overtime, family benefits… Here are nine measures adopted on December 3, which will play on your budget.

to be Definitively adopted on 3 December, the draft law of financing social Security (PLFSS) may not contain far shock as was the case last year with the increase of the CSG, it displays a host of new features that will affect upward as well as downward, in the purchasing power of all. Some will come into effect as early as January, others later, subject to their enactment and publication of acts and decrees planned.

For employees

1 • overtime-exempt employee contributions

The government intends to exempt the overtime of employee contributions to old-age insurance as of September 2019. That is to exempt them entirely from employee contributions (excluding CSG and CRDS), as those of sickness insurance and unemployment have been abolished in 2018.

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the key to an employee of private non-framework : a decrease in contributions of approximately 11 points. Therefore, an increase in net wages. Attention, the employer contributions are not specified and there is no tax exemption, as was the case under Nicolas Sarkozy.

In addition, if the officials are concerned, their gain will be low because their overtime are already largely exempt.

estimated Cost of the measure : 1.94 billion euros in the full year.

For parents

2 • help with child care paid at 100 % up to the school

Currently, the complement mode de garde (CMG), help affected by the parents having recourse to a maternal assistant, a nanny at home or a micro-chèche, is divided by two as soon as the child kept blowing his third candle. The catch is that the children born before September usually start school after their anniversary, enrollment in kindergarten is often possible that at the beginning of the calendar year of their three years. Their parents are therefore faced with several months an increase in the cost of care difficult to understand.

This inequality should disappear, from January 2020. The PLFSS extends in effect the payment of the CMG at the full rate for three-year-olds born before the beginning of the school year until their effective entry to the school. Maximum Gain possible per child : 234 euros per month. Attention, the majority of parents will not affect as much, the actual gain will depend on their income and salary paid (explanation and example here).

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estimated annual Cost : 51 million euros (70 million CMG additional, less $ 19 million of tax credit, because that means less care expenses means less tax credit).

The add-in guard mode currently stands in the general case to a maximum of 467,41 €, 294,73 € or 176,82 €, depending on the resources of the parents. A half-CMG can be paid after the three years of the child, up to six years. The help may not in all cases cover more than 85 % of the salary paid to the guard.

3 • increased aid in the presence of a child in situation of disability

Another novelty : for the guards conducted from November 2019, the maximum amounts of the CMGdoivent be revaluated for parents touching an allocation to education of the handicapped child (AEEH). The rise would be a priori of 30 % (the level must be set by decree).

The maximum amount of shelter is therefore, in the general case and according to the resource levels of families, 607,63 €, 383,15 €and 229,87 € for a child under three years of age. (These amounts provided by the government do not take into account the small value of April 2019.)

This increase applies to all children of the family, not just the one who is in a situation of disability, in order to “take into account not only the increase in the cost of the care of a child in situation of disability, but also the needs of care of the other children, which can also be increased by the fact of the illness or disability of their brother or sister,” explained the government.

The parents concerned will not receive an increase in their CMG that if their help is not already affected by the cap (because it can never exceed 85 % of wages paid). Such an increase of 30 % had already been recorded in the previous budget of social Security for single-parent families. It entered into force in October.

estimated Cost of the measure : 1.8 million euros per year.

4 • family benefits under-indexed in 2019 and 2020

The family benefits will not be increased in April 2019 and 2020 than 0.3 %, less than inflation, therefore. Are concerned family allowances, the add-in guard mode, the allocation of the school year, the base allocation of the performance home of the young child (Paje), the allocation to education of the handicapped child (AEEH), the premium at birth, etc

Recipe estimated for the State : 200 000 € in 2019 (600 000 €in 2020).

pensioners

5 • A gesture to compensate for the increase of the CSG

To mitigate the effects of the increase of the CSG on some of the pensioners, the Prime minister had announced a move last march. It has, however, had to wait several months to know the details, because, it seems, of the “difficulties of a technical and methodological nature”.

Who would ultimately benefit from the measure, included in the PLFSS for 2019 ? Retirees whose income tax reference (RFR, inscribed on the tax notice) exceeds one year, the threshold that triggers the normal rate of CSG (past January 1, 2018 6.6 to 8.3 %) because of miscellaneous income, without having exceeded the previous year.

This threshold is set for 2018 to 14 404 € for a household with a share tax, 22 096 € for two units. From 1 January 2019, the application of the standard rate of CSG would indeed be reserved for retirees beyond the threshold two years in a row. Those who go above and beyond a single year will benefit from the reduced rate of 3.8 %.

According to the government, the measure “will prevent each year the entry of 350 000 households of pensioners in the standard rate of CSG”, for an average gain of 928 € on the year. Recall that according to a parliamentary report, seven million households of pensioners have seen their pensions decline because of the increase of the CSG. If you take the retirees who have enjoyed the first decline in the property tax, about 6.4 million households would have ultimately lost at least a euro in 2018.

This condition of two years is exceeded also relates to the additional Contribution of solidarity for autonomy (Casa), a tax of 0.3 % applied to pensions which are subject to the standard rate of CSG.

the estimated overall Cost : 370 million €in 2019.

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6 • pension base under-indexed

as Was the case with family benefits, basic retirement pensions (excluding the lawyers) will only be uprated by only 0.3 % the 1st January 2019 and 2020. Inflation will thus not be compensated. In addition to basic pensions, supplementary pensions for craftsmen and traders and those of agents non-owners of the public service will also be affected.

This sub-indexing does not, however, the solidarity allowance for the elderly (the former minimum old-age pension), which must know two revaluations exceptional of € 35 in January 2019 and 2020 (measure contained in the budget 2018 social Security).

For the budget’s health

7 • Towards a “remains at zero-load”

The Budget in 2019, social Security includes several measures designed to implement the so-called reform “100 % Health”, that should enable, by 2021 the full reimbursement by the social Security and complementary health to some hearing aids and dental, as well as some safety glasses. A basket of equipment concerned has been established. The entry into force will be gradual. (The calendar is available on the website of the ministry of Health).

Regarding dental care, the text opens in addition to the program “Me T teeth”, which until now was reserved to the 6-24 years old, children three years of age. This device allows to receive an appointment to prevention free of charge to the surgeon-dentist, and care that result.

8 • The aid to the complementary health recast

Currently, people of modest means (annual ceiling of resources less than 11 894 € for a household consisting of one person), but who do not qualify for CMU-C (complementary to health free of charge) may apply for the ACS, aid to complementary health. It is a concrete check of 100 to 500 € depending on the age, intended to help pay for a health insurance coverage complementary.

The ACS is much maligned because of its high rate of non-use of the, according to the government, the “lack of clarity in the articulation between the two devices” (ACS and CMU-C), to the “complexity of steps to accomplish” and the “persistence of high charges on some items of care”.

from November 2019, this device would be removed, but the CMU-C would be extended to people today eligible to the ACS. In the detail, “the CMU-C will remain free up to the limit of the current resource of the CMU-C”, but “subject to financial participation, which varies according to the age of the beneficiary, for the people having income between the ceiling of the CMU-C and ACS”. This participation needs to be fixed by ordinance but would be less than one euro a day, according to the government, which says it wants to “reduce the renunciation to care by improving coverage by supplementary health of the populations precarious”.

The PLFSS establishes an automatic renewal of the CMU-C beneficiaries of the active solidarity Revenue ” (RSA) from April 2019.

estimated Cost of measures : 160 million € in 2020.

9 • The use of drugs non-generic, less-refunded

The budget 2019 of the Securité social aims to increase the use of generic medicines. The doctors will have to be justified on the prescription the words “not substitutable” when they are using them. It prevents the substitution of the drug prescribed by a generic to the pharmacy and allows the patient to receive all the same third-party payer. A list of possible justifications must be established by decree.

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By the way, in case of refusal of the generic by the patient starting in January 2020, the cost difference will remain in his charge (except if marked “non-overridable” justified”).