Question 11647 — supplementary insurance

Summary

Mr. Maxime Michelet draws the attention of the Minister of National Education to the modalities of articulation between the existing welfare system for teachers in private establishments under contract and the complementary social protection system (PSC) that the State is preparing to deploy. The finance bill for 2026 provides a budget of 41.7 million euros intended for the establishment of complementary social protection (health and welfare) for teachers in the private sector under contract. This initiative aims to align their situation with that of public sector teachers. However, it should be remembered that an effective pension plan already exists for these personnel. Since 2005, the employing college of Catholic education has dedicated 60 million euros annually, financed by contributions from families, to offer teachers a particularly protective pension coverage, to which they are strongly attached. This scheme, managed jointly by employers and trade union organizations, has demonstrated its effectiveness. Teachers recently accepted an increase in contributions to preserve its viability, an increase that the State had refused to implement two years ago. The planned deployment of the PSC from the 1st April or May 1, 2026 raises major questions about the relationship between these two systems. The overlapping of schemes risks creating either a situation of inefficient double coverage or gaps in the protection offered to the personnel concerned. To build a coherent transition and avoid any disruption of rights, the employer body and the trade union organizations need precise technical elements on the terms of application of the PSC, which they are currently struggling to obtain from ministerial services. This lack of answers leaves them unable to anticipate the necessary adjustments and calmly prepare for the future of the parity system to which teachers are particularly attached. Consequently, he asks it to specify the technical modalities of articulation envisaged between the existing welfare regime of teachers in private establishments under contract and the State's complementary social protection system. He also wishes to know the timetable and the conditions under which the technical information necessary for the organization of this transition will be communicated to employers and representative trade union organizations.

Machine translation from French. The official text remains authoritative.

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