Expatriate: How to resume social security rights upon return?

ADVERTISEMENT

The three-month waiting period is covered by the Caissedes Français del'Étranger (CFE).Photo provider: Getty Images

The three-month waiting period is covered by the Caissedes Français del’Étranger (CFE).Photo provider: Getty Images

After a professional period abroad, you can reopen your social security rights. However, expatriates returning to France usually have a waiting period of three months. Depending on the country of installation, this defect can be avoided under certain conditions. Health insurance, unemployment, family support … Procedures and actions to be taken to reinvigorate the right to social protection may be expected.

overview:

  • overview

  • Return from expatriate: 3 months shortage to reactivate his rights

  • After returning to Japan, expatriates must declare a general practitioner and take out mutual insurance.

  • If you work immediately after being stationed, there is no waiting time.

  • There is no time to wait for ex-unemployed expatriates to receive benefits

  • There is no waiting period if you join the CFE

  • Return from Europe: Your rights are potentially transferable

  • Non-European expatriates: confirm the existence of an agreement with France

overview

● Return from expatriate: 3 months waiting period to resume his rights

ADVERTISEMENT

● After returning to Japan, expatriates must declare a general practitioner and take out health insurance.

● There is no waiting time if you work immediately after returning to Japan after being stationed overseas.

● There is no time to wait for former unemployed expatriates to receive benefits

● There is no waiting period when joining CFE

● Return from Europe: Rights may be transferable

● Expatriates outside Europe: Confirm the existence of an agreement with France

Return from expatriate: 3 months shortage to reactivate his rights

If you return to France after being stationed abroad for a certain period of time, you will need to reinstate your health insurance rights. Just like when you go abroad, you need to be as careful as you can to return to your country of origin. It’s a matter of predicting the conditions to be met and the steps to be taken to benefit from health insurance adapted to your new situation. In fact, the status of expatriates automatically means that you have lost your right to participate in the French medical system and you will need to contact Social Security again after returning home.

Whatever your professional or marriage situation, in order to reopen your rights, you must provide proof of stable residence in France for at least three months. The first step is to fill out a social security form entitled “Applying for Health Insurance Rights”. You will need to attach a copy of your ID, proof of your address to prove your stable residence, and your bank account statement.

Universal health protection for all

Since 2016, the PUMa Act (Universal Health Protection) has provided health insurance to all stable residents of France. Therefore, it is no longer mandatory to provide proof of employment or attach it to beneficiaries in order to demand the release of social security rights.

After returning to Japan, expatriates must declare a general practitioner and take out mutual insurance.

After resuming your health insurance rights, you will either recover or redo your Vitale card. Next, you should consider declaring a general practitioner. In fact, within the framework of a coordinated care route, all insureds must declare a referral doctor in charge of follow-up. This approach is essential as it determines the level of refund.

Also, consider taking out mutual health insurance to cover your health insurance. Unlike many insurance policies for expatriates to repay 100% of their actual costs, social security is less generous and it is advisable to take out complementary health insurance.

To know

If you lose your Social Security number, make a reservation with the dependent Primary Health Insurance Fund to apply. You will only need your ID.

If you work immediately after being stationed, there is no waiting time.

In some cases, the three-month waiting period before you can request the release of your social security rights may not apply. This is the case, for example, if you can show proof of employment as soon as you return to France. If you are in this situation, you will need to present (or mail) your employment contract to the major health insurance fund in your place of residence.

Remember

Since the enforcement of the PUMa law, compulsory health insurance in France based on professional activities is obtained from the first hour of work.

There is no time to wait for ex-unemployed expatriates to receive benefits

You can also avoid the three-month waiting period if you have registered with Paul Amplois and received an unemployment allowance. For example, if you have benefited from your previous tenure in France, consider re-registering with Paul Amplois as soon as you return to claim your rights. In fact, the resumption of health insurance rights is in response to a simple request to the primary fund.

There is no waiting period if you join the CFE

If you work as an expatriate, it is highly recommended that you contribute to the Caissedes Français del’Étranger (CFE). Indeed, this guarantees that you will continue your rights in France and will be refunded under French social security for your medical consultation, your possible length of stay and the purchase of your medicine. Make it possible.

Regardless of the country of return, having insurance at the CFE covers the three-month waiting period to restore your social rights. However, at the end of the three months, you should consider terminating your membership to stop contributing.

Return from Europe: Your rights are potentially transferable

If you are stationed in Switzerland, the United Kingdom, or a country in the European Economic Area (EEA) and have not yet found a job, you will be entitled to health insurance immediately after returning to Japan. To be on the safe side, the EEA is made up of Iceland, Liechtenstein and Norway, in addition to all the countries of the European Union (EU).

Be careful

Expatriates who returned to France between March 1, 2020 and September 30, 2021 had health insurance without a waiting period. Indeed, the health crisis situation associated with Covid-19 allowed them to benefit from special conditions.

This is the case, for example, if you received an unemployment allowance in your country of residence. After that, your rights will be transferred to France for 3 months, especially if you live permanently in France. You can benefit from health insurance by simply presenting your European Health Insurance Card (EHIC).

Regain your right to unemployment benefits

Also, don’t forget to get the “U2-Maintien” document on unemployment benefits from organizations that pay you social benefits. Within 7 days of returning to France, please register with the Paul Amplois agency, which depends on your place of residence in France, and submit this form.

If you do not receive unemployment benefits in the country of establishment, the latter can maintain your right to health insurance in that country’s system. In this case, you can benefit from French health insurance by presenting your European Health Insurance Card (EHIC). Your unemployment rights are calculated according to your working period reported in a portable document called the “U1 period”. Before returning home, you should consider getting it in your expatriate country.

Non-European expatriates: confirm the existence of an agreement with France

If you move to a country other than the European Economic Area, Switzerland, or the United Kingdom, make sure that this country has signed a bilateral social security agreement with France. In this case, the insurance period settled in this country can be taken into account at the time of return. On the other hand, if you have worked in a country unrelated to France under the Social Security Agreement, a waiting period of 3 months will apply. Of course, unless you find a job or receive an unemployment allowance.

An agreement on the websites of the European and International Center for Social Security Liaison (CLEISS) provides a list of countries detained in France. Also, for each country, you will have all the information you need to return to France.

An important date in the history of French social insurance

2018: RSI (Social Scheme for Self-employed) is attached to the general scheme.

2016: Launch of PUMa (Universal Health Protection).

2008: Replaced RMI (Minimum Integration Income) with RSA (Active Solidarity Income).

2006: Creation of RSI (Social Regime for Independents).

2010: Changed the statutory retirement age from 60 to 62.

2004: Implementation of coordinated care channels through general practitioners and promotion of generic drugs.

2000: Established CMU (Universal Health Coverage).

1997: Implementation of Vitale card.

1995: Establishing the principles of the Annual Social Security Finance Act.

1990: Creation of CSG (Generalized Social Contribution).

1961: Creation of the ARRCO scheme (supplementary pension scheme for part-time officers).

1956: Introduced at least in old age.

1947: Creation of the AGIRC scheme (supplementary pension scheme for executives).

[1945年:社会保障の創設。