assurance maladie nature

English translation: social security (health) contribution based on in-kind salary

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:assurance maladie nature
English translation:social security (health) contribution based on in-kind salary
Entered by: Scott de Lesseps

23:08 Nov 19, 2016
French to English translations [PRO]
Bus/Financial - Insurance
French term or phrase: assurance maladie nature
under THE HEADING "RETENUES POUR COTISATIONS" in a "décompte de rémunération" (which I'm translating as "remuneration settlement"):

- Assurance maladie nature 2.800% sur
- Assurance maladie espèce 0.250% sur

The source text is Luxembourg French.
Scott de Lesseps
United States
Local time: 10:07
social security (health) contribution based on in-kind salary
Explanation:
It appears under "Retenues pour cotisations" heading, so these are deductions made on the salary, as various contributions.
"Assurance maladie nature" is a contribution to Social Security (health) which is proportional to the in-kind salary (avantages en nature : car, accomodation...)
while "Assurance maladie espèces" is proportional to the cash salary (salaire en espèces)

I've translated "assurance maladie" as "social security" rather than "health insurance" because it's the public insurance, not private insurance... Not sure what is the best translation though.

Given the fact that you are translating a whole pay-slip, why not try first to understand how it works in Luxembourg? This is fully explained in the link that I already provided.
By entering a search for "Luxembourg assurance maladie nature 2,8% espèces 0,25%" I found very easily the official site of the government, which explains how it works:
Taux de cotisation en matière de sécurité sociale:
assurance maladie (part assuré) prestations en espèces: 0,25% (E)
assurance maladie (part assuré) prestations en nature: 2,80% (N)
assurance pension (part assuré) : 8,00% (P)
assurance dépendance: 1,40% (D)
(prestations en espèces = salaire, prestations en nature = avantages en nature)

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Note added at 21 hrs (2016-11-20 20:18:29 GMT)
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Sorry, it should be "in-kind income" http://www.masslegalhelp.org/income-benefits/tafdc/advocacy-...
Selected response from:

Anne Bohy
France
Local time: 16:07
Grading comment
Thanks to everyone.
3 KudoZ points were awarded for this answer



Summary of answers provided
4sickness insurance benefit
Francois Boye
3 +1social security (health) contribution based on in-kind salary
Anne Bohy
Summary of reference entries provided
info
AllegroTrans
Contributions to social security (=assurance) funds in Luxembourg: calculations
Nikki Scott-Despaigne

Discussion entries: 11





  

Answers


4 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
sickness insurance benefit


Explanation:

Prestations en nature : définition

Les prestations en nature désignent la prise en charge des dépenses de santé dans le cadre de l’Assurance Maladie : frais médicaux de l’assuré et ses ayants-droits (frais de médecine générale, spécialistes, soins dentaires…).

Les prestations en nature incluent également le financement direct de services, par exemple une aide à domicile par exemple après une hospitalisation ou le transport en cas d’hospitalisation. Dans certains cas, il existe une dispense de frais par un système de tiers payant.


Prestations en espèces : définition
Les prestations en espèces sont des indemnités versées à l’assuré afin de compenser par exemple une perte de revenus en cas d’arrêt de travail pour maladie, de maternité…
On compte parmi les prestations en espèces : les indemnités journalières versées par la Sécurité sociale en cas d’arrêt de travail pour maladie ou de congé maternité.


Earnings loss (insurance) benefit + assurance maladie en espèce

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Note added at 4 hrs (2016-11-20 03:56:49 GMT)
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Erratum+ '= assurance maladie en espèces' instead of '+ assurance maladie en espèce'


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Note added at 15 hrs (2016-11-20 14:09:12 GMT)
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Erratum: Replace the word 'Benefit" with Contribution. Hence the following translations

SICKNESS INSURANCE CONTRIBUTION

EARNINGS LOSS INSURANCE CONTRIBUTION

Francois Boye
United States
Local time: 10:07
Native speaker of: Native in FrenchFrench

Peer comments on this answer (and responses from the answerer)
neutral  Anne Bohy: If you read the context info provided by the Asker, this is not a benefit, but a deduction (on salary)
7 hrs
  -> See my last erratum
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11 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +1
social security (health) contribution based on in-kind salary


Explanation:
It appears under "Retenues pour cotisations" heading, so these are deductions made on the salary, as various contributions.
"Assurance maladie nature" is a contribution to Social Security (health) which is proportional to the in-kind salary (avantages en nature : car, accomodation...)
while "Assurance maladie espèces" is proportional to the cash salary (salaire en espèces)

I've translated "assurance maladie" as "social security" rather than "health insurance" because it's the public insurance, not private insurance... Not sure what is the best translation though.

Given the fact that you are translating a whole pay-slip, why not try first to understand how it works in Luxembourg? This is fully explained in the link that I already provided.
By entering a search for "Luxembourg assurance maladie nature 2,8% espèces 0,25%" I found very easily the official site of the government, which explains how it works:
Taux de cotisation en matière de sécurité sociale:
assurance maladie (part assuré) prestations en espèces: 0,25% (E)
assurance maladie (part assuré) prestations en nature: 2,80% (N)
assurance pension (part assuré) : 8,00% (P)
assurance dépendance: 1,40% (D)
(prestations en espèces = salaire, prestations en nature = avantages en nature)

--------------------------------------------------
Note added at 21 hrs (2016-11-20 20:18:29 GMT)
--------------------------------------------------

Sorry, it should be "in-kind income" http://www.masslegalhelp.org/income-benefits/tafdc/advocacy-...


    Reference: http://www.impotsdirects.public.lu/salpens/exemples/calcul_h...
Anne Bohy
France
Local time: 16:07
Native speaker of: Native in FrenchFrench
PRO pts in category: 3
Grading comment
Thanks to everyone.

Peer comments on this answer (and responses from the answerer)
agree  Nikki Scott-Despaigne: Or "health insurance in kind" (which here, is paid out at a rate of 2.800% on XXX €, I suppose a sum is provided). "Contribution" is not necessary as "retenues pour cotisation" (contributions).//See my disc post about sec. soc. vs. health ins.
5 hrs
  -> The XXX € must appear above on a line "Avantages en nature". What will be displayed on this line is the XXX * 2,8% which will be deducted.
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Reference comments


47 mins
Reference: info

Reference information:
Quelle différence entre une prestation en espèce ou en nature?

Une prestation en espèce est une indemnité journalière qui permet de compenser la perte de revenu due à un arrêt de travail. L'arrêt de travail peut être la conséquence d'une maladie, d'une maternité, ou encore d'un accident de travail...

L'indemnité journalière est versée à partir du 4ème jour de l'arrêt de travail car les 3 premiers jours représentent le "délai de carence". Cette indemnité représente 50% du gain journalier de base dans la limite du plafond de la Sécurité sociale.
Qu'est-ce qu'une prestation en nature?

Il s’agit du remboursement total ou partiel par la Sécurité sociale et / ou de la complémentaire santé de tout ou partie des frais de santé engagés lors d'une maladie, d'une maternité ou d'un accident de travail.


    Reference: http://www.c-mon-assurance.com/mutuelle/faq/difference-prest...
AllegroTrans
United Kingdom
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 130
Note to reference poster
Asker: Thanks for the link, AllegroTrans.


Peer comments on this reference comment (and responses from the reference poster)
neutral  Nikki Scott-Despaigne: Gives the meaning of "espèce/nature" in absolute terms altho' given the confusion about contribution/benefit (see discussion section), this might confuse.
16 hrs
  -> yes, it's only a starter; further reserach is needed
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17 hrs
Reference: Contributions to social security (=assurance) funds in Luxembourg: calculations

Reference information:
An official source for the rules 'n' regs on calculating social security contributions in Luxembourg.

http://www.ccss.lu/salaries/remuneration/

Centre commun de la sécurité social

Nikki Scott-Despaigne
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 113
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