[gprit]

I have just discovered that I may be eligible for this scheme, and have made an appointment with the local CPAM office .
Completing the form, I have one question (if anyone has experience of this).

When declaring resources, one section asks about non income producing investments (eg Life Insurance....). I have read that this could add 3% of the total amount insured onto the resources. My Life insurance is modest and would not affect matters, but my wife has a large Insurance policy that certainly would.

It is not a 'with profits' life policy, - it is payable only on death, so how can that be assessed as a resource? Am I reading this correctly? I am loath to omit this as it gets shown on the 3916 form that lists bank accounts abroad.

 

[Bevdeforges]

I suspect what they are looking for is "assurance vie" which is actually a type of investment vehicle. If what you have is term or whole life insurance, payable only on death, it probably isn't what they mean in that section on the forms.

 

[Nomoss]

If you are referring to the Complémentaire Santé Solidaire (CSS) you may want to read THIS topic in the forum

 

[gprit]

oh my word....sounds a minefield.....!!
At the moment I am not covered with Mutuelle, although my wife and family is (at approx €80). To add me would mean a further €100 a month, which is not really viable. It guess I await my appointment and will publish reaction here....
thanks

 

[gprit]

A further question(!). When they count the number of people covered v income requirements, do they count two chidren (10 and 4) as two halves, the same as tax return or are they both counted?

 

[Nomoss]

The explanation HERE refers to people in the household, which would normally be a couple with children or other dependents. The more there are the higher the income ceiling, so it means actual people, no halves.

 

[gprit]

Ah...thanks. I already printed that off...must have missed it..!

 

[Nomoss]

I assume you are directly affiliated to l'Assurance Maladie, and not covered by them indirectly because you have health cover from another country who reimburse l'AM for what they pay out for you.

 

[gprit]

Not sure what 'direct' means......at their request we have provided S1 certificates.

 

[Nomoss]

If you have S1 certificates you are covered by another country's health system, who reimburse l'AM, so you are not directly covered by l'AM.
This is the reason that we and the families of other members here were refused CSS, as described in the topic to which I posted a link in post #3 above.
In any case, if you have a claim being processed, please let us know if it is successful via this topic.
The rules could well have changed.

 

[gprit]

I read that on a previosu link in this thread. I read the 'who is eligible document' see attached ....and it did not deem to preclude this situation. I will certainly let the outcome be know,,,,,,!