Do not confuse mutual insurance and provident insurance
The mutual reimburses your care. Pension protection protects your salary and your future.
Insurance is a compulsory contract for teachers (full teachers, trainees, substitutes) financed largely by your establishment and by you.
It guarantees continued salary in the event of illness, accident or disability.
Concretely, foresight is:
- In ordinary illness (CMO) : 95% of salary after 3 months (without pension 50%);
- In long illness (CLM) : 95% after 1 year (without foresight 60%);
- In disability : maintenance of up to 95% of income (without insurance 80%);
- In case of décèspayment to your beneficiaries of a capital of 3 years of gross salary.
You contribute little (0.2% of your gross salary). The establishment finance the essentials (1.05% of gross).
The announced end of foresight: the worst social setback in history for private teachers!
Professional organizations of establishment heads disseminate misleading information from the National Federation of OGEC denounced by Snec-CFTC.
No, the ministry will not replace this device. It offers foresight facultativeless protective and who coûtera très cher to teachers.
It is therefore to be feared that many teachers will not subscribe to it and will no longer be protected.
Tomorrow the cost for the teacher would be multiplied by 7 !Â
Risk of annual loss: between 300 and 700 euros just for the contribution! And to be less protected!
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Comparison of current services and new services:
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You will pay a lot more to be less protected!
The Snec-CFTC is informing you today, because the situation is serious.
Catholic Education has confirmed through its communication its desire not to maintain the welfare contract from January 1, 2027, a contract which has existed for almost 50 years.
It is :
- a total abandonment of teachers,
- discredit the investment and volunteering of teachers in their establishment,
- an attack on the contract of trust between teachers and educational establishments,
- a significant loss of purchasing power.
The only “advantage†private teachers are disappearing to further widen the gap with their public colleagues. As a reminder our net salary is 10% lowerWe do not have civil servant status  neither job security and our retirement is calculated on the best 25 years and not over the last 6 months.
At the same time, Catholic Education will recover at least 66 million euros. It is indeed a financial measure to the detriment of those who, along with the employees, make the establishments a daily life, often committing themselves well beyond their teaching contract.
Snec-CFTC will fight with all its strength to prevent this major social setback. He will inform you and suggest different means of action.
