Section actions
Duration: Activation — automatic; duration — up to 9 months
Cost: 100 % of contributions (employee + employer) on you
On-site only
Who this guide is for
Section actions
- You if you're fired or your contract ends and you want to keep the mutual
- You if you receive unemployment benefits and want to understand your rights
- You if you are an employer and want to know your obligation to terminate your employment
To be prepared in advance
Section actions
- Certification France Travail / redundancies document
- Certificate of mutual enterprise (by the employer)
- RIB for payments
Step-by-step procedure
Section actions
- 1Check eligibility: portability applies in case of dismissal, end of CDD, conventional break, legitimate resignation. Not in simple resignation without reason. Duration: up to 9 months (duration of compensation for notice).
- 2Notification to the mutual: the employer must inform the mutual of the dismissal. The mutual automatically extends the contract, unless you refuse.
- 3Cost: 100 % of contributions (employee share + employer share) switch to you. It's more expensive than in employment, but the coverage is the same. For some (Eligible CSS), this may be disadvantageous — check.
- 4Notice of refusal: you can refuse portability in the 10 days after notification — the contract ends. Without refusal — automatic extension.
- 5During portability, coverage is the same as in employment. Use the mutual card as usual.
- 6At the end of portability (9 months or before if compensation ends before): the contract ends. You can subscribe to a private mutual fund or CSS (low income).
- 7During the search for a job: when a new job is taken up, the new mutual company replaces portability. Inform the old mutual about change.
- 8In case of refusal of portability by mutual (illegal) — recourse to labour inspectorate or court.
Common mistakes
Section actions
- Ignoring portability — breakdown of coverage on dismissal.
- Do not check if CSS is more advantageous than portability (more expensive).
- Miss the refusal period (10 days) if you want to refuse.
- Believe free portability. No — you pay 100 % of contributions.
- Do not inform the mutual news after a return to employment.
Official sources
Section actions
Show sources in this section
Important remark
The conditions of portability depend on the reason for the termination of the contract and the mutual contract. This information is indicative — for your situation, check with the employer and the mutual.
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