CSAIO6 / 09 - 2005 CERN Staff Association 1 CERN CERN Long-Term Care Long-Term Care Scheme Scheme Conference of the Staff Associations Conference of the Staff Associations of Internationals Organizations of Internationals Organizations 29-30 September 2005 29-30 September 2005
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CSAIO6 / 09 - 2005 CERN Staff Association 1 CERN Long-Term Care Scheme Conference of the Staff Associations of Internationals Organizations 29-30 September.
CSAIO6 / CERN Staff Association 3 CERN Health Insurance Scheme (1) l Nature of the CHIS n Funding of the CHIS u Contribution of active staff – share between Staff & Organisation : 4.02% & 6.35% of basic salary u Contribution of pensioners – share between pensioners & Organisation : 4.02% & 6.35% of the last indexed monthly basic salary u Contribution of spouses when they receive an income n External administrator (UNIQA) u Claims reimbursement u Daily administration of the CHIS services
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CSAIO6 / 09 - 2005 CERN Staff Association 1
CERN CERN Long-Term CareLong-Term Care
SchemeSchemeConference of the Staff AssociationsConference of the Staff Associations
of Internationals Organizations of Internationals Organizations 29-30 September 200529-30 September 2005
CSAIO6 / 09 - 2005 CERN Staff Association 2
ContentsContents CERN Health Insurance Scheme
Nature of the CHIS Basic principles of the CHIS Scheme administration & responsibilities
Long-Term Care Scheme Background of the LTC Actuarial studies (scheme choice) Nature of the LTC Actuarial scenarios (no LTC; with LTC) Financing of the LTC Benefits of the LTC Advantages of the LTC Some LTC statistics from 2001 - 2005 Some CHIS – LTC statistics from 1988 – 2004 The future of the LTC
Conclusions
CSAIO6 / 09 - 2005 CERN Staff Association 3
CERN Health Insurance Scheme (1)CERN Health Insurance Scheme (1)
Nature of the CHISFunding of the CHIS
Contribution of active staff – share between Staff & Organisation : 4.02% & 6.35% of basic salary
Contribution of pensioners – share between pensioners & Organisation : 4.02% & 6.35% of the last indexed monthly basic salary
Contribution of spouses when they receive an income
External administrator (UNIQA) Claims reimbursement Daily administration of the CHIS services
CSAIO6 / 09 - 2005 CERN Staff Association 4
CERN Health Insurance Scheme (2)CERN Health Insurance Scheme (2) Basic principles of the CHIS
Obligatory, everyone must participate
Contributions are based on salaries only, independent of age of beneficiariesand of number of beneficiariesin the household
All members of the family (spouse & dependent children are cover).
It is obligatory
It is a mutual scheme
CSAIO6 / 09 - 2005 CERN Staff Association 5
CERN Health Insurance Scheme (3)CERN Health Insurance Scheme (3) Freedom of choice of health
care providers & world-wide coverage
Responsibility of each CHIS memberthe level of reimbursementshall not exceed the level of contributions