EFS resets death, disability and health rates from 1 January 2027

Avenant n°15 to the accord covering the supplementary prévoyance and frais de santé schemes of the Établissement français du sang (EFS)Legifrance, signed on 23 September 2026Legifrance by EFS and four unions (CFDT, FO, SNTS CFE-CGC, UNSA), replaces avenants nos. 8 to 12 of 2020–2024Legifrance. It takes effect on 1 January 2027Legifrance for the term of the group insurance contracts, subject to a greater-than-half union sign-off, and is filed with the DRIEETS of Île-de-France and the Bobigny conseil de prud’hommes. The aims are to keep the schemes within the contrats responsables framework of article L. 871-1 of the code de la sécurité sociale and to balance benefits against cost.

The new prévoyance rates apply from 1 January 2027LegifranceLegifrance. Tranche 1 is set at 2,043% of gross salary and tranche 2 at 3,222%Legifrance, split between employer and employee under article 7.2.4 of the EFS convention collective. One per cent of gross contributions excluding tax feeds a dedicated Prévoyance social fund, run by the joint monitoring commission, for exceptional hardship aid linked to death, incapacity, invalidity or loss of autonomy.

The death cover offers three actuarially equivalent optionsLegifrance: a lump sum of 175% of the reference annual gross salary (single without a dependent child), 225% (partnered without one) or 275% (any dependent child), plus 50% per additional childLegifrance; a reduced capital of 175% with a dependent child plus an éducation annuity of 12%, 16% or 20% by age band; or a reduced capital of 125% plus life and temporary annuities to the surviving spouse. Invalidité absolue et définitive — third-category invalidity under article L. 341-4, with permanent incapacity of at least 80% treated the same — triggers advance payment of the death capital and annuities. A funeral grant of 30% of the monthly social-security ceiling covers the employee or a beneficiary over 12.

For sick leave unrelated to a work accident or occupational disease, complementary benefits start after a 90-day continuous waiting period — EFS maintaining salary for discontinuous absences of up to 90 days a year — and top income up to 100% of net pay from day 91 while social security pays. Permanent incapacity from a work accident or occupational disease at 33% or more is likewise topped up to 100% of net pay, and invalidity to 50% of gross activity salary for the first category and 80% for the second and third, net of social security. Periodic benefits are revalued annually at a rate set by the EFS social partners.

Health cover is financed from 1 January 2027 by a monthlyLegifrance 2.08% of the monthly ceiling per employee under the general schemeLegifrance and 1.44% under the Alsace-Moselle schemeLegifrance, split under article 7.3.4. Dependent adults join voluntarily at the employee’s exclusive cost at 2.30% and 1.60% respectively, and dependent children at 1.18% and 0.85%. Former employees pay the same rates in year one, rising to 2,70% then 3,24% for a general-scheme retiree; lower Alsace-Moselle scales apply throughout and children’s contributions stay flat at 1,18% and 0,85%. One per cent of gross contributions feeds a dedicated health social fund for top-up reimbursement of uncovered medical costs. Leavers keep both covers free while drawing unemployment benefit, up to twelve months or the length of the last contract, with incapacity top-ups capped at the unemployment benefit due.

Legal basis: convention collective of the EFS, titre VII and articles 7.2 and 7.3; code de la sécurité sociale, articles L. 871-1, L. 242-1, L. 341-4 and L. 911-8; article 12 of loi n° 89-1009 of 31 December 1989 on individual information of insured persons.