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15/04/2007, 19:24 cs Joined on 22/11/2004 Posts 35 E106 / French Health System Hi, I am getting slightly confused with all the different bits of information I've read.  We've taken early retirement at ages 53 & 52 and will be departing shortly on a permanent basis, we know the E106 will give us up to a maximum of 2 years without paying into the french system other than top up insurance but, to register the E106 at the local CPAM office is a UK address a requirement, as we won't have one?  An article we have just read (not on this site) gives the impression that without a UK address the E106 will be worthless.  This means, we think, that we would have to pay into the system via the social security tax straight away.  Can anyone please enlighten us. Also, Social Charges - can someone explain what this is as originally we were getting this tangled up with social security. Many thanks in advance. Chris     Report

15/04/2007, 19:33 miszter Joined on 25/05/2006 Haute Vienne/Warwick Posts 26 Re: E106 / French Health System Hi there You don't need a UK address to register with CPAM.  You do need a French address.  You need to take with you when you go to the CPAM office:  E106, French utility bill (for address), Birth certificates, marriage certificates, RIB.  Take copies of EVERYTHING before you go.    I think that is all we took with us and all was sweetness and light!! Sorry - can't help with the social charges as I don't really understand them myself, but there are plenty of very knowledgeable people on this site. Good luck with your move Miszter    Report

15/04/2007, 19:45 cs Joined on 22/11/2004 Posts 35 Re: E106 / French Health System Many thanks for your reply...Chris    Report

16/04/2007, 7:15 Chas Joined on 23/08/2004 Mortagne sur Gironde, 17 Posts 344 Re: E106 / French Health System  miszter wrote: Hi there You don't need a UK address to register with CPAM.  You do need a French address.  You need to take with you when you go to the CPAM office:  E106, French utility bill (for address), Birth certificates, marriage certificates, RIB.  Take copies of EVERYTHING before you go.    I think that is all we took with us and all was sweetness and light!! Sorry - can't help with the social charges as I don't really understand them myself, but there are plenty of very knowledgeable people on this site. Good luck with your move Miszter   As you have taken early retirement you may be asked, as we were, to sign an attestation that you have no intention of working in France Chas 17    Report

16/04/2007, 9:03 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,440 Re: E106 / French Health System Social charges are the contribution you pay towards lowering the French national debt and are a tax on income.  Nothing to do with Social Security which is to pay for health care etc (like National Insurance in the UK.) Healthcare Issues Site    Report

16/04/2007, 9:12 Ron Avery Joined on 29/11/2004 Aveyron 12 Posts 3,393 Re: E106 / French Health System CS There is a lot of confusion about social charges and health care charges, they are not the same.  You could do a search it was discussed sometime back on a number of threads, but basically, after your E 106 expires you must get a letter from the UK to say that you are no longer entitled to cover under the E 106.  You go to CPAM with all the documents that you took the first time plus the letter and your tax bill and return.  By the time your E 106 expires say December 2008 you will have paid tax in France in 2008 for the year 2007.  Based on your joint income you will then pay into the French Health care system, you are obliged to join, it is not optional. Social charges:  Have a look at  http://www.completefrance.com/cs/forums/881386/ShowPost.aspx This is about rental income but the same principles apply.  Social charges come in different forms and are contributions to the French social services, not necessarily healthcare, they are levied in two ways, via your income tax (CRDS) but you should not pay CRDS whilst covered by an E 106 , I am not going to go into here how you do this on your tax form, there is lots about it in other threads. (Try a search on CRDS) As you will see in the thread referenced above, if you receive any form of unearned income such as rents, interest on savings etc  this has to be declared on your tax form, you also have to declare all your bank accounts held so hard to avoid and why would you want to anyway  This income is liable to social charges,  PS and CGS at 11% of total joint income, this is in addition to your income tax amd health care contributions and is billed separately. Hope this helps, come back if you are unsure of anything else Why not post a sensible answer, people will appreciate it more    Report

18/04/2007, 9:42 cs Joined on 22/11/2004 Posts 35 Re: E106 / French Health System Thanks Ron for all the info.  As suggested I have gone through all the threads including the threads on tax calculations and have spent a couple of days head scratching! Can you confirm something for me please, unearned income which in our case will be our savings only, one of the threads says the charge is 0.5% whereas your last para says 11% - maybe I've spent too long on this and am now totally in a mucking fuddle ! Thanks,  Chris     Report

18/04/2007, 9:51 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,440 Re: E106 / French Health System cs, I understand your confusion!  I am still trying to get my head around this.  I'm pretty sure that you pay 0.5% of your total income and 11% on unearned income in social charges.  But it would be great if we could get a difinitive answer.  Some of the threads referred to certainly made my head spin after a while. Healthcare Issues Site    Report

18/04/2007, 12:59 Ron Avery Joined on 29/11/2004 Aveyron 12 Posts 3,393 Re: E106 / French Health System "one of the threads says the charge is 0.5%,  whereas your last para says 11%" This is the confusion that comes from the collection of social charges by two different routes. Both figures are correct.  When you are not covered by an E form (106 121) from the UK for your health care, you have to pay CRDS through your income tax at a rate of 0.5% of your income, this should not be paid whilst covered by an E form as it is a contribution towards the French social services debt and should not be taken from people who have their health charges paid by another country. Separately you pay social charges on the unearned income that you have declared on your tax return, such as interest and rent, this is charged at a rate of 11% of the total unearned income. These payments are entirely separate to the CRDS charged and paid via your income tax and the contributions that you have to make for your health care. Why not post a sensible answer, people will appreciate it more    Report

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