With the publication of the PMSS 2022 (Plafond Mensuel de la Sécurité Sociale – Social Security Monthly Ceiling) once again very late, management centers can finally finish sending January 2022 due notices for products strictly indexed to the PMSS. In fact, the vast majority of individual and self-employed health and provident insurance products are in arrears. In other words, each month’s insurance premium is deducted at the beginning of the same month in Euros €. For contracts renewing in January, you need to inform them of the new premium as soon as it is known, between September and December. However, for products strictly indexed to the PMSS, the official publication of this index is a sine qua non for this calculation in €. We don’t charge rates… So, for products with terms to maturity, Smalltox no longer recommends strict indexation to the PMSS, but free indexation decided by the insurer further upstream (between September and mid-November). This means that customers can receive their maturity notices on time, rather than during or after the holiday season. This problem does not arise for group health and provident insurance products for employees, where contributions are due and therefore calculated a posteriori after the end of the month (via the DSN (Déclaration Sociale Nominative), for example) or at the end of the quarter, i.e. well after the PMSS has been published, albeit belatedly.
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