Your pension & health is now managed by Securité Sociale

By Valérie Aston on 21 January 2020 · Viewed 1011 times · Questions

Regime Social des Independants (RSI) used to be the body collecting social charges and managing health and pensions for entrepreneurs. You often had another body managing your health, such as La Ram, Harmonie Mutuelle, Mutuelle du Soleil. RSI had such a bad reputation, that the Government decided in 2018 to switch entrepreneurs to régime général managed by Sécurité Sociale called Securité Sociale des Independants (SSI).

In practice, this task was too big to handle, so only new entrepreneurs were directly affiliated with Securite Sociale from 2019. If you registered your business in 2019, you would for instance have noticed that your health was managed by Securite Sociale, also called CPAM (online site Ameli). You might have been surprised as this used to be only for employees.

If you registered your business before 2019,  the switch will take place in 2020, between 20th January and 17th February. You may receive an email and/or a letter from Securite Sociale informing you of this change.

What does the switch to Securite Sociale mean for you?

  • Your health will be managed by Securité Sociale / CPAM. You will need to update your carte vitale at your local chemist and you will have to create an account on Ameli. Wait for CPAM to inform you of the switch.
  • Your pension will be managed by Caisse d’Assurance Retraite, which is also the body managing employees’ pensions.
  • The switch is automatic and there will be nothing for you to do (no forms or request).
  • Your social charges rates will not be impacted and you will keep declaring to URSSAF/SSI

What will happen to your health expenses

You will be covered by your existing health body called Organisme Santé (e.g. Harmonie, La Ram, etc) until you receive a conformation email or letter from CPAM that the switch is complete. This means that in the meantime, you need to keep sending your requests for reimbursements to your existing health body.

Read more about the switch to Securite Sociale and Caisse de Retraie on the Goverment's website.

If you have more questions, join the forum.


Valerie Lemiere: Start Business in France

About the author: Valérie Aston

I've been helping people who want to start or already have a small business set up in France since 2009. After graduating from a Master of Business Administration (MBA) degree, I worked as a senior marketing consultant in the UK and France for various International companies. I worked as a conseillère en création d'entreprises (senior business advisor) for BGE here in France and run this independent business on a daily basis.