High degree of solidarity
The share of an industry scheme's contributions, at least 2%, that must fund non-contributory benefits: prevention programs, social assistance, and paying contributions for low-income employees.
The high degree of solidarity is the counterpart of industry agreements that recommend one or more insurers for health or protection. It requires reserving a fraction of contributions for benefits that do not directly correspond to each employee's insured risk. The decree of December 11, 2014 sets the floor at 2% of the premium or contribution, and lists the uses: full or partial payment of contributions for certain employees, such as apprentices or very part-time workers, prevention programs, and social assistance benefits, such as aid in case of death, disability or loss of autonomy. This funding is pooled at industry level, which means companies choosing an insurer other than the recommended one must set up an equivalent arrangement. It extends, in a form compatible with freedom of contract, the logic of the former designation clauses.
Decree No. 2014-1498 of December 11, 2014 set at 2% the minimum share of contributions allocated to solidarity, eighteen months after the Constitutional Council decision of June 13, 2013 that had struck down designation clauses.
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