{"id":4643,"date":"2025-10-30T20:09:18","date_gmt":"2025-10-30T19:09:18","guid":{"rendered":"https:\/\/snalc.org\/snalc2023\/?p=4643"},"modified":"2025-10-30T20:16:19","modified_gmt":"2025-10-30T19:16:19","slug":"psc-les-conseils-du-snalc-avant-laffiliation","status":"publish","type":"post","link":"https:\/\/snalc.org\/snalc2023\/?p=4643","title":{"rendered":"PSC : les conseils du SNALC avant l\u2019affiliation"},"content":{"rendered":"\n<h5 class=\"wp-block-heading\">La position du SNALC<\/h5>\n\n\n\n<p><strong>Si le SNALC a sign\u00e9 l\u2019<a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000049486828\">accord du 8 avril 2024<\/a> pour l\u2019\u00c9ducation nationale, c\u2019est que les n\u00e9gociations ont permis d\u2019am\u00e9liorer plusieurs \u00e9l\u00e9ments du <a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045641233\">d\u00e9cret 2022-633<\/a>, s\u2019appliquant de fait.<\/strong><\/p>\n\n\n\n<p>Pour rappel, l\u2019<a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000044424414\">article L827-1 du CGFP<\/a> a align\u00e9 la l\u00e9gislation en mati\u00e8re de protection sociale dans la fonction publique sur celle du secteur priv\u00e9. De l\u00e0, un accord interminist\u00e9riel a \u00e9t\u00e9 sign\u00e9 en 2022 par <strong><u>tous<\/u><\/strong> les syndicats repr\u00e9sentatifs de la fonction publique de l\u2019\u00c9tat \u2013 le SNALC n\u2019y si\u00e9geant pas. Rien de tout cela n\u2019est juridiquement attaquable.<\/p>\n\n\n\n<p>Le SNALC a d\u00e9nonc\u00e9 le caract\u00e8re obligatoire de la PSC, comme le fait qu\u2019il n\u2019y ait eu qu\u2019un seul candidat \u00e0 l\u2019appel d\u2019offre lanc\u00e9 (MGEN-CNP). Il a milit\u00e9&nbsp;pour une meilleure prise en charge des frais optiques, dentaires ou encore de s\u00e9ances de psychologue.<\/p>\n\n\n\n<p>Le SNALC avait demand\u00e9 la mise en place de 3 options (et non 2) afin de disposer d\u2019une vari\u00e9t\u00e9 de propositions et d\u2019\u00e9viter le d\u00e9calage tarifaire trop important entre deux options que l\u2019on subit maintenant.<\/p>\n\n\n\n<p>Le SNALC est et sera vigilant quant \u00e0 la mise en place de ce nouveau r\u00e9gime collectif.&nbsp;<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Voici nos conseils \u00e0 lire avant de vous affilier<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avant tout, n\u2019oubliez pas que <strong>seule la cotisation \u00ab\u00a0socle\u00a0\u00bb est obligatoire pour les agents actifs<\/strong> car elle est prise en charge \u00e0 hauteur de 50 % (en moyenne) par l\u2019employeur. Regardez bien vos d\u00e9penses de sant\u00e9 habituelles et les garanties propos\u00e9es en option pour d\u00e9terminer ce qui est int\u00e9ressant pour vous ou non.<\/li>\n\n\n\n<li><strong>Rien ne vous oblige \u00e0 rattacher vos enfants ou votre conjoint<\/strong> \u00e0 votre contrat MGEN. Sachez que l\u2019adh\u00e9sion est gratuite \u00e0 partir du 3<sup>e<\/sup>. Faites des devis aupr\u00e8s d\u2019autres mutuelles\u00a0ou assurances pour comparer les offres d\u00e8s maintenant. Il est tout \u00e0 fait <strong>possible d\u2019avoir un contrat sp\u00e9cifique pour vos enfants.<\/strong><\/li>\n\n\n\n<li>Si la couverture propos\u00e9e par la MGEN (avec ou sans option) \u00e0 partir de mai 2026 n\u2019est pas suffisante pour vos besoins, n\u2019h\u00e9sitez pas \u00e0 faire des <strong>devis pour une surcompl\u00e9mentaire<\/strong> pour compl\u00e9ter votre couverture.<\/li>\n\n\n\n<li>Si votre <strong>conjoint travaille \u00e9galement dans l\u2019\u00c9ducation nationale<\/strong>, l\u2019Enseignement sup\u00e9rieur ou Jeunesse et sports, ne cochez surtout pas la case \u00ab\u00a0Souhaitez-vous couvrir votre conjoint(e) ?\u00a0\u00bb. Finalisez<strong> chacun votre processus individuel d\u2019affiliation<\/strong>, sans quoi vous ne b\u00e9n\u00e9ficierez pas de la participation employeur.<\/li>\n\n\n\n<li>Si votre <strong>conjoint b\u00e9n\u00e9ficie d\u2019un contrat collectif en PSC<\/strong> dans son entreprise ou administration, et que vous en \u00eates ayant droit, une <strong>dispense<\/strong> est possible (fournir une attestation sur l\u2019honneur lors de l\u2019affiliation). D\u2019autres cas de dispense existent.<\/li>\n\n\n\n<li><strong>Rappel<\/strong> : vous avez jusqu\u2019\u00e0 la <strong>mise en place du r\u00e9gime au 1<sup>er<\/sup> mai 2026<\/strong> pour choisir vos options et rattacher vos ayants droit. Ensuite, les modifications de contrat seront possibles une fois par an.<\/li>\n<\/ul>\n\n\n\n<p><strong>N\u2019h\u00e9sitez pas \u00e0 nous contacter pour des conseils personnalis\u00e9s.<\/strong><\/p>\n\n\n\n<p>Enfin, sachez que le SNALC si\u00e8ge \u00e0 la Commission paritaire de pilotage et de suivi (CPPS) et y fera remonter tous vos retours afin d\u2019am\u00e9liorer ce nouveau r\u00e9gime et sa mise en place.<\/p>\n\n\n\n<p><a href=\"mailto:sante-handicap@snalc.fr\">Contact p\u00f4le SNALC &#8211; SANT\u00c9 \/ HANDICAP<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Article publi\u00e9 dans la revue du SNALC <a href=\"https:\/\/snalc.fr\/quinzaine-universitaire-n1506\/\">Quinzaine universitaire n\u00b01506<\/a> du 31 octobre 2025<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/snalc.fr\/wp-content\/uploads\/PSC-infographie-SNALC.png\" alt=\"\" title=\"\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/snalc.fr\/wp-content\/uploads\/PSC-infographie-SNALC.pdf\"><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/snalc.fr\/wp-content\/uploads\/PSC-infographie-SNALC.pdf\">T\u00e9l\u00e9charger (PDF)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La position du SNALC Si le SNALC a sign\u00e9 l\u2019accord du 8 avril 2024 pour l\u2019\u00c9ducation nationale, c\u2019est que les n\u00e9gociations ont permis d\u2019am\u00e9liorer plusieurs \u00e9l\u00e9ments du d\u00e9cret 2022-633, s\u2019appliquant [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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