heyrick1973 -at- yahoo -dot- co -dot uk

Forced Mutuelle

Mr. Hollande has the right idea, just not the right implementation. As of Real Soon, thanks to a new law, companies will be obliged to provide a Mutuelle for their CDI (proper staff) workers, and after a certain length of time for CDD (fixed-time contract (renewable)) workers.
What this means is: The "Sécu", the health system, will provide for 70% of medical expenses (it's the same for ex-pats with pension rights regardless of whether or not the UK offers 100%; France offers 70%, end of story). Now smart people and people who don't want worries when there are going to be enough worries to fill a church are going to take out a Mutuelle; essentially a top-up that provides the remaining 30%. In France it is apparently normal to pay first and get reimbursed, but a mutuelle that offers "Tiers Payant" is all done electronically so you pay nothing (disclaimer: there's a small fee for doctors visits and some doctors don't accept TP; some medicines are not covered by the Sécu; and it seems many dentists don't accept TP ... the principle is there, however!).
Me? I took out a top-up a while back that offers additional benefits - extra for optic (glasses etc) and dental, a private room if I'm in hospital, that sort of thing.

Now companies will be obliged to provide a mutuelle. This is a good idea on the surface as a lot of low-wage workers can't really afford it (mine is about €35/month) so they wing it and hope they don't end up poorly. The problem is, the law requires the company to provide a mutuelle. This means I will be paying my attractive chosen-by-me mutuelle (~€35/month) plus the useless I-don't-need-this one provided by the company (unknown, I expect ~€20/month). What the hell?

I am considering writing to the Minister of Health, Marisol Touraine, Ministre des Affaires sociales et de la Santé to ask why people who already took the initiative to cover themselves are being penalised in this way, and to suggest an option.
The option is as follows:
The employee will provide a copy of either their mutuelle contract or their card (you get a card demonstrating your rights). This will be attached to a letter that you will sign stating on your honour that you have and will maintain a mutuelle of your own. The company will then include a small payment (around €15, not more than the "part patronale" (the amount they would pay anyway)) in your wages.
In this way, the employer's requirement has been fulfilled (they are part-paying for your health cover), the employee's requirement has been fulfilled (they have health cover), and the law has been satisfied.
Now the employee could cancel their policy and blow the money on booze and fags (well, you can't get much of those with €15!), but if receiving money for a mutuelle you don't have is classed as an infraction, that can be dealt with by the legal process.
This is a lot fairer than swiping around twenty euros from the wages of a low-paid worker for something that provides me with no actual benefit. And no, I won't give up my existing mutuelle, you get certain benefits for length of term with them.

This is, of course, before we even get to questions like - I go to hospital for a CT scan, which mutuelle pays? I can't be reimbursed twice for the same thing. I'm not even sure of the legalities of having two mutuelles at the same time.

It is, on the face of it, a good idea. It's just the implementation needs to be fixed.

 

Vide greniers - last week

Last week's vide grenier was a small town that was quite good, and a big town that was awful - we gave up before we reached the end because the amount of tat was mind-numbing. Not to mention girls with shoes that open out as they walk, there was dust billowing out of their shoes - there was so much dust it was forming a very noticable layer on everything (including my eyeballs!).

Anyway - here's last week's haul:

Vide grenier haul

Castaway SIMs and epic-chess for the PS2, a DVD of KYO (a French group), an Adiemus CD (a ClassicFM compilation), and waterproof housing for my video camera that was sadly too small (oh well, it only cost a couple of euros), and finally for practically pocket change, the pièce de résistance: it's a bluetooth handsfree device for use in cars (or on a table if I'm lazy) that also features an FM transmitter to punt the sound to a radio, in stereo too. It is a Motorola T505 (old, but Amazon.com is listing it for sixty dollars!). Pairing with the phone wasn't hard. I downloaded the user guide (PDF) onto my phone to change it to English. The radio transmitter told me it was using 90.4 and tuning the car radio to that sounded okay - poor mom had to put up with Mikio Sakai, some MeatLoaf, and some Dido. I didn't hit her with nano.RIPE (that would be cruel and unusual).

 

Vide grenier - today

Vide grenier haul

Today got me a proper bamboo parasol (hand painted too), a wooden box with glass lid to store tea in (only a euro, are you kidding me!?), the PS2 game Resident Evil Code: Veronica X, and finally a replacement audio/video lead for the PS2 as mine was a little dodgy (had to wobble it to get video and audio that didn't hum).

Here's the design of the parasol:

Parasol

And here's the inside:

Parasol

 

Spectacular sunset

These are real images taken with my phone (Xperia Mini Pro). There has been no editing other than crop, resize, and watermark. Especially, the colours have not been altered. What you see is what the sunset was like.

First, the panoramic view:

Sunset panoramic

Now let's get a little closer:

Sunset normal

Now for the epic holy-crap-the-sky-is-on-fire view. I repeat, this is not a fake:

Sunset, sky on fire

You can kind of understand how people in olden days could believe in God. All you need is a wise-ass to say something like "Over there? God is unhappy. He is raining fire from the sky. Now do what I tell you or he will be unhappy with you, too.".
These days? We understand sunsets, we understand clouds, and we understand the rotation of the Earth (that, really, ought to have been obvious since the invention of the sundial). So these things aren't scary, they're just awesome looking.

Then again, maybe the mothership rained down biblical torment on the people of western Brittany? [looks at newspaper website] Naaah...

 

Your comments:

Please note that while I check this page every so often, I am not able to control what users write; therefore I disclaim all liability for unpleasant and/or infringing and/or defamatory material. Undesired content will be removed as soon as it is noticed. By leaving a comment, you agree not to post material that is illegal or in bad taste, and you should be aware that the time and your IP address are both recorded, should it be necessary to find out who you are. Oh, and don't bother trying to inline HTML. I'm not that stupid! ☺
 
You can now follow comment additions with the comment RSS feed. This is distinct from the b.log RSS feed, so you can subscribe to one or both as you wish.

No comments yet... why not post one now?

Add a comment (v0.08) [help?] . . . try the comment feed!
Your name
Your email (optional)
Validation Are you real? Please type 63936 backwards.
Your comment
Calendar
«   September 2012   »
MonTueWedThuFriSatSun
     12
34678
1011131416
1720212223
242527282930

Japan - can you help?
Japanese Red Cross
日本 赤十字社

Earthquake relief donations have closed.

Read about the JRC
Make a general donation

Last 5 entries

List all b.log entries

Return to the site index

Search

Search Rick's b.log!

Etc...

Thank you:
  • Fred
  • Bernard
  • Michael
  • David

Last read at 08:46 on 2017/11/25.

QR code


Valid HTML 4.01 Transitional
Valid CSS
Valid RSS 2.0

 

© 2012 Rick Murray
This web page is licenced for your personal, private, non-commercial use only. No automated processing by advertising systems is permitted.
RIPA notice: No consent is given for interception of page transmission.

 

Have you noticed the watermarks on pictures?
Next entry - 2012/09/12
Return to top of page