 6

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. 8 million contributor accounts in billion euros in revenues collected in General scheme consolidated products totalled billion euros in Key French Social Security Figures

7 PRINCIPAL CONTRIBUTORS TO THE GENERAL SCHEME IN % 45 % 45 % Source: Financing Quality and Efficiency Programme, 2011 HOUSEHOLDS COMPANIES PUBLIC ADMINISTRATIONS STRUCTURE OF GENERAL SCHEME REVENUE IN % 3 % 11 % 21 % 59 % Source: Social Security Accounts Commission, June 2011 CONTRIBUTIONS CSG TAXES AND DUES TRANSFERS OTHER INCOME Key French Social Security Figures 2010 / 8

8 STRUCTURE OF GENERAL SCHEME REVENUE BY SOCIAL SECURITY 11 % CNAM (health) 3 % 2 % 18 % CNAV (old-age) 4 % Source: Social Security Accounts Commission, June 2011 CONTRIBUTIONS CSG TAXES AND DUES TRANSFERS OTHER INCOME 49 % 35 % CNAF (family benefits) 3 % 8 % 65 % 24 % 78 % CNAM (occupational injuries and diseases) 2 % 22 % 66 % 10 % 4. EMPLOYEE AND EMPLOYER SOCIAL SECURITY CONTRIBUTIONS Source: Directorate of Social Security Employer Employee Total Social security contributions as at 1 st January 2011 Health insurance 12,8 % 0,75 % 13,55 % Old-age Below ceiling 8,3 % 6,65 % 14,95 % insurance Above ceiling 1,6 % 0,1 % 1,7 % Family benefits 5,4 % - 5,4 % Occupational injuries (average) 2,38 % - 2,38 % Social welfare taxes at 1 st January 2011 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 (2,946 euros gross per month as at January 1 st 2011) 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

9 EVOLUTION OF EMPLOYER CONTRIBUTION RATES AT MINIMUM WAGE LEVEL (SMIC) (AS A PERCENTAGE OF GROSS EARNINGS, ) Source: Directorate of Social Security 50 % 45 % 40 % 35 % 30 % 25 % 20 % 15 % 10% 5 % AF exemption Juppé 1, 2 and 3 exemption Note: Calculations are made based on a Paris-region business with more than 20 employees and having adopted the 35 weekly hours system in January 2000 (dotted) or having kept the 39-hour system (block colour). Aubry II structural aid if RTT Fillon law to reduce 0 % TOTAL SOCIAL SECURITY OTHERS Measures to reduce employer charges on low wages since the mid-90s have led to a significant fall in employer social security contributions at minimum-wage level, which have dropped from 33% to 4.48% of gross earnings in just over two decades. Other employer contributions have seen a 4 point increase over the same period, with the result that social security contributions today account for only 21.6% of total employer social charges at minimum-wage level. GENERAL SCHEME EXPENDITURE IN % 16 % 49 % HEALTH OCCUPATIONAL INJURIES AND DISEASES Source: Social Security Accounts Commission, June % OLD-AGE INSURANCE FAMILY BENEFITS Key French Social Security Figures 2010 / 10

10 THE HEALTH INSURANCE BRANCH OF THE SOCIAL SECURITY SYSTEM The national health insurance fund for employees (CNAMTS) is in charge of the health insurance branch of the general scheme and manages the local health insurance funds (CPAM). 57 million general scheme beneficiaries. 87% of the population is insured by CNAMTS which covers about 86 % of total health care expenses billion euros in benefits paid by the CNAMTS in Health care spending as a share of GDP in 2009: 12%. Key French Social Security Figures

11 TRENDS IN FINANCING OF HEALTH CARE AND MEDICAL GOODS Source: 9,6 % 12,2 % 9,0 % 12,8 % 8,4 % 13,2 % 8,9 % 13,4 % 8,9 % 13,5 % 9,5 % 13,7 % 9,4 % 13,8 % National Health Accounts, ,1 % 1,2 % 1,3 % 1,4 % 1,4 % 1,3 % 1,3 % 77,1 % 77,1 % 77,0 % 76,3 % 76,2 % 75,5 % 75,5 % SOCIAL SECURITY UNIVERSAL HEALTH COVERAGE PROGRAMME SUPPLEMENTARY INSURANCE HOUSEHOLDS ANNUAL GROWTH OF GENERAL SCHEME HEALTH INSURANCE COSTS (ONDAM) * BETWEEN 1997 AND 2010 In 2010, the national health insurance expenditure target, as set by Parliament, was met for the first time since Source: Social Security Accounts Commission, June ,6 % 5,6 % 7,1 % 6,4 % 4,0 % 4,9 % 4,0 % 4,0 % 1,5 % 2,6 % 3,2 % 3,5 % 3,5 % 2,7 % *ONDAM: National health insurance expenditure target Key French Social Security Figures 2010 / 12

12 HEALTH CARE EXPENSES COVERED BY THE HEALTH INSURANCE SYSTEM (ONDAM - PROVISIONAL 2010 FIGURES) Source: Social Security Accounts Commission, June % < 1 % OUTPATIENT HEALTH CARE HOSPITALS NURSING HOMES OTHER LESS THAN 45 % 46 % Outpatient health care expenses include fees charged by health care professionals, cash benefits (daily sickness benefits) and outpatient medicine and medical equipment expenses, as well as transport. 4. EVOLUTION OF THE FINANCIAL SITUATION OF THE HEALTH INSURANCE BRANCH (CURRENT BILLIONS OF EUROS) ,7-1,6-2,4-2,1-6,1-5,9-4,6-4,4-8,0-11,1-11,6-10,6-11,6 Source: Social Security Accounts Commission, June 2011 Key French Social Security Figures

13 INTERNATIONAL COMPARISON OF HEALTH EXPENDITURE AS A SHARE OF GDP Source: OECD Health Data % 16% USA 14% 12% France 10% Germany 8% Swenden Japon UK 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. Totalling 223 billion euros in 2009, health expenditure in France accounted for 11.8% of GDP, putting the country well behind the USA (16.0%) but ahead of Germany (11.6%), Sweden (10.0%) and the UK (9.8%). 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. Key French Social Security Figures 2010 / 14

14 THE OCCUPATIONAL INJURIES AND DISEASES BRANCH OF THE SOCIAL SECURITY SYSTEM The national health insurance fund for employees (CNAMTS) is also in charge of the occupational injuries and diseases branch of the general social security scheme and manages the local old-age and occupational health insurance funds (CARSAT). In 2010, some 2.2 million businesses paid industrial injury contributions for more than 18.3 employees (about 70% of the labour force). In the same year, 660,000 cases of occupational injury and more than 50,000 cases of occupational diseases resulted in absence from work. and benefit payments totalled 7.9 billion euros. Key French Social Security Figures

15 OCCUPATIONAL INJURY AND DISEASE EXPENDITURE IN 2010 Source: Social Security Accounts Commission, June % 10 % 21 % 25 % 34 % PERMANENT INCAPACITY (PENSIONS AND PAYOUTS) OTHER (43% OF WHICH ARE TRANSFER PAYMENTS) DAILY SICKNESS BENEFITS (DSB) ASBESTOS VICTIMS COMPENSATION TEMPORARY INCAPACITY (DSB EXCLUDED) EVOLUTION OF THE FINANCIAL SITUATION OF THE OCCUPATIONAL INJURIES AND DISEASES BRANCH (IN BILLIONS OF CURRENT EUROS) Source: Social Security Accounts Commission, June ,4 0,2 0, ,1-0,2-0,4-0,5-0,5-0,7-0,7 Key French Social Security Figures 2010 / 16

16 TRENDS IN WORK-RELATED ACCIDENTS, COMMUTING ACCIDENTS AND OCCUPATIONAL DISEASES RESULTING IN SICK LEAVE, 2001 TO 2010 (BASE 100 IN 2001) DE 2001 À 2010 (BAS Source: Occupational Risks Department, CNAMTS (p) OCCUPATIONAL DISEASES COMMUTING ACCIDENTS OCCUPATIONAL INJURIES ALL Out of around 1,251,000 reported and recognised accidents in 2009, 83% (1,042,000) were occupational injuries, 11% (137,000) commuting accidents and 6% (72,000) cases of occupational illness. Key French Social Security Figures

17 INDUSTRIAL INJURIES BY ACTIVITY BRANCH IN % 6 % 4 % 2 % 17 % 21 % 10 % Source: CNAMTS (national annual technological statistics), % 18 % SERVICE ACTIVITIES II (HEALTH, CLEANING TEMPORARY WORK) METALLURGY CONSTRUCTION TRANSPORT, UTILITIES, PUBLISHING AND COMMUNICATION FOOD SERVICES, TRADE INDUSTRIES CHEMICALS, RUBBER, PLASTICS INDUSTRIES WOOD, FURNISHINGS, PAPER AND CLOTHING, LEATHER AND PELT QUARRYING AND MANUFACTURE OF MINERAL PRODUCTS NON-FOOD BUSINESSES SERVICE ACTIVITIES I (BANK, INSURANCE, ADMINISTRATIONS) The CNTs (national technical committees) have identified nine activity branches in all. In 2010, around 660,000 occupational injuries resulting in absence from work were recorded by the general scheme, involving some 18.3 million employees. Key French Social Security Figures 2010 / 18

18 THE OLD-AGE INSURANCE BRANCH OF THE SOCIAL SECURITY SYSTEM The national old-age pension fund for employees (CNAVTS) is in charge of old age insurance within the general scheme and manages the local old-age and health insurance funds (CARSAT) million general scheme pensioners in billion euros in pensions paid by the CNAVTS in Basic and complementary pensions as a share of GDP:13.3% in Key French Social Security Figures

19 TRENDS IN RETIREMENT NUMBERS IN THE GENERAL SCHEME Source: Social Security Accounts Commission, June 2011 Scope: Persons drawing a general scheme old-age pension for the first time in Year n The surge of baby boomers reaching retirement age has swelled the ranks of those retiring each year, a trend which was accentuated between 2004 and 2008 by measures to promote early retirement. The dip in 2009 is attributable to the early retirement of people with a large number of years of pensionable service being deferred as a result of new eligibility requirements. 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, ,9-1,9-4,6-5,6-7,2-8,9 Key French Social Security Figures 2010 / 20

20 TRENDS IN PENSIONS PAID, ALL SCHEMES COMBINED Source: DREES, ANCETRE model, Annual Pension Fund Survey 2004 to 2009, EIR 2004 and MEN WOMEN SURVIVORS PENSIONS AND PENSION INCREASES OLD-AGE PENSIONS (BASIC AND COMPLEMENTARY) 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 (IN MILLIONS OF EUROS) AS PART OF THE SECOND STAGE OR THE ASPA * AS AT 31 ST DECEMBER Source: pension solidarity fund. DSS calculations BENEFICIARIES, INCLUDING ASPA (LEFT) OVERALL EXPENDITURE, INCLUDING ASPA (RIGHT) * The ASPA (solidarity allowance for the elderly) replaces the guaranteed minimum pension for persons retiring as of 1 st January Key French Social Security Figures

21 EMPLOYMENT RATES AMONG THE AGE GROUP Source: Eurostat 80 % 70 % 60% UK Swenden Germany 50 % 40 % Netherlands UE (27 countries) Spain 30% France Italy 20 % SPENDING ON PENSIONS AS A SHARE OF GDP Source: DREES, social protection accounts 1,7 % 1,6 % 1,6 % 1,6 % 1,6 % 1,7 % 1,7 % 1,7 % 1,6 % 1,7 % 2,5 % 2,5 % 2,5 % 2,6 % 2,6 % 2,7 % 2,7 % 2,7 % 2,8 % 3 % 7,5 % 7,5 % 7,6 % 7,6 % 7,7 % 7,7 % 7,8 % 7,8 % 8,1 % 8,6 % BASIC PENSION OTHER PENSIONS SURVIVORS PENSIONS Key French Social Security Figures 2010 / 22

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 local family benefit offices (CAF) million claimants in billion euros in benefits paid by the CNAF in Family benefits as a share of GDP: 2.2%. Key French Social Security Figures

23 STRUCTURE OF STATUTORY FAMILY BENEFITS IN 2010 Source: Social Security Accounts Commission, June % 1 % 12 % FAMILY ALLOWANCES (CHILD BENEFIT, ETC.) EARLY CHILDHOOD BENEFIT PROGRAMME (PAJE, ETC.) 36 % 49 % HOUSING BENEFITS DISABILITY BENEFITS OTHER TRENDS IN NUMBERS OF FAMILIES RECEIVING FAMILY BENEFITS Source: CNAF children child children no children 4 or more children Key French Social Security Figures 2010 / 24

24 3. 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, ,2-0,4-0,3-0,9-1,3-1,8-2,7 Source: Social Security Accounts Commission, June HYPOTHETICAL CAPACITY OF «OFFICIAL» CHILDCARE FACILITIES FOR 100 CHILDREN UNDER THE AGE OF 3 (2008) Sources: CNAF (RNDC and FILEAS), DREES (PMI enquiry), DEPP and INSEE 6,2 1,7 14,5 CHILDMINDERS DAY CARE INFANT S SCHOOL 26,1 NANNY In 2008 in Metropolitan France, 48.5 places per 100 under-three year olds were available in official childcare facilities. Childminders are the predominant form of childcare, with three out of four under the care of a childminder (26.1% of all under-threes are looked after by a childminder). Key French Social Security Figures

25 Key French Social Security Figures 2010 / 26

26 FINANCIAL SITUATION The social security deficit continued to rise in 2010, reaching a record billion euros. Although the wage bill increased in 2010 (+2 % against -1.3 % in 2009), social security revenues did not keep pace with expenditure growth. General scheme spending has been contained however: at 3.3% the growth in net expenditure in 2010 was equal to 2009 levels. All four branches of the general scheme continued to run a deficit in Key French Social Security Figures

27 COMPARISON OF SOCIAL SECURITY, STATE AND LOCAL AUTHORITY SPENDING AS A PERCENTAGE OF GDP Sources: national accounts, base 2000, INSEE 60 % 50 % 40 % 30 % 20 % 10 % 0 % LA SPENDING SS SPENDING CA SPENDING PA SPENDING PA: public administrations CA: central administrations (central government and central government agencies) SS: social security administrations (including unemployment benefit and compulsory complementary pension schemes) LA: local authorities Key French Social Security Figures 2010 / 28

28 2. EVOLUTION OF THE FINANCIAL SITUATION OF THE GENERAL SCHEME (IN BILLIONS OF CURRENT EUROS) 0,5 0,7 1, ,5-3,5-10,2-11,9-11,6-8,7-9,5-10,2-20,3-23,9 Source: Social Security Accounts Commission, June 2011 SOCIAL SECURITY DEBT TO BE COVERED BY THE DEBT SINKING FUND CADES AS AT 31 ST DECEMBER Source: Social Security Accounts Commission, June ,0 % 4,3 % 4,2 % 3,9 % 4,1 % 4,8 % 4,5 % 7,1 % IN GDP POINTS IN BILLIONS OF EUROS 65,7 72,7 75, ,1 91,8 86,7 143, (P) Key French Social Security Figures

29 TRENDS IN SOCIAL SECURITY ADMINISTRATION REVENUES Source: DREES, social protection accounts 100 % 80 % 60 % 40 % 20 % 0 % SOCIAL CONTRIBUTIONS PUBLIC CONTRIBUTIONS EARMARKED TAXES AND DUES EARMARKED / TRANSFERS OTHER Although social contributions represented 86.8% of total social security revenues in 1991, they now account for only 67.3%. At the same time, the share of earmarked taxes and dues has increased from 4% to 28.6%. This trend can be 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 2010 / 30

30 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. 2.5 million people pay contributions to the RSI, of which 41.5 % are in the commercial sector, 35.4% in the trade and craft sector and 23.1 % 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 2010, 606,500 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 55% are agricultural workers and 45% are farmers. Key French Social Security Figures

31 FINANCIAL SITUATION OF THE HEALTH INSURANCE AND BASIC PENSIONS BRANCHES OF THE RSI AND CNAVPL (IN MILLIONS OF EUROS) 70 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 SECTORS NET BENEFITS - CNAVPL PENSIONS Key French Social Security Figures 2010 / 32

32 3. 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 figures above. BENEFITS PAID UNDER THE AGRICULTURAL WORKERS SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security NET SICKNESS BENEFITS PENSIONS TOTAL BENEFITS Key French Social Security Figures

33 FINANCIAL SITUATION OF THE FARMERS SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security HEALTH BRANCH PENSIONS BRANCH ALL BRANCHES COMINED 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. For the pensions branch, there is no longer any transfer mechanism. BENEFITS PAID UNDER THE FARMER SCHEME (IN MILLIONS OF EUROS) Source: Directorate of Social Security NET SICKNESS BENEFITS PENSIONS TOTAL BENEFITS Key French Social Security Figures 2010 / 34

34 QUALITY AND EFFICIENCY PROGRAMMES (PQE) S ix Quality and Efficiency Programmes (PQE) have been developed in the main social security policy areas, namely the four different branches of the social security system (health insurance, work-related accidents and occupational injuries, pensions and family policy), social security financing and coverage of incapacity, disability and loss of autonomy. The PQE set out the main social security policy objectives, and assess progress in meeting them. The PQE comprise a scoping section and a second section presenting the objectives and expected outcomes of the policies implemented. The PQE 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 - Efficiency in delivering benefits and services - Financial viability They include 173 indicators of which 65 are structural and 108 relate to objectives and outcomes. An 8-page summary presents main developments in respect of the PQE. The PQE comprise Appendix 1 of the Social Security Financing Bill (PLFSS). Many of the indicators in this brochure are PQE indicators. They are available online: see LFSS at securite-sociale.fr. Key French Social Security Figures

35 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 state and the different social security institutions since Key considerations include processing speed, quality of service and financial 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 2010 / 36

36 1. QUALITY OF SERVICE Accueil physique Health Percentage of persons received within 20 minutes 93.4 % 91.5 % 90.8 % ND Annual number of visits (in millions) Family Percentage of persons received within 20 minutes 92.1 % 92.5 % 83.8 % 86.2 % Annual number of visits (in millions) Pensions Collection Annual number of visits (in millions outside of CGSS) Not relevant Phone reception Health Family Percentage of calls handled 90 % 87.3 % 86 % 85.6 % Annual number of calls handled (in millions) Percentage of calls handled 89.6 % 90.6 % 74.1 % 79.4 % Annual number of calls handled (in millions) Satisfaction rates regarding telephone contacts 92 % 90.3 % 91.9 % 91.8 % Pensions Percentage of calls answered 81.7 % 76.3 % 83.3 % 82.5 % Annual number of calls handled (in millions) ND Collection Percentage of calls handled 88.2 % 87.2 % 88.1 % 94.5 % Key French Social Security Figures

37 Processing time Health Family Pensions Collection Percentage of electronic claims resulting in reimbursement within 7 days 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 90.0 % 90.0 % 90.0 % 90.0 % 90.8 % 91.0 % 79.3 % 83.2 % 95.2 % 96.6 % 96.6 % 96.6 % 99.1 % 99.2 % 99.0 % 99.0 % Overall cost of administering benefits and contributions Health 4.37 % 4.30 % 4.20 % 3.98 % Family 2.76 % 2.77 % 2.66 % 2.56 % Pensions 1.22 % 1.21 % 1.17 % 1.16 % Collection 0.34 % 0.32 % 0.34 % 0.33 % e-administration Health Percentage of electronic claims + computerised data exchanges * 82.8 % 84.2 % 86.3 % 88.0 % Number of electronic claims (in millions - CPAM and CGSS) Family Progression rate for e-data collection ** % 84 % 83.9 % 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) Percentage of payments made electronically 83.5 % 88.4 % 95.0 % 97.4 % % 39.0 % % 50.6 % 85.0 % 88.3 % 88.3 % 89.9 % *(total deductions FSE+EDI/ Total service deductions) in 4 th quarter ** since 2008 Key French Social Security Figures 2010 / 38

38 2. IMPLEMENTATION OF SOCIAL SECURITY POLICIES Family Number of PAJE (early childhood benefit programme) beneficiaries Number of RSA (low-income top up) claimants Health Proportion of beneficiaries over 16 years of age having chosen their general practitioner Proportion of consultations under the coordinated medical consultation procedure 81.5 % 85.4 % 88.3 % 88.9 % 86.8 % 88.1 % 90.0 % 90.7 % 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 % *Indicator introduced in 2009 Collections Outstanding payment ratiosat March 31 st of following year All contributors combined (Uninspected and excluding ISU) % 0.71 % 0.93 % 0.77 % Private-sector employers (Uninspected) 0.61 % 0.73 % 1.00 % 0.80 % Public-sector employers (Uninspected) 0.02 % 0.03 % 0.03 % 0.04 % Key French Social Security Figures

39 ORGANISATION CHART AT 1 ST JULY 2011 The general scheme includes 123 CAF, 102 CPAM, 89 URSSAF and 16 CARSAT. Sickness and old-age benefits and the collection of contributions in the French Overseas Departments and Territories are administered by 4 CGSS. The scheme for the self-employed is administered through 30 regional offices. The agricultural scheme is administered through 35 local offices. Key French Social Security Figures 2010 / 40

40 Ministry for Labour, Employment and Health Ministry for the Budget, Public Accounts and State Reform Ministry for Solidarity and Social Cohesion Directorate of Social Security Key French Social Security Figures

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 fund Local funds Names ACOSS Central agency for social security funds URSSAF CGSS Social security and family benefits collection agency General social security fund (overseas territories and departments) CNAF National family fund CAF Local family benefit offices CNAMTS National health insurance fund for employees CPAM Local health insurance fund CARSAT Regional pension insurance and occupational health fund CGSS General social security fund (overseas territories and departments) CNAVTS National old-age pension fund for employees CARSAT CRAM Regional pension insurance and occupational health fund CGSS General social security fund (overseas territories and departments) Collection Pensions Health Family Occupational injuries and diseases Key French Social Security Figures 2010 / 42

42 AGRICULTURAL SCHEME FARMERS AND AGRICULTURAL WORKERS National fund Local fund Names National agricultural workers and farmers mutual welfare fund Local agricultural workers and farmers mutual welfare fund SOCIAL SECURITY FUND FOR THE SELF-EMPLOYED National fund Local funds Names Fund for the self-employed Regional fund URSSAF/OC* Social security and family benefits collection agency/official bodies Local family benefit offices * As of 1 January 2008, the RSI became the unique social contact-point for self-employed, artisanal, industrial and commercial professions for all personal benefits and social contributions (elderly and illness benefits, CSG -general welfare levy, CRDS -social security debt repayment levy, family benefits 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 authorised bodies that manage health care benefits for artisans, industrialists, shopkeepers and self-employed professions. ** Self-employed workers pay into the CAF of the general scheme. Collection Pensions Health Family Occupational injuries and diseases Key French Social Security Figures

43 Key French Social Security Figures 2010 / 44 For more information about the French social security system, go to DICOM-Communication interne septembre 2011 Réalisation : Direction de la Sécurité Sociale maquette : La Fabrique/Charlotte Jaunez Exécution : Créations Philippe Toumire