The French social protection scheme for salaried workers in the agricultural professions

2018

Alongside the general scheme for salaried workers, the scheme for self-employed workers, and the special schemes (specific to certain lines of work), the French social security system also has a separate scheme for salaried and self-employed workers in agriculture.
The following information applies to salaried agricultural workers.

I. Introduction

A. A single organization: “Mutualité sociale agricole” (Agricultural social mutual organization)

France’s social protection system for the agricultural professions operates with oversight both from the ministry in charge of agriculture and from the ministry in charge of social security. It is run by the central agricultural social mutual fund (“caisse centrale de la mutualité sociale agricole”/ CCMSA) and by the local agricultural social mutual (MSA) funds.

The agricultural social mutual organization MSA provides social coverage for all individuals with ties to agriculture (self-employed workers, employers, salaried workers, and their beneficiaries). As France’s second-largest social protection scheme, MSA is an institution with an elective setup that is representative of the entire population with ties to agriculture.

MSA’s network of 35 funds, which can cover one or more of France’s “départements,” manages the compulsory social protection schemes for salaried and self-employed members of the agricultural professions.

In addition to providing statutory social protection, MSA’s health and social policy gives rise to solidarity, disability, and dependency-related programs.

MSA is also in charge of preventing on-the-job risks for the agricultural professions and providing occupational health care for agricultural salaried workers, farmers, and company managers.

For more information on MSA:

B. Scope

France’s social protection scheme for salaried workers in the agricultural professions covers salaried workers involved in agriculture, such as:

For more information: Article L. 722-20 et seq of the French rural and maritime fishing Code  

II. Contributions and collections

A. Contributions on salaries in 2018

Agricultural social insurance schemes (“Assurances sociales agricoles”/ ASA)

* Monthly Social security ceiling in 2018 : 3,311 €.
ASA contribution rates
Contributions Basis Employer’s share Employee’s share Maximum rate
Health, Maternity, Disability, Death Total pay 13 % 13 %
Old-age insurance Total pay 1.90 % 0.40 % 2.30 %
Pay up to the ceiling* 8.55 % 6.90 % 15.45 %

Family benefits (“Allocations familiales”)

Family benefit contribution rates – salaried workers except those employed at public-interest agricultural electricity companies (“Société d'Intérêt Collectif Agricole d'Electricité”/ SICAE)
Pay Contribution basis Employer’s share Employee’s share Maximum rate
Pay › 3.5 times France’s annual minimum wage (“SMIC”) Total pay 5.25 % - 5.25 %
Pay ≤ 3.5 times France’s annual minimum wage (“SMIC) Total pay 3.45 % - 3.45 %
Family benefit contribution rates for statutory employees of France’s public-interest agricultural electricity companies (“Société d'Intérêt Collectif Agricole d'Electricité”/ SICAE)
Pay Contribution basis Employer’s share Employee’s share Maximum rate
Pay ≤ 120% of France’s minimum wage (“SMIC”) Total pay 0 % - 0 %
Pay › 120% of France’s minimum wage (“SMIC”) and ≤ 130% of France’s minimum wage (“SMIC”) Total pay 2.63 % - 2.63 %
Pay › 130% of France’s minimum wage (“SMIC”) Total pay 5.25 % - 5.25 %

Industrial accidents

Taux de la cotisation AT
Contribution Contribution basis Employer’s share Employee’s share Maximum rate
Industrial accident Total pay Variable - Variable

The industrial accident rate can be either an overall group rate or an individual rate. It varies based on the risk category in which the farm or company has been placed. The group rate is set by ministerial decree.

Unemployment (“Assurance Chômage”/ AC) and Salary guarantee (“Assurance garantie des salaires”/ AGS) insurance

Contribution rates collected by MSA on behalf of third parties
Contribution Contribution basis Employer’s share Employee’s share
Unemployment Up to 4 times the social security ceiling 4.05 %(1) 0.95 %(2)
Salary guarantee insurance 0.15 %(3) -

(1) The employer’s contribution is increased by 0.5% on fixed-term contracts lasting 3 months or less.
(2) The employee’s contribution will be eliminated in October 2018.
(3) For interim employees working at temp agencies, this rate is reduced to 0.03%.

Social contributions: CSG/CRDS/ “Forfait social” (Corporate social contribution)/ Other contributions

* Monthly Social Security ceiling in 2018: 3,311 €.
Rates for the statutory contributions collected by MSA on behalf of the State as from January 1st, 2018
Contributions Contribution basis Employer’s share Employee’s share Total
General social contribution (“Contribution sociale généralisée”/ CSG) 98.25% of pay up to 4 times the Social Security ceiling* and 100% of pay beyond that amount - 9.2 % 9.2 %
Social debt repayment contribution (“Contribution au remboursement de la dette sociale”/ CRDS) 98.25% of pay up to 4 times the Social Security ceiling* and 100% of pay beyond that amount - 0,5 % 0,5 %
Corporate social contribution (“Forfait social”) Certain pay components (excluding the contribution bases below) that are exempt from Social security contributions but liable to CSG or certain amounts appearing on a comprehensive list set forth by the law 20 % - 20 %
  • Employer’s supplementary providence contributions payable by companies with 11 or more employees
  • Amounts allocated to the special investment reserve at cooperative production companies
  • Companies with under 50 employees concluding their first investment or profit-sharing agreement (this includes certain requirements related to the length of the agreement)
8 % - 8 %
Amounts originating from profit-sharing, as well as matching funds paid by companies into a PERCO (group pension savings plan) 16 % - 16 %
Autonomy Solidarity Contribution (“Contribution Solidarité Autonomie”/ CSA) Total salary 0.3 % - 0.3 %
Labor-management relations contribution (“Contribution dialogue social”) Total salary 0.016 % - 0.016 %

N.B.: CSG and CRDS are only payable by individuals who are tax residents of France (unless the Shumacker exception* applies).

*Non-residents 75% of whose worldwide taxable income is generated in France are partially considered as tax residents of France.

For more information: The corporate social contribution (“forfait social”) and employee savings

The national housing aid fund (“Fonds national d’aide au logement”/ FNAL)

FNAL contribution rates – Housing benefit (“Allocation logement”) from January 1st, 2018
FNAL contributions Contribution basis Part employeur Part salarié Total
Businesses involved in the lines of work listed in points 1 to 4 of article L. 722-1 of the French rural and maritime fishing code (“Code rural et de la pêche maritime”/ CRPM) and agricultural cooperatives Dans la limite du plafond de sécurité sociale 0.10 % - 0.10 %
Other employers with fewer than 20 employees Dans la limite du plafond de sécurité sociale 0.10 % - 0.10 %
Other employers with 20 employees and up Total salary 0.50 % - 0.50 %

For more information: complete table of MSA contribution rates for 2018

B. Payment of contributions

Payment dates vary in accordance with the farm’s or company’s average annual staff numbers, which are calculated as of December 31st of the previous year. As a general rule, social contributions are paid the month following the period of employment on the basis of which salaries are due, and at the following dates at the latest:

However, if certain requirements are met, some small companies can opt to continue to pay contributions on a quarterly basis beginning January 1st, 2018.

III. Health, maternity, paternity, disability, and death insurance

A. Health care

1. Reimbursement for medical appointments

As of May 1st, 2017, an appointment with a general practitioner categorized as “conventionné secteur 1,” meaning that there is no surcharge, costs 25 euros.

While declaring a “médecin traitant” (primary care physician) is not mandatory, it determines reimbursement rates.

Members who declare a primary care physician (“médecin traitant”) are within the coordinated care pathway (“parcours de soins coordonnés”): their MSA fund will reimburse 70% of the basic rate, minus a 1-euro flat charge. The remainder is out-of-pocket but can be reimbursed by a supplementary health insurance fund.

Members who have not declared a primary-care physician (“médecin traitant”) are considered as being outside of the coordinated care pathway (“parcours de soins coordonnées”): their reimbursement is reduced to 30% of the basic rate.

2. Reimbursement of pharmaceuticals

Pharmaceuticals that are either fully or partially reimbursed by the MSA Fund must have been medically prescribed by a health care professional. Reimbursement is possible if both of the two following requirements are met at the same time:

3. Reimbursement of transportation expenses on medical grounds

Coverage of transportation expenses is always calculated based on the least expensive type of transportation that is compatible with the insured’s state of health. In order to be reimbursed, the transportation must have been previously prescribed by a physician (except in emergency situations).

MSA must issue a prior approval for transportation under the following circumstances:

The physician must make a request for prior approval in addition to the prescription. These documents must be submitted to MSA’s medical examiner’s office (“service du contrôle medical”), which must notify the insured of its decision within a two-week deadline. If there is no reply, this is considered a prior approval.

Whatever the circumstances, the transportation company’s invoice must be submitted along with the medical expense claim (“feuille de remboursement”).

B. Daily medical leave benefits

Eligibility requirements for daily medical leave benefits vary based on length of leave.

Daily benefit rates are calculated based on an average of the insured’s gross salary for the 3 months prior to going on medical leave, or for the 12 months prior to the leave period if their employment is seasonal or periodic, with a cap of 1.8 times the applicable monthly minimum wage or Smic (2,697.24 euros as from January 1st, 2018).

If the insured has 3 dependent children, the daily benefit rate is topped up beginning from the 31st day of medical leave. 

Type of daily benefit % of daily base salary Minimum amount Maximum amount
Applicable rates and ceilings used to calculate daily medical leave benefits as from April 1st, 2018
“Normal” daily medical leave benefits 50 % 9,39 € / day 44.34 € / day 
Daily medical leave benefits with dependent family top-up as from the 31st day of leave 66.66 %  12.52 € / day 59.12 € / day

For more information: Medical leave for salaried agricultural workers

C. Maternity

1. Length of maternity leave

Statutory maternity leave has been set at a minimum of 16 weeks. It generally begins 6 weeks prior to the expected date of delivery and continues for 10 weeks afterwards. However, it is possible to take a shorter period of leave, provided that it lasts for at least 8 weeks.

Length of maternity leave as determined by the mother’s circumstances
Child(ren) expected Prenatal leave Postnatal leave Total
1st or 2nd 6 weeks 10 weeks 16 weeks
3rd or more 8 weeks 18 weeks 26 weeks
Twins 12 weeks 22 weeks 34 weeks
Triplets or more 24 weeks 22 weeks 46 weeks

2. Maternity leave benefits

To be eligible for daily maternity leave benefits, the mother-to-be must have been a member of the French social security system for at least ten months (all insurance schemes combined) and have completed a minimum period of salaried employment, i.e. she must have worked for at least 150 hours over the 3 calendar months or 90 days prior to the beginning of her pregnancy or prenatal leave, or have paid contributions on a salary amounting to at least 1,015 times the French hourly minimum wage (Smic) over the 6 calendar months prior to the beginning of her pregnancy or prenatal leave. Otherwise, if the member’s employment is seasonal or periodic, she must have worked for at least 600 hours or paid contributions on a salary amounting to at least 2,030 times the French hourly minimum wage over the 12 calendar months or 365 days prior to the beginning of her pregnancy or prenatal leave.

Once the mother-to-be has notified her MSA fund of her pregnancy, she must also inform her employer. The employer then submits the form entitled “Attestation de salaire pour le paiement des indemnités journalières” (Proof of salary for the payment of daily benefits) on the first day of the employee’s leave, to trigger the payment of daily benefits.

While on maternity leave, the employee’s employment contract is suspended. During that period, her MSA Fund will pay her daily benefits every 14 days in compensation for the loss of earnings resulting from being on leave.

The daily maternity benefit is equal to the employee’s daily net basic earnings. It is calculated based on salaries drawn over the 3 months prior to going on leave, with the following limits:

Daily maternity leave benefit amounts as of April 1st, 2018
Minimum 9.39 €/ day
Maximum 86 €/ day
Top-up for family dependents (“Majoration pour charge de famille”) 12.52 €/ day
Length of award for daily maternity leave benefits
Number of dependent children New birth(s) Number of weeks of payment
Prenatal leave Postnatal leave Total length*
None or 1 child Singleton 6 10 16
2 or more children Singleton 8 (ou 10) 18 (ou 16 )* 26 **
Any number Twins 12 (ou 16) 22 (ou 18) *** 34
Triplets or more 24 22 46

*Mothers with at least 2 dependent children can subtract 2 weeks from their postnatal leave and add that period on to their prenatal leave.
** This length of leave is due to the increased maternity leave that is granted from the 3rd child on.
***If 2 children are born, the mother can subtract 4 weeks from her postnatal leave and add that period on to her prenatal leave.

For more information: Special circumstances

D. Paternity

Statutory paternity leave is for 11 consecutive days, or 18 consecutive days for multiple births.

Paternity leave can be taken immediately following the father’s 3-day birth leave or separately. It must be taken all at once and is required to begin within the 4 months following the child’s birth.

E. Disability

1. Disability pension

As a general rule, only members are entitled to a disability pension.

An exception is made for surviving spouses who are not entitled to social security benefits in their own right but who are awarded a widow’s or widower’s disability pension if their capacity for work is assessed as diminished by a factor of at least 2/3.

There are three types of disability pension:

Disability pension claimants are entitled to health insurance benefits for an unlimited period of time, and with no out-of-pocket expenses (except for pharmaceuticals with 35% and 15% reimbursement rates).

Disability pension rates as of April 1st. 2018
  Annual amount Quarterly amount Monthly amount
Minimum amount 3,427.39 € 856.83 € 285.61 €
Maximum amount Cat.1 Pension 11,919.60 € 2,979.90 € 993.30 €
Maximum amount Cat.2 Pension 19,866 € 4,966.50 € 1,655.50 €
Caregiver top-up (“Majoration pour Tierce Personne”/ MTP) 13,422.85 € 3,355.71 € 1,118.57 €

2. The additional disability allowance (“Allocation supplémentaire d’invalidité”/ ASI)

The additional disability allowance (“allocation supplémentaire d’invalidité”/ ASI) is a benefit that is paid as a supplement to a life-long old-age or disability benefit until the claimant reaches the age of eligibility for the elderly solidarity allowance (“Allocation de solidarité aux personnes âgées/ Aspa).

ASI eligibility requirements:

ASI rates as of April 1st, 2018
  Annual amount Quarterly amount Monthly amount
Single person or only 1 claiming spouse 4,913.20 € 1,228.29 € 409.43 €
Household, 2 claiming spouses 8,107.54 € 2,2026.86 € 675.62 €

Under certain circumstances, ASI benefits can be collected back from the claimant’s estate when s/he dies.

F. Widow(er)’s pension – death payment (“Capital décès”)

1. Health insurance benefits for the deceased’s beneficiary

Entitlements for the deceased’s beneficiary continue after the spouse’s death.

2. The death payment (“capital décès”)

If certain requirements are met, the surviving spouse may be eligible for a salaried employees’ death payment. In order to receive it, an application must be submitted to the member’s MSA fund.

MSA has its own specific occupational health program, which offers a multidisciplinary approach to prevention in agricultural work and to protecting agricultural workers’ health. For more information: Monitoring agricultural workers’ occupational healths

IV. Industrial accidents and occupational illnesses

Agricultural salaried workers, apprentices, students, and interns are covered for work-related accidents or illnesses, if certain requirements are met.

The occupational illnesses that are recognized and covered by MSA appear on specific occupational illness tables. Each of these tables, which are published by decree, specifies the medical, technical, and administrative requirements that must be met: precise name of the illness, timeframe for coverage, length of exposure to risk where applicable, and list of work already completed.

A. Health care related to an industrial accident/ occupational illness

All industrial accident/ occupational illness-related care is covered by the member’s MSA fund in accordance with the basic reimbursement rates.
The following care is covered at a rate of 100% of the amount approved by the French health insurance system:

The following are covered at a rate of 150% of the amount approved by the French health insurance system:

Any surcharges or supplements beyond the approved amount, or beyond 150% of the approved amount for prosthetic devices and dental prosthetics, are not covered by MSA

B. Daily benefits for medical leave due to an industrial accident/ occupational illness

Daily benefits are paid every two weeks, with no waiting period, up to the date of stabilization or full recovery:

For more information: Industrial or commuting accidents for salaried workers

V. Old-age and widow(er)s’ insurance

A. Retirement pensions for salaried employees in agriculture

Retirement pensions for salaried employees in agriculture are composed of two compulsory components that operate on a pay-as-you-go basis:

If the member has paid into an individual or group pension savings plan, that is a 3rd component that will be added on to the compulsory portion above.

Salaried employees in agriculture pay compulsory contributions to the basic and supplementary schemes when their employer pays social security contributions.

For more information: Your retirement pension: What is it made up of?

1. How the basic retirement pension is calculated

The basic retirement pension is calculated based on 3 components:

The basic retirement pension is calculated using the following formula:

Annual amount of the basic retirement pension = Average annual income X Rate X (Length of insurance under the agricultural salaried workers’ scheme/ Maximum length of insurance taken into account on the basis of birth year)

2. How the supplementary retirement pension is calculated

The amount of the yearly supplementary retirement pension is calculated by multiplying the total number of points awarded over the member’s entire career by the current value of the point on the date of the member’s retirement.

Amount = Total number of points X value of the retirement pension point.

Points for unemployment or medical leave may also be added on to this total.

3. Age requirements and full pension rate

Statutory minimum retirement age

This is determined by year of birth. Beginning at this age, the member can claim a basic retirement pension however many quarters s/he has accrued (length of insurance). Statutory age has been set at 62 for individuals in employment who were born on or after January 1st, 1955.

If the member has reached statutory age but has not accrued enough quarters, his/her pension will be paid at a permanently reduced rate, unless s/he decides to work up to “full-rate entitlement age.”

Full-rate entitlement age

Pensions are paid at the full rate from statutory retirement age for members who have accrued the required length of insurance that has been set for their year of birth.

The age at which a retirement pension is paid at the full rate independently of how many quarters have been accrued is also determined by year of birth. Full-rate entitlement age has been set at 67 for those in employment who were born on or after January 1st, 1955.

Retirement age and full rate as determined by birth year
Birth year Statutory retirement age Age of full-rate entitlement
Prior to July 1st, 1951 60 65
Between July 1st, 1951 and December 31st, 1951 60 years 4 months 65 years 4 months
From 1952 60 years 9 months 65 years 9 months
From 1953 61 years 2 months 66 years 2 months
From 1954 61 years 7 months 66 years 7 months
From 1955 62 years 67 years

For more information: Special circumstances

4. Length of insurance

Required length of insurance for a full-rate retirement pension as determined by year of birth
Year of birth Length of insurance
1951 163 quarters
1952 164 quarters
1953-1954 165 quarters
1955-1956-1957 166 quarters
1958-1959-1960 167 quarters
1961-1962-1963 168 quarters
1964-1965-1966 169 quarters
1967-1968-1969 170 quarters
1970-1971-1972 171 quarters
1973 172 quarters

For more information:  : How quarters are determined

5. Rate reductions and increases           

A rate reduction is a permanent decrease in the amount of the retirement pension which applies if the member decides to retire before accruing the required length of contribution or reaching the required age for entitlement to a full-rate pension.

A rate increase is a top-up to the future amount of the member’s basic retirement pension if s/he continues to work.

For more information : Requirements for a rate increase

6. Child-related top-ups (length of insurance or pension amount)

Top-ups to the length of insurance or to the amount of the pension can be granted on the basis of childbirth, adoption, or child-rearing. There are also top-ups for rearing a child with a disability or for rearing 3 children.

B. Early retirement on the basis of arduous work

The arduous work risk prevention account (“Compte professionnel de prévention” /C2P) has been amended by government order No. 2017-1389 of September 22, 2017. It is now called the job risk prevention account (“compte professionnel de prévention”/ C2P). The order will be applied pursuant to a decree that will appear at a later date.

Points accrued will be able to be used:

C. Early retirement on the basis of a long career

Individuals born in or after 1952 may be eligible for the early retirement program for members with a long career.

If the member began working at a very early age, retirement is possible prior to the statutory age if both of the following eligibility requirements are met:

Requirements with respect to the beginning of the member’s career are based on the age at which s/he takes early retirement:

All periods on which contributions were paid into a French scheme are taken into account. Certain equivalent quarters are treated as if contributions were paid.

Periods abroad can be taken into account pursuant to a bilateral social security agreement or to European regulations.

D. Phased retirement for salaried workers in agriculture

Through phased retirement (“retraite progressive”), a salaried worker in agriculture can retire while continuing to work part-time. This employment will be taken into account for the worker’s final pension calculation; during this time, the worker receives a fraction of his/her retirement pension on top of a part-time salary.

To be eligible for phased retirement (“retraite progressive), the worker must be engaged in only one part-time employment activity and have reached a minimum age of 60.

The phased retirement pension is calculated on a provisional basis.

Contributions paid on employment that continues once the worker has begun phased retirement will be taken into account when his/her total pension is calculated.

The member’s total pension cannot amount to less than the pension that was used as a basis to calculate his/her phased retirement pension (“retraite progressive”).    

E. The Elderly Solidarity Allowance (“Allocation Solidarité aux Personnes Agées”/ Aspa)

With Aspa, individuals with little money for their retirement can draw a minimum income if they meet the eligibility requirements.

To draw Aspa, a member must:

Maximum Aspa amounts
    Monthly amount Yearly amount
As of April 1st, 2018 For a single person 833,20 € 9 998,40 €
For a couple (married couple, or de facto or civil union partners) 1 293,54 € 15 522,54 €
As of January 1st, 2019 For a single person 868,20 € 10 418,40 €
For a couple (married couple, or de facto or civil union partners) 1 347,88 € 16 174,59 €
As of January 1st, 2020 For a single person 903,20 € 10 838,40 €
For a couple (married couple, or de facto or civil union partners) 1 402,22 € 16 826,64 €

The amount of the Aspa award is equal to the difference between Aspa’s maximum annual amount and the amount of the claimant’s income.

Under certain circumstances, Aspa benefits can be collected back from the claimant’s estate when s/he dies.

F. The surviving spouse’s retirement pension

An individual can apply for a survivor’s retirement pension if his/her spouse or ex-spouse has died (or been missing for more than a year) and was either drawing or would have been eligible for a retirement pension from the agricultural scheme.

De facto or civil union (“PACS”) partners are not entitled to a survivor’s retirement pension.

To be eligible for a survivor’s retirement pension, the applicant must meet the following requirements:

G. The widow(er)’s allowance

If certain requirements are met with regard both to the deceased’s and to the survivor’s circumstances, the surviving spouse may be eligible for a widow(er)’s allowance.

The surviving spouse must meet the following requirements:

The deceased spouse must have been drawing:

The widow(er)’s allowance comes to a maximum of 607.54 € per month (amount valid as of October 1st, 2017). If an application is submitted within the 12 months following the spouse’s death, the allowance’s effective date is the 1st day of the month of the death. Otherwise, the effective date is the 1st day of the month of the application. The allowance is paid on a monthly basis for a period of 2 years following the death, insofar as the eligibility requirements continue to be met.

VI. Family, housing, and solidarity benefits

MSA pays the same benefits based on the same requirements as the general social security scheme’s Family Benefits Funds (“Caisses d’Allocations Familiales”/ CAF). Most of these benefits are means-tested and can be paid at various rates based on the claimant’s income.

A. Family benefits

1. General maintenance benefits

a. Family allowance (“allocations familiales”)

MSA pays a family allowance to households with 2 or more children under the age of 20. Rates are based on household makeup, and are also income-based as of July 2015.

The household income taken into account is the same that is used by the MSA Fund to calculate other family benefits. This income is used to determine the income bracket to which the household belongs in order to calculate their family allowance entitlement.

The family allowance is paid automatically from the second child’s birth or arrival in the household, provided that the family has declared the child’s birth or adoption to their MSA Fund. They are paid automatically from the month following the child’s birth or arrival

b. The family supplement (“Complément familial”)

This supplement is paid to help with child maintenance costs. It is a means-tested benefit that is paid to households with 3 or more dependent children, if the 3rd child is at least 3 years old.

c.The family support allowance (“Allocation de soutien familial”/ Asf)

L'Asf is paid to a single or foster parent raising one or more child(ren) who are totally or partially deprived of family support. Asf can be paid on top of a small child support award.

2. Birth and early childhood benefits

a. The early childhood benefit program (“Prestation d’accueil du jeune enfant”/ PAJE)

Paje was created to make life easier for new parents. It consists of several types of award from before the child arrives and going up to his/her 6th birthday:

3. Benefits for special purposes

a. The daily parental attendance allowance (“Allocation journalière de présence parentale”/ AJPP)

This allowance provides financial aid if on parent temporarily stops working to care for a child with a serious illness, accidental injury, or disability.

A means-tested supplement for expenses (“complément pour frais”) can also be awarded if the family has had medical expenses in connection with the child’s health.

b. The Back-to-school benefit (“Allocation de rentrée scolaire”/ ARS)

This benefit helps families pay for back-to-school expenses for children ages 6 to 18. To draw this benefit for children ages 16 and up, families must submit a declaration of each child’s school or apprenticeship enrolment to their MSA fund.

c. Unpaid child support coverage (“Garanties contre les impayés de pension alimentaire”/ Gipa)

Unpaid child support coverage (Gipa) is aid for single-parent families when one parent stops paying or only pays part of his/her child support responsibilities, or when the child support award is lower than the Family Support Allowance (“Allocation de soutien familial”/ ASF).

d. The disabled child’s education allowance (“Allocation d’éducation pour l’enfant handicapé”/ AEEH)

This allowance provides financial assistance with educational and health care expenses for dependent children with disabilities under the age of 20.

e. The disabled adult’s allowance (“Allocation aux adultes handicapés”/ AAH)

This allowance is awarded as minimum income for people with disabilities on a low income or who have no other source of revenue. Claimants are required to declare their income each quarter in order to keep drawing AAH.
AAH eligibility requirements and rates are determined by the applicant’s disability:

Disability severity ratings are determined by the Committee for the Rights and Self-dependency of Disabled Persons (CDAPH).

AAH eligibility requirements and rates are determined on the basis of age, nationality, and place of residence. The applicant must:

Monthly AAH rates are determined on the basis of family circumstances and other income. It is awarded for 1 to 5 years, or for 20 years if the disability does not improve. The full rate amounts to 819 euros per month (amount applicable from April 1st, 2018 to March 31, 2019).

D. Housing and home improvement

1. Housing aid

  1. Personalized housing aid (“Aide Personnalisée au Logement”/ APL) is financial aid intended to reduce either the rental burden, or the monthly mortgage payment burden for those purchasing pre-existing accommodations not located in a scarce-housing area that has been classified as a “zone tendue.”
  2. The family housing benefit (“Allocation logement à caractère familial”/ ALF) can be awarded to those not eligible for APL if certain eligibility requirements are met.
  3. The low-income housing allowance (“Allocation logement à caractère social”/ ALS) can be awarded to those not eligible for APL and/or ALF.

For more information: Eligibility requirements for APL, ALF, and ALS

2. Home improvement aid

  1. The home improvement loan (“prêt à l’amélioration de l’habitat”/ PAH) is used to lessen the costs involved in home improvement or repairs.
  2. Specific aid for registered childminders (“assistantes maternelles”): The home daycare improvement loan (“Prêt à l’Amélioration du Lieu d’Accueil de l’enfant”/ PALA) and the opening bonus (“prime d’installation”).
  3. The moving bonus (“prime de déménagement”) can be used to partially offset expenses.

3. Solidarity, Financial insecurity

  1. Active Solidarity Income (“Revenu de Solidarité Active”/ RSA) is an income safety net for jobseekers and agricultural employees on a low income.
  2. The employment bonus (“Prime d’activité”) can be paid to low-income workers.

VII. Unemployment insurance

Agricultural salaried workers are covered by France’s unemployment insurance system on the same basis and with the same conditions as for salaried workers belonging to the general scheme. MSA collects contributions on behalf of France’s unemployment insurance scheme. Benefits are paid by “Pôle emploi.”

More information is available online from Unédic: The job re-entry facilitation allowance (“Allocation d’aide au retour à l’emploi”/ ARE)