dss chiffres cle s 2008 anglais:dss - securite-sociale.fr · less than 1% dss_chiffres clés 2008...

KEY FRENCH

Social Securityfigures

for 2008

2009 Edition

DSS_Chiffres clés 2008 anglais:DSS 10/02/10 15:31 Page1

Key FrenchSocial Security figures for 2008

2009 EDITION


C O N T E N T S

French Social Security .............................................. 5

I. Social Security revenue : from contributions to benefits .................................. 7

II. The Illness Division ............................................ 11

III. The Old-Age Division......................................... 15

IV. The Family Division........................................... 17

V. The Occupational Accidents and Illness Division................................................. 20

VI. Financial equilibrium ........................................ 23

VII. Social Security public service performance .... 25

Institutional Organigram of the Social Security System................................. 29

4


5

French Social SecurityThe French Social Security system, founded in 1945,"provides everyonewith the guarantee that under any circumstances he or she will have thenecessary means to support him or herself and his or her family indecent conditions”. It is based on the principle of solidarity guaranteeingfinancial protection for all against life's accidents.

It includes health insurance, occupational accidents and illness cover, old age provision and family benefits. In addition to these four divisionsa specific body is responsible for the collection of social securitycontributions and the management of funds.

The Social Security system is based on universalist and unitaryprinciples but is managed by different schemes: the general scheme foremployees, the schemes for farmers and agricultural workers managedby the CCMSA and the social scheme for the self-employed (RSI) that covers artisans, shopkeepers, industrialists and self-employedprofessions. In addition there are many other special schemes specificto certain professions including those who work in the public sector, for the National Rail (SNCF), for the Parisian Transport Network (RATP),for the National Electricity and Gas Company (EDF-GDF) etc.) TheGeneral Scheme alone accounts for three quarters of the whole socialsecurity burden.

In 2008 the General Scheme's total net expenditure was 303.3 billionEuros and the total net expenditure of all schemes combined was414.0 billion euros.

It is funded by the social charges paid by employers and employees aswell as by various contributions and taxes.

Despite being regularly approved by the French in opinion polls, mostare unaware of the way in which the Social Security system works andthe vast financial ressources it has to manage. The aim of thispublication is to fill this knowledge gap by presenting the main figuresrelating to social security allowing a greater awareness of the issues ithas to tackle today and to better understand its development.

Explanatory statement from the French decree of 4 October 1945 establishing the Social Security


7

I.Social Security revenue : from contributions to benefits

General data on the collection division

• ACOSS (Central Agency for Social SecurityBodies) is responsible for the cash operationsof the General Social Security Scheme andmanages the 99 URSSAF offices that collectsocial security contributions.

• 7.2 million individual user accounts managedin 2008

• 359.7 M euros of revenue collected over 2008.


8

44 %

44 %12 %

58 %22 %

10 %

10 %

All sectors

SHARE OF MAIN CONTRIBUTORS TO THE GENERAL SCHEME IN 2008

Source: Quality

and Efficiency Programme

"Funding" (appendix 1

of Social Security Budget

2010)

GENERAL SCHEME REVENUE IN 2008

Source: Appendix 4

of 2010 Social Security Budget

Households

Companies

Public Bodies

Contributions

CSG (Universal social contributions)

Tax

Other financial income


68 %

21 %

11 %

76 %

5 %

19 %

9

Source: Social Security Accounts committee

Social SecurityContributionRates as of 1 January 2009

Employer Employee Total

Illness 12,8 0,75 13,55

Old age pensions

below ceiling

above the ceiling

8,3

1,6

6,66

0,1

14,95

1,7

Family 5,4 - 5,4

Occupational accidents(on average) 2,28 - 2,28

49 %

4 %

10 %

37 %

Source: Appendix 4 of

2010 SocialSecurity Budget

By "capped employeeshare or capped

employer share" wemean the contributions

owed only on the part ofthe salary that is below

the Social Securityceiling as opposed the

"uncapped share" whichmeans the contributions

owed on the wholesalary. Only the Old-Age

Division receivescontributions on a

capped salary.

SCHEME REVENUE PATTERNS IN 2008

SOCIAL SECURITY CONTRIBUTIONS OF EMPLOYEES AND EMPLOYERS

Contributions

CSG (Universal social contributions)

Tax

Other financial income

CNAV(Elderly)

CNAM (Health)

CNAF (Family benefits)

CNAM AT-MP(Occupational injuries and diseases)


10

DEVELOPMENT OF NATIONAL MINIMUM WAGE EMPLOYER CONTRIBUTIONRATES (INCLUDING GENERAL EXEMPTION MEASURES)Evolution in employers' effective payment rate on minimum wage (in % of gross salary, 1980-2009)

For the last 20 years the effective rate thatbusinesses have had to pay on the minimumwage has been decreasing. Indeed, as em-ployers' non-social security contributionswere increasing by more than 4 points, em-ployers' social security contributions wentfrom 33% to 4.38% of the gross salary. Thisreduction is mainly attributable to measures

since the middle of the 1990s aimed at reducing employers' charges on low wages.Today social security charges account foronly 21.4% of all effective charges to be paidby employers.

Source: DSS (Social Security Direction)

DIVISIONS' SHARES OF THE GENERAL SCHEME'S EXPENDITURE IN 2008.

Source: Social Security

Accounts Committee

2009

Note for the graph: thecalculations are based

on a company withmore than 20 employees

based in the Parisianregion, having made the

transition to a 35 hourworking week in

January 2000 (dottedline) or having remained

at a 39 hour workingweek (solid line).

v totalv other

contributions

v Social Security

3 %3 %

31 %

47 %

19 %

CNAM Health

CNAF(National family

benefit fund)

CNAV(National

retirement fund)

CNAM-AT(National health insurance and occupational

accidents fund)

Reductions introducedwhen Fillon was

Employment Minister

Exemption introducedwhen Juppé was prime Minister

Family benefit exemption

Structural support introduced when Aubry

was Employment Minister


11

II.The Illness Division

General data on the illness division

• The CNAMTS (General National Agency for Health Insurance of Employees) manages the Illness Division of the Social Security's GeneralScheme and manages the 128 CPAM offices (Local Health Insurance Funds).

• 56.9 million beneficiaries under the GeneralScheme.

• 89% of the population is insured by the CNAMTSwhich funds around 76% of global health costs

• Total expenditure of 130.3 billion Euros in 2008

• Health expenditure represents 11.0% of GDP as of 2008

ns

rity


12

Md7 courants

1,5 % 4,0 % 2,6 % 5,6 % 5,6 % 7,1 % 6,4 % 4,9 % 4,0 % 3,2 % 4,0 % 3,5 %

1998 19991997 2000 2001 2002 2003 2004 2007 20082005 2006

1,4 1,3

75,5

13,7

9,4100 %

80 %

60 %

40 %

20 %

0

1995 2000 2005 2006 20082007

77,1 77,1 77,0 76,176,3

1,1 1,2 1,3 1,412,2 12,8 13,2 13,4

9,6 9,0 8,4 8,9

13,5

9,0

DEVELOPMENT OF THE FUNDING STRUCTURE FOR HEALTHCAREAND MEDICAL GOODS IN %

Source: National Health Accounts

ANNUAL PROGRESSION IN HEALTH INSURANCE EXPENDITURE(ONDAM)* FROM 1998 TO 2008

*ONDAM: National Target

for Health Insurance Spending


Accounts Committee

Households

Complementary

healthcare funds

Basic social security

(CMU - card AME)

Social Security

In billions of euros(current)


1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

- 2,4 - 0,7 - 1,6 - 2,1 - 6,1 - 11,1 - 11,6 - 8,0 - 5,9 - 4,6 - 4,4

Md7 courants

13

HEALTH SPENDING FUNDED BY NATIONAL HEALTH INSURANCE(ONDAM - PROVISIONAL 2008 FIGURES)

Source: Social Security Accounts Committee

Out-patient expenses include the fees of self-employed healthcare professionals, cash bene-fits (daily sick pay) and out-patient medicine

and medical equipment as well as transport.

5 %

008

FINANCIAL BALANCE OF THE ILLNESS DIVISION OF THE GENERALSCHEME

Source : Social Security Accounts Committee

Outpatient

Healthcare providers

Medical and Social

Others


less than 1%


14

INTERNATIONAL COMPARISON OF HEALTH SPENDING

Total health spending as a percentage of gross domestic product (GDP) is an indi-cator that places health spending in theperspective of a country's resources. With209.1 billion Euros in 2007 total healthspending was 11.0% of GDP in France, farbehind the United States (16.0%) and ahead

of Germany (10.4%), Sweden (9.1%) and the United Kingdom (8.4%). From 2003 thescope of this indicator was increased to include spending related to disability anddependence. However, this change does notresult in a break in the series presented.

Source: DREES "NationalHealth Accounts 2008" and

Eco-health OECD 2009

Health spending as a percentage of GDP

United States

GermanyFrance

Sweden

United kingdom


15

III.The Old-Age Division

General data on the Old-Age Division

The CNAVTS (National Old-Age Fund forEmployees) provides pensions for the GeneralScheme.• 11.9 million pensioners under the General

Scheme in 2008• 87.2 billion Euros in benefits paid in 2008 by

the CNAVTS • Pensions spending as a percentage of GDP:

12.5% in 2008.


INCREASE IN THE NUMBER OF PENSIONS UNDER THE GENERAL SCHEME

2008

The arrival at retirement age of the "babyboom" generation and early retirementpolicies have led to an increase in the

number of retirements, the effect of whichis spread over several years.Source : Social Security Accounts committee

En Md7

courants

1999 2000 2001 2002 2003 2004 2005 2006 2007 20081998

0,0

- 1,9 - 1,9

0,8 0,5 1,5 1,7 0,9 0,3

- 4,6 - 5,6

FINANCIAL BALANCE OF THE OLD-AGE DIVISIONOF THE GENERAL SCHEME

Source: Social Security Accounts committee16



IV. The Family Division

17

General data on the Family Division

• The CNAF (National Fund for Family Benefits)provides family benefits under the GeneralScheme and manages 123 CAF (family benefitagencies).

• 11 million beneficiaries in 2008• 68.5 billion Euros in total benefits paid by

family benefit agencies (CAF) in 2008.• Legal family benefit spending as a percentage

of GDP: 2.05% in 2008


ORGANISATION OF LEGAL FAMILY BENEFITS IN 2008

Source: SocialSecurity Accounts

committee

NUMBER OF FAMILIES IN RECEIPT OF FAMILY BENEFIT (ALL SCHEMES)

Source: CNAF (National Family Fund)

18

44 %

1 %10 %

16 %

29 %

No children 1 child 2 children 3 children 4 children & over

1993 1994 1995 1996 1997 2004 2005 2006 20071989 2002 200320012000199419921990 1991 1992

0

500

1000

1500

2000

2500

3000

3500

Family benefits

Young children allowance (PAJE...)

Disability benefits(AAH,AEEH)

Housing benefits

Other


En Md7

courants

1999 2000 2001 2002 2003 2004 2005 2006 2007 20081998

-0,2 -0,4 -1,3 -0,9 -0,3

0,2 0,20,41,01,71,5

FINANCIAL BALANCE OF THE FAMILY BENEFIT DIVISIONOF THE GENERAL SCHEME


19



20

V.The Occupational Accidents and Illness Division

General data on the Occupational Accidentsand Illness Division

• A specific branch of the National HealthInsurance Fund (CNAMTS-AT) is responsible,on the national level, of the Health andOccupational Accidents and Illness Division of the General Social Security Scheme

• More than 2 million employers contribute to the Occupational Accidents and Illness insurance scheme for some 18.6 millionemployees (that is approximately 70% of the active population)

• 704,000 work accidents and 45,400 occupationalillnesses resulted in work stoppages in 2008.

• 7.5 billion Euros were paid out in social benefits in 2008.


21

En Md7

1999 2000 2001 2002 2003 2004 2005 2006 2007 20081998

0,0

0,0

0,2 0,2 0,20,4

- 0,5 - 0,2 - 0,4 - 0,1 - 0,5

STRUCTURE OF THE OCCUPATIONAL ACCIDENTS AND ILLNESS DIVISIONOF THE GENERAL SCHEME IN 2008 :


FINANCIAL BALANCE OF THE OCCUPATIONAL ACCIDENT AND ILLNESSDIVISION OF THE GENERAL SCHEME


Accounts committee

Permanent incapacity-allowance

and capital

Other costs

Sick pay

Abestos coststhrough the

organiasationsFCAATA and FIVA

Temporary incapacity not

including sick pay

24 %

20 %9 %

11 %

36 %



18 %

13 %

21 %

17 %2 %

4 %

8 %

6 %

11 %

22

The CTN (National Technical Committees) combine the professional activities of 9 main sectors. From 2002 to 2008 the average number

of occupational accidents resulting in work stoppages was 714,000 per year for the GeneralScheme.

WORK ACCIDENTS BY SECTOR IN 2008

Source: CNAMTS (Annual national technological statistics) – 2009

Service activity II

Building and publicworks

Transport and comunication

Services, retail, food industry

Metallurgy

Non food industry

Service activity I

Wood, furniture,paper-card, textiles,clothing, leather andskins, stone trades

Chemical, rubberand plastic industries


VI. Financial equilibrium

AMOUNTS AND COMPARATIVE PROGRESSION OF SOCIAL SECURITY,STATE AND LOCAL GOVERNMENT SPENDING

APUC : Central Administrations (State and various Central Administration bodies).ASSO : Social Security Administrations (including unemployment and compulsory supplementary pensionpayments).APUL : Local public administrations.APU : Public administrations.

Source : National Accounts, 2000 database, INSEE (National Statistics Office)

23

1986 1988 1990 1992 20041978 2002 2006 200820001998199619941980 1982 1984 0

10

20

30

40

50

60

APUC spending ASSO spending

APUL spending APU spending


24

DEVELOPMENT OF THE GENERAL SCHEME FINANCIAL BALANCE


AMOUNT OF THE REMAINING DEBT OWED BY THE SOCIAL SECURITYDEBT REPAYMENT FUND (CADES)

Source: Quality and EfficiencyProgramme "Funding"(appendix 1 of SocialSecurity Budget)

2004 2005 2006 2007 2008

4,0 %

4,3 % 4,3 %

3,9 %

4,1 %

50

80

75

70

65

60

55

In billions of euros (current)

1999 2000 2001 2002 2003 2004 2005 2006 2007 20081998

- 3,5 - 10,2 - 11,9 - 11,6 - 8,7 - 9,5 - 10,2

1,20,70,5

-2,5


VII.Social security public serviceperformance

Data from the “Overview of Performance of French Social Security generalscheme bodies in 2008”

SERVICE QUALITY

Physical reception 2005 2006 2007 2008

Health

% of people met within 20 minutes

Annual number of visits (in millions)

92.0%

38

93,5%

39

93,4%

32,9

91.5%

33,6

Family

% of people met within 20 minutes

Annual number of visits (in millions)

92,0%

19

93,0%

19

92,1%

19,2

92,5%

18,2

Pensions

% of records of employment updated in the local agencies

Annual number of visits (in millions - not including CGSS)

75,0%

2,4

79,0%

2,5

83,1%

2,6

83,0%

2

Collections% of Social Security and Family Benefits CollectionAgency agencies where the waiting time is lessthan 20 minutes for those without an appointment

ND ND ND ND

25

Illness


26

(2) for 48 call centres covering 100 agencies (CPAM)(3) for 56 call centres covering 125 agencies (CPAM) and 1 General Social Security Scheme(4) for 56 call centres covering 125 agencies (CPAM) and 1 General Social Security Scheme(5) for 57 call centres covering 127 agencies (CPAM) and 1 General Social Security Scheme(6) for 57 call centres covering 128 agencies (CPAM) and 1 General Social Security Scheme

Processing time 2005 2006 2007 2008

Illness% of electronic patient claims reimbursed within 7 days 97,0 98,0% 90,0% 90,0%

Family

% of requests processed within 21 days

% of requests processed within 15 days

97,0%

ND

97,0%

94,0

95,2%

90,8%

95,4%

91,0%

Pensions% of claims paid in the followingmonth due date (for France residents) 94,0% 96,0% 95,2% 96,7%

Collections 10 day debit integration rate 92,5% 98,0% 99,1% 99,2%

Call Handling 2005 2006 2007 2008

Illness% of calls processed by agent

Annual number of calls processed (in millions)

87,0

23,0(1)

87,0%

27,0(2)

90,0%

25,2(3)

87,3%

27,3(4)

Family% of calls processed by agent


89,0%

37

90,0%

36

89,6%

34

90,6%

32,3

Pensions

Satisfaction of customers with regard call handling


93,0%

15,5

93,0%

ND

92,0%

ND

90,3%

4,1

Collections % of calls processed by agent 87,0% 88,0% 89,4% 76,3%


27

*(total FSE+EDI/ Total statements of benefits in kinds) in fourth quarter

Overall Gross Management Costsin % of Benefits or Contributions

2005 2006 2007 2008

Illness 4,43% 4,14% 4,2% 4,0%

Family 3,10% 3,0% 2,9% 2,9%

Pensions 1,26% 1,25% 1,2% 1,2%

Collections 0,36% 0,34% 0,3% 0,3%

Computerised Entry 2005 2006 2007 2008

Illness

Percentage of electronic claims +computer data exchange*

Number of electronic claims + (in millions - CPAM and CGSS)

79,0%

674,080

81,0%

697,818

82,8%

738,085

84,2%

755,712

Family

Percentage of income statementsmade online

Number of households having filled in their income statement on line

10,0%

862495

23,0%

2010715

35,0%

3026977

ND

ND

Pensions

% of annual computerised entries of social data statements

Number of computerised entries of annual social data statements

60,0%

1168688

74,0%

1442574

83,5%

1501057

88,4%

1775906

Collections

Percentage of computerised statement entries (Contributions statement) in number of accounts -private sector companies

Number of accounts using a teleprocedure

17,0%

750436

24,0%

ND

31,5%

ND

39,0%

ND


IMPLEMENTATION OF SOCIAL SECURITY POLICIES

1 The source used to calculate the percentage of those insured who chose a GP was changed in 2007 in order toobtain more reliable results. The figures have therefore been corrected to give a homogeneous series for the2006-2008 period

Family 2006 2007 2008

Number of nursery places created 11827 10633 8904

Illness 2006(1) 2007 2008

Proportion of consultations that used the new GP referral system.

83,8% 86,8% 88,1%

Proportion of users over the age of 16 who have chosen their GP.

78% 81,5% 85,4%

Pensions 2006 2007 2008

% of beneficiaries whose career history has been compiled by the CNAVTS 2 years before retirement

90,4% 89,9% 94,0%

Collections 2006 2007 2008

Percentage of outstanding collection on 31 March of the following year

self-employed - non-salaried 3,56% 4,37% 9,00%

Employers from private sector (outside control)

0,66% 0,61% 0,73%

Employers from public sector 0,02% 0,02% 0,03%

28


29

Institutional Organigram of theSocial Security System

The social security schemes

• The general scheme• The agricultural scheme• The social security scheme

for the self-employed


30

General schemeEmployees

ACOSS

URSSAF

CNAF

CAF

CNAVTS

CRAM

CNAMTS

CPAM

CRAM

CGSS

CGSS

CGSS

ACOSSredistributes the

revenueearmarked forfinancing the

benefits of thesocial security

general scheme’sfour sectors

(health,occupationalaccidents &

diseases, family,pensions).

Central Agency of Social Security Bodies

Social Security and Family Benefits Collection Agency

General Social Security Fund (overseas territories and departments)

National Family Benefit Fund

Local Family Benefit Fund

National Employees' Health Insurance Fund

Local Health Insurance Fund

Regional Health Insurance Fund

General Social Security Fund (overseasterritories and departments)

National Employees' Retirement Fund

Regional Health Insurance Fund

General Social Security Fund (overseasterritories and departments)

National Fund Local Fund Names

Collections Occupational accidents & diseases Pensions Illness Family


31

Agricultural schemeFarmers and Agricultural Workers

URSSAF/OC*

* As of 1 january 2008, the RSI became theunique social contact-point for the self-employed,artisanal, industrial and commercial professionsfor all personal benefits and social contributions(elderly and illness benefits, CSG - general wel-fare levy, CRDS - social security debt repaymentlevy, family benefits and training contributions.The RSI delegates some of its collection duties toURSSAF. 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-employedprofessions.

** Self-employed workers pay into the CAF ofthe General Scheme

Social Security Fund for the Self-EmployedNon-waged agricultural workersSocial Security Fund for the Self-Employed

National Social Security Fund for theSelf-Employed

Regional Fund

Social Security and Family Benefits Collection Agency/Official bodies

Family Benefit Fund

Central Agricultural Social Fund

Local Agricultural Social Fund



Collections Occupational accidents & diseases Pensions Illness Family


For more information about the French Social Security System,

visit our internet website:

www.securite-sociale.fr

In particular many indicators are calculated as part of the Quality

and Efficiency Programmes, which forms Appendix 1 of the Social Security Budget

(PLFSS) presented to Parliament each year on 15 October:

http://www.securite-sociale.fr/chiffres/lfss/lfss2010/2010_plfss_pqe/2010_plfss_pqe.htm

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