{"id":4682,"date":"2025-11-19T18:03:37","date_gmt":"2025-11-19T17:03:37","guid":{"rendered":"https:\/\/snalc.org\/snalc2023\/?p=4682"},"modified":"2025-11-19T18:03:41","modified_gmt":"2025-11-19T17:03:41","slug":"protection-sociale-complementaire-vers-un-accident-industriel","status":"publish","type":"post","link":"https:\/\/snalc.org\/snalc2023\/?p=4682","title":{"rendered":"Protection sociale compl\u00e9mentaire\u00a0: vers un accident industriel\u00a0?"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/snalc.fr\/wp-content\/uploads\/QU1506.jpg\" alt=\"\" class=\"wp-image-60495\"\/><\/figure>\n\n\n\n<p><strong>L\u2019\u00e9dito du pr\u00e9sident<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/snalc.fr\/wp-content\/uploads\/SNALC-congres-Strasbourg-mai-2023-Photo-Philippe-Sautier-3-e1686317689865-241x300.jpg\" alt=\"\" class=\"wp-image-27808\"\/><\/figure>\n\n\n\n<p>Jean-R\u00e9mi GIRARD<\/p>\n\n\n\n<p><em>Edito de la revue <a href=\"https:\/\/snalc.fr\/quinzaine-universitaire-n1506\/\" target=\"_blank\" rel=\"noreferrer noopener\">Quinzaine universitaire n\u00b01506<\/a> du 31 octobre 2025<\/em><\/p>\n\n\n\n<p>L\u2019\u00c9ducation nationale et l\u2019enseignement sup\u00e9rieur se sont-ils fait avoir&nbsp;? La PSC est-elle un march\u00e9 de dupes&nbsp;? Alors que le processus d\u2019affiliation a commenc\u00e9 \u2014 et qu\u2019il a d\u00e9j\u00e0 \u00e9t\u00e9 suspendu unilat\u00e9ralement dans le sup\u00e9rieur \u2014 le r\u00f4le d\u2019un syndicat repr\u00e9sentatif comme le SNALC est de vous informer, de vous conseiller et d\u2019agir.<\/p>\n\n\n\n<p>Que s\u2019est-il pass\u00e9&nbsp;? Il s\u2019est pass\u00e9 une ordonnance en 2021, qui a rapproch\u00e9 le fonctionnement de la protection sociale compl\u00e9mentaire de celui du priv\u00e9, avec prise en charge partielle par l\u2019employeur. Cette ordonnance a abouti \u00e0 l\u2019accord interminist\u00e9riel du 26 janvier 2022, fixant un cadre obligatoire pour la fonction publique d\u2019\u00c9tat, donc pour nous. Cet accord, rappelons-le, a \u00e9t\u00e9 sign\u00e9 par l\u2019ensemble des f\u00e9d\u00e9rations du p\u00e9rim\u00e8tre (FO, FSU, UNSA, CFDT, CGT, Solidaires, CGC), y compris celles qui vous expliquent aujourd\u2019hui qu\u2019elles sont contre. C\u2019est cet accord, qui ne peut \u00eatre d\u00e9nonc\u00e9 juridiquement, qui s\u2019est impos\u00e9 \u00e0 nos minist\u00e8res.<\/p>\n\n\n\n<p>Partant de l\u00e0, le r\u00f4le du SNALC, syndicat repr\u00e9sentatif au niveau de l\u2019\u00c9ducation nationale, n\u2019a pu \u00eatre que de limiter la casse et d\u2019obtenir de meilleures garanties. De toute mani\u00e8re, avec ou sans nous, l\u2019accord s\u2019appliquait. Nous avons donc bataill\u00e9 pour am\u00e9liorer le cahier des charges par rapport \u00e0 celui pos\u00e9 dans l\u2019accord, obtenant par exemple de meilleures conditions sur le volet psychologique, mais \u00e9tant retoqu\u00e9s sur l\u2019optique, domaine pourtant fondamental pour nos professions. Signer ou ne pas signer au niveau minist\u00e9riel n\u2019entra\u00eenait qu\u2019une seule cons\u00e9quence&nbsp;: si\u00e9ger ou ne pas si\u00e9ger au comit\u00e9 de suivi, puisque l\u2019accord fonction publique \u00e9tait d\u00e9j\u00e0 l\u00e0. Le SNALC a fait le choix de si\u00e9ger, pour pouvoir contr\u00f4ler les diff\u00e9rentes \u00e9tapes, et le cas \u00e9ch\u00e9ant d\u00e9noncer les abus.<\/p>\n\n\n\n<p>Sans surprise, tout ne s\u2019est pas bien pass\u00e9, loin de l\u00e0. L\u2019appel d\u2019offre n\u2019a suscit\u00e9 qu\u2019une seule candidature allant au bout (MGEN-CNP), alors m\u00eame qu\u2019il nous avait \u00e9t\u00e9 indiqu\u00e9 que plusieurs organismes \u00e9taient int\u00e9ress\u00e9s. La concurrence, c\u2019est plus facile sans concurrents. Les marges de n\u00e9gociation \u00e9taient donc inexistantes&nbsp;: il n\u2019y a eu ni discussion, ni choix.<\/p>\n\n\n\n<p>Le SNALC d\u00e9nonce le processus, qui prive les coll\u00e8gues de leur libert\u00e9 de choix. Si une bonne partie d\u2019entre nous vont constater une am\u00e9lioration, car le contrat est objectivement meilleur que l\u2019actuel du m\u00eame organisme, celles et ceux qui avaient opt\u00e9 pour d\u2019autres solutions adapt\u00e9es \u00e0 leur situation peuvent y perdre, parfois beaucoup. Les d\u00e9rogations sont tr\u00e8s limit\u00e9es \u2014 la principale \u00e9tant le cas du conjoint ayant une mutuelle d\u2019entreprise obligatoire. Il n\u2019y a en revanche aucune obligation d\u2019affilier ses enfants \u00e0 la m\u00eame mutuelle que soi. Ni aucune interdiction de prendre une surcompl\u00e9mentaire ailleurs.<\/p>\n\n\n\n<p>Le SNALC est l\u00e0 pour vous d\u00e9fendre et vous conseiller, au cas par cas. Ce processus, que notre organisation n\u2019a jamais demand\u00e9, va s\u2019appliquer. Les premiers rat\u00e9s commencent d\u00e9j\u00e0 \u00e0 appara\u00eetre, comme l\u2019a montr\u00e9 la suspension op\u00e9r\u00e9e dans l\u2019enseignement sup\u00e9rieur. Le spectre de l\u2019accident industriel est loin d\u2019\u00eatre \u00e9cart\u00e9, et c\u2019est l\u00e0 que notre si\u00e8ge au comit\u00e9 de suivi pourra faire toute la diff\u00e9rence. Car si le cahier des charges n\u2019est pas respect\u00e9, l\u2019accord peut \u00eatre d\u00e9nonc\u00e9, par exemple. Comptez sur nous pour vous aider \u00e0 naviguer dans l\u2019univers complexe des mutuelles, pour trouver la formule qui vous sera la plus favorable. Le SNALC n\u2019a aucun lien qui l\u2019emp\u00eacherait d\u2019agir. Dans cette affaire, notre seul int\u00e9r\u00eat, c\u2019est le v\u00f4tre.<\/p>\n\n\n\n<p><a href=\"https:\/\/snalc.fr\/wp-content\/uploads\/QU1506.pdf\">T\u00e9l\u00e9charger la revue en PDF<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e9dito du pr\u00e9sident Jean-R\u00e9mi GIRARD Edito de la revue Quinzaine universitaire n\u00b01506 du 31 octobre 2025 L\u2019\u00c9ducation nationale et l\u2019enseignement sup\u00e9rieur se sont-ils fait avoir&nbsp;? La PSC est-elle un march\u00e9 [&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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[42],"tags":[],"class_list":["post-4682","post","type-post","status-publish","format-standard","hentry","category-actualites-2025-2026"],"modified_by":"slecourtier","_links":{"self":[{"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/posts\/4682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4682"}],"version-history":[{"count":1,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/posts\/4682\/revisions"}],"predecessor-version":[{"id":4683,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=\/wp\/v2\/posts\/4682\/revisions\/4683"}],"wp:attachment":[{"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/snalc.org\/snalc2023\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}