The curves of 2003 and 2013 show the same peaks and troughs of the population aged more than 45 in 2003 with a ten-year displacement.
Contributions, medical costs submitted to CHIS and reimbursements in 2013
Distinguishing the categories of active and retired members, the deficit of contribution for pensioners appears with a ratio of contributions/reimbursements of 0.82.
The level of cover for costs by the insurance is 87% for both categories.
Distribution of reimbursements by type of benefit as a percentage of the total and variation from 2012
X-rays, tests, ambulatory care
total ambulatory care
hospitalisation in public hospitals
hospitalisation in accredited private hospitals
hospitalisation in non-accredited private hospitals
These reimbursements concerned the medical care given by providers resident principally in Switzerland and France, with the following percentages:
Hospitalisations in 20 different countries were reimbursed, but the vast majority of hospitalisations took place in Switzerland, with a percentage of 89.2% of total reimbursements.
It is in serious cases that the insurance plays the greatest role. In 2013, 4.6% of cases necessitated 48.3% of total reimbursements.
Mortality: in 2013, 91 deaths of insured persons were registered, of these 11 persons were aged under 65 years
Evolution of annual average reimbursement per insured person between 2007 and 2013
The following calculations allow an evaluation of the variation of the average annual amount of reimbursement per insured person. By calculating the average fictitious reimbursement of the population at the end of 2013 with the average reimbursement by age group of 2007, it is possible to distinguish the effect of a change in demography on the one hand and the effect of medical inflation on the other hand. This medical inflation includes the variations in tarifs and individual consumption of medical care but also changes in medical techniques and practices.
For comparison, the indices of the evolution calculated over the period 1997-2007 are shown.
évolution des remboursements annuels moyens par assuré 2007-2013 et indices de l'inflation médicale et de la démographie
Note: these figures have a systematic bias since they are based on the population as at the end of each year.
remb. 2013 kCHF
moyen 2013 (kCHF/pers.)
pop 2013 avec remb. moyens/age 2007
moyen 2007 (kCHF/pers.)
rembt. moyen 2013/pop 2013 avec rembts moyens 2007:
pop 2013 avec rembts moyens 2007/rembt moyen 2007:
rembt. moyen 2013 / remb moyen 2007:
The annual medical inflation rate between 2007 and 2013 (1.17%) is much lower than between 1997 and 2007 (2.27%).
As for the annual rate of demographic evolution, that was positive from 1997 to 2007, meaning an ageing of the population, it was negative during the last 6 years.
These calculated values cannot be exact since they are systematically biased by the population known at the end of the year, whilst the reimbursements cover all beneficiaries over the whole year.
More complete statistics have been requested. They are part of the technical specifications for the current call for tender for the administration contract for the CHIS.
In recent months the Information Sessions saw many discussions to try to give some answers to CERN retirees who have been newly taxed on French territory with CSG and CRDS.
This was especially the case for those living in the Ain département, in particular those who depend on the Bellegarde sur Valserine tax office.
At the AGM in March we presented some of our results. We layed out the different cases presented to us at our Information Sessions. Please take a look at them.
Not all questions have been resolved, but our team is working tirelessly to find the answers to the outstanding questions.
In addition to these preoccupations, we also dealt with many social and administrative questions such as widows’ pensions, and what to do about unforeseen economic difficulties.
The Committee stays closely in contact with the CERN legal service and the AFIF (Association of Intenational French Civil Servants) in Geneva.
Civil servants retired from other international organizations are in the same situation as some of our colleagues. We hope to collect reliable information, advice and procedures for efficient actions.
We are here to take your questions and invite you to meet with us according to the calendar.
Gunilla Santiard, René Barthélémy and Jean-François Michaud are happy to receive you.
Presence of GAC-EPA on the Internet
2014 has started and most of you have dutifully paid your membership. We sincerely thank you for that. The bank tells us more than 2’000 individual payments have been made.
That is a long list of payments that need to be entered into our membership data base. It would take almost a week full-time work to do this by hand!
We now use a program, taking only a few seconds. But the program must match the UBS statement text of your payment with your record in our data base. We receive many payments that are impossible to handle automatically, here are some examples:
30CHF from “AMFIE ASSOCIATION MUTUALISTE. DES FONCTIONNAIRES DES ORGANISATIONS”, with no indication as to who paid it.
Two payments with exactly the same message, probably from couples who both worked at CERN.
A payment from someone using the bank account on their spouse’s name.
Please help us match UBS texts with data base records:
Make a standing order, don’t pay each year separately.
Use an account that belongs to you, not that of a family member.
For the statement’s message, use your full name, first names and city(*).
Make sure the spelling of all names is correct.
If your family name is quite common, or your family name can also be used as a first name, be sure to use all your first names and the city (remember that the CERN telephone book once listed three different people called Olivier Martin)
Make one order per person, and if you are a couple who are both members, make sure both statement texts are different (e.g. by the first names).
Here is a perfectly acceptable UBS statement text:
ROBERT CAILLIAU PREVESSIN
What is unnecessary:
titles or street addresses.
the words “membership fee” or “cotisation”.
Therefore the statement text:
MR. ROBERT CAILLIAU ROUTE ORNEX 425 PREVESSIN COTISATION GAC-EPA
is fairly redundant (though it is acceptable).
PLEASE DO NOT change the statement text slightly each year.
PLEASE DO NOT abbreviate names.
PLEASE DO NOT add the year for which the payment is made.
PLEASE DO NOT use the name of someone other than you (e.g. your spouse).
If you use e-banking, you can set up a standing order quite easily and also ensure the above recommendations are followed.
Thank you for your understanding and for your help.
(*) We understand that your bank’s message uses the denomination of your account, and that you cannot change this using e-banking access. The denomination (libellé) is entered once, by a bank clerk, not you, and spelling errors and other inaccuracies are quite frequent. Because the denomination is only seen by people to whom you send funds, not by you, it is very likely that you are not even aware that it is incomplete, wrong or contains spelling errors. Please contact your bank to make sure that your name is complete and spelled correctly.
We want to present the exploits of our enthusiastic retirees. There is life after CERN, and for many it is rich in achievements. It is these activities that we wish to present to you with our “Report on…” column. We go in the field to visit those who want to talk to us about the passions of their retired life. Enjoy
“La Remise 01”
On this beautiful Spring day an old friend receives me:Jacques LISSAJOUX.
One day in the 1980s this retired CERN fireman had the idea to collect some helmets from this prestigious corps. It was when he presented the collection in Thoiry in 1982 and following many meetings and discussions that he was sure that helped by friends he had to start collecting historic objects of the regional fire brigades.
This was not easy since enthusiasts like Jacques can be counted on the fingers of one hand.
A small hard core quickly formed around him and soon there was a problem for the storage of the collection of regional material. After a hard search, it was the municipality of Gex that finally proposed to the association “La Remise”, founded in 1985, the old abandoned railway station buildings.
Almost thirty years of labour have resulted in the Ain departmental museum “La Remise 01” that you can visit from May to September.
There you can find not only vehicles, pumps, helmets, and impressive collections of all sorts of objects, but also strange things such as an Alouette civil defense helicopter, a Delahaye fire-engine from 1926, a memorial to the New York firemen who were victims of the Twin Towers disaster, an educational section for children, uniforms from different periods and places, etc. The original objective has been mostly reached and today there are around fifty members of the association, of whom several are CERN retirees. Without their passion and devotion the region of the Pays de Gex, the departments of Ain and the Haute Savoie, and neighbouring Switzerland would have lost this historic heritage and the past would have been forgotten.
Jacques is a mine of information and he can recount numerous anecdotes. When you go to visit, ask him some questions and you will see the extent of his knowledge and his competence on fire prevention matters. Let us thank him here for his welcome and his communicative warmth.
A certain of our members paid only 25 CHF instead of 30 CHF for their 2014 menbership fee, a lapse of attention no doubt.
We ask them to correct their next standing order and then to pay 5 CHF by simple transfer order, taking account of Robert’s remarks. You can also put a coin of 5 CHF into an envelope at the Staff Association office with your name inside. Many thanks to all!
The CHIS website is being remade. Much information can be found there.
We invite you to indicate your computing needs for your contacts with CERN for acces authorizations to official documents, services and so on. Please write to us:email@example.com
We invite you to register your latest e-mail adress with the GAC-EPA secretariat so that we can reduce our printing and mailing costs: firstname.lastname@example.org (adress no longer in use/adresse plus en service)
The editors are looking for translators and correctors in the two languages, English and French. We invite you to contact the secretariat:email@example.com
To lighten the load on our colleagues of the information sessions, we strongly recommand you to read again the document on “Rights and Duties” of CERN-ESO retirees.