Portability of health and protection benefits
The free continuation of group health and protection benefits for a former employee receiving unemployment benefits, for the length of their last employment contract and at most twelve months.
Portability allows an employee whose employment contract ends, except for dismissal for gross misconduct, to keep the group benefits of their former employer as long as they receive unemployment insurance. The duration equals that of the last employment contract, rounded up to the month, capped at twelve months. The continuation is free for the former employee: it is funded by pooling, that is, by the contributions of current staff and the employer. Born of the national cross-industry agreement of January 11, 2008, the arrangement was generalized and made free by the act of June 14, 2013, which wrote it into Article L. 911-8 of the French Social Security Code. For the insurer, portability is a commitment without a direct premium, whose cost depends on staff turnover and is priced into the contribution of the whole group.
Since June 1, 2015, when the act of June 14, 2013 began to apply to protection benefits one year after health benefits, an employee dismissed after eight months of service stays covered for death and disability for eight months at no cost.
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