TERRITORIAL AGENT: ALL ABOUT THE FINANCING OF SOCIAL PROTECTION
As a territorial agent, you can benefit from financial support from your employer, as part of your complimentary health and provident insurance. However, the benefit of this financial contribution is subject to conditions, in particular labeling. What is it about?
The legal framework for the financial contribution of local authorities
Public establishments and local authorities can, if they wish, contribute financially to the complementary health and provident insurance of their agents. The establishment of such an allowance finds its legal basis in decree 2011-1474 of November 8, 2011. The objective of this financial contribution is to facilitate access to health coverage and to alleviate the financial impact of such protection for territorial agents.
In practice, the allocation from the local authority is granted under a labeled contract or within the framework of a participation agreement. Local authorities remain free to choose between one of these two options. In the specific case of labeling, it must imperatively be contracted to respect social criteria of solidarity. However, this precision alone is not enough to understand the territorial labeling as it should be.
The essentials to know about territorial labeling
The financial contribution of local authorities to the complementary health and welfare of their agents is dependent on one condition. In fact, it is only possible as part of complementary health or provident policy that has received a label from the Prudential Control and Resolution Authority (ACPR). This contract can in particular be signed with mutate-plus.fr, a mutual expert in the local public service.
As part of this contract, you are free as a territorial agent to choose your cover organization. Similarly, it is up to you to choose the level of protection sought. The priority, in this case, is that the initialed contract is actually eligible for the employer’s allowance and meets the social solidarity criteria.
In addition, if you are free to choose your contract, you still have the obligation to present a certification certificate each year. The amount of the allowance allocated by your public employer under this social protection is specified on your payslip. It can take the form of an individual or family bonus and takes your remuneration index into account. As you will have understood, your family members can also benefit from it.
Beneficiaries and criteria of an ACPR-label mutual fund
All territorial agents who so wish can benefit from a labeled mutual insurance company. The same is true for officers retiring. They can benefit from this coverage until the end of the last year of the contract, as long as they retain the status of a civil servant at the time of retirement. In this case, no criterion of age, sex, or state of health comes into play. However, depending on the profile of the beneficiary, the labeled mutual may not necessarily be beneficial for him.
In addition, if you choose an ACPR-certified mutual insurance company, you will benefit from taking the following criteria into account:
- your current health needs,
- your history in terms of health expenses,
- the future evolution of your state of health, which may require certain specific coverages (wearing glasses or prostheses) and eliminate others,
- the composition of your tax household depending on whether you are single, married, with or without children.
The advantages of a territorial public service labeled mutual
Even if it is not necessarily for everyone, the labeled mutual is generally an advantageous solution. Whether you are single, young, old, with or without children, such a contract reduces your supplementary health and provident costs. In fact, the financial contribution of your employer has a significant impact on the cost of your health coverage.
In addition, the fact that this contract can be extended to members of your family is another major asset. You will definitely save money on your healthcare expenses. To this, let’s add the possibility of personalizing your labeled contract according to your real health needs, and not taking into account a trend.