Since June 1, 2014, the maximum duration of maintaining any existing supplemental contingency scheme after the termination of an employment agreement has been increased from 9 to 12 months and has become free both for the employer and the employee.

For all terminations notified as from June 1, 2015, the same applies to any existing supplemental health scheme. As a reminder, all companies must implement a supplemental health scheme for their employees as of January 1, 2016. 

Who will benefit from the maintaining of the benefits?

Only employees who register with the "Pôle emploi" national unemployment services can benefit from the maintaining of their supplemental contingency and health schemes.

What are the employer's obligations at the date of termination?

The employer must inform the employee, at the time of termination of the employment agreement, of the conditions under which he/she may continue to benefit from his/her supplemental health scheme (and of the supplemental contingency scheme) if any.

The employer must inform the insurance company of the termination of the employment agreement.

What is the cost of maintaining the benefits for both the employer and the employee?

Since June 1, 2014, for the supplemental contingency scheme and since June 1, 2015, for the supplemental health scheme, the maintaining of benefits is free for both the employer and the employee!

Indeed, the cost of the supplemental contingency and health schemes is now fully borne by the insurance company as from the termination date of the employment agreement. Consequently, many companies have noticed a significant increase of the cost of the supplemental contingency and health schemes for the remaining employees.