A mutual collective is a little more social can help you differentiate yourself from your competitors. So why not take the plunge? Especially since, according to the chosen device, you are entitled to relief from charges.

The mutual company, a must in your company? So says a study of insurance issued in April 2010 that more than half of small and micro businesses have chosen to take a collective contract. However, before you take the plunge, ask yourself and get help from your accountant. Because contract terms are variables. For example, some mutuals are more advantageous if you have employees relatively old (45 years).however.If you depend on a collective agreement (construction workers, or baker, for example), be aware that some of them require minimum levels of reimbursement or the choice of your insurer April Insurance, Points on which you must be vigilant.


However, if you choose your insurance, you have several options. Indeed, there are three different regimes of complementary health.First, the mutual collective compulsory membership applies to all employees of the company.Then the mutual collective membership is optional, as the name suggests, not mandatory for employees. As for the individual mutual, it is negotiated by the company for employees who want it. Its purpose .A better price than if the employee had joined independently. The main difference between these three systems? Impact on tax and social benefits of your company.

Zoom on the compulsory mutual

In the case of a mutual company required, cost is not subject to payroll taxes.It is also deductible from your taxable income.this is not the case for other forms of mutual business. However, you must comply with a ceiling height of less than 7% of annual maximum Social Security (or 2474 euros in 2011), plus 3% of gross annual income for the fiscal aspect.For the social part, the percentages were respectively 6% (2121 euros) and 1.5%. Be aware that the implementation of this contract requires you to follow some rules.You must, for example, formalized by a legal regime in place.This may be an agreement or a collective agreement in the business,a project that the majority of your employees ratify or, finally, a unilateral decision that you inform each employee in writing.

The opportunity to interact with your employees

Establish a mutual collective can also make a point with your employees, as part of an enterprise agreement.But if you do not want to use the lever of participative management, know that you have the right to impose a mutual choice, and the sharing of cost between employer and employee.