Annual report : unemployment insurance in 2012

ANNUAL REPORT
INSURANCE IN 2012
UNEMPLOYMENT

KEY EVENTS 4
KEY FIGURES 5
UNEMPLOYMENT INSURANCE BENEFIT 6
PAYING BENEFITS AND HELPING TO MAINTAIN
SOCIAL EQUILIBRIUM 7
2012: zero growth, increased unemployment 8
Unemployment insurance coverage: 61% of jobseekers 9
Adapting to a more diverse labour market 10
Institutional cooperation for performance 12
A continuous improvement process 12
Activity of the Joint Regional Bodies (IPR) 13
Enhanced efforts to combat increasing fraud 13
Jobseeker benefit 14
ENCOURAGING AND PROMOTING STAYING IN
AND RETURNING TO WORK 15
Staying in touch with the labour market 16
What is the Return-to-work support measure in the event of reduced activity? 16
Encouraging the return to work 18
Assistance for the takeover or creation of a company (ARCE) 19
Improved job security contract (CSP) 19
Training unemployment benefits (AREF) 20
Compensatory allowance upon redeployment (ADR) 20
Long-term reduced activity 20
Support to stay in work for the under 26s 20
Enhanced support measures 20
ENSURING THE FINANCING OF BENEFITS
AND ASSISTANCE 21
Guaranteeing the payment of benefits 22
A major project: the Déclaration sociale nominative (identified payroll tax return) 22
Account certification challenges 23
The borrowing programme 23
Who are the recipients of Unemployment insurance? 24
GUARANTEEING THE QUALITY OF THE SERVICE RENDERED 25
Organising a balanced and concerted management of the Unemployment insurance scheme 26
Unédic and its environment 27
Providing and sharing insights into employment and unemployment 27
THE UNÉDIC BOARD 28
GLOSSARY 30
1
2
3
4

3
2012 was characterised by a particularly demanding environment: unemploy-
ment increased, growth was extremely slow if not stagnant, and the prospects
for an improvement of the employment situation ever distant. In this context,
Unemployment insurance plays a major role: by compensating employees who
lose their job, it gives them security and encourages their job-seeking activity.
In so doing, it also supports our economy: by replacing 69% of the net income
lost, Unemployment insurance enables jobseekers to retain some of their pur-
chasing power. Through this role as a shock absorber, Unemployment insurance
has contributed to maintaining a social equilibrium despite worsening economic
conditions and by taking into account both the diversity of those affected by
unemployment and the situations that they encounter on the labour market.
This ongoing concern with the conditions for compensation is illustrated in the
agreement between Unédic, the State and Pôle emploi (State employment
agency).
Thisagreementhasbeeninforceforayear,supplementedbyaserviceagreement
between Unédic and Pôle emploi. Quality monitoring indicators and conditions
for compensating jobseekers have been jointly developed and monitored. We
focused in particular on the timeliness of benefit payments and compliance with
the method for calculating the entitlements of those affected by unemployment.
Situated at the heart of this system, the social partners, negotiators of the
Unemployment insurance convention, also enhanced their management effi-
ciency in 2012 by fulfilling the commitments made as a result of the Agreement
on the modernisation of the joint management system of February to maintain
the link with the conditions for delivery of services by the various benefit pay-
ment and recovery operators. For the benefit of employees, employers and job-
seekers, in 2012 Unédic decided to acquire instruments enabling it to deal with
the difficulties that managing their benefit poses for jobseekers. These difficul-
ties are analysed with Pôle emploi in order to find pathways for improvement.
From now on, a report will be drawn up every six months, primarily to supple-
ment negotiators’ debates.
Likewise, the transparency of governance is enhanced with, in particular, an audit
committee, a remuneration committee and a monthly public summary of the
Board’s meetings. 2013 will therefore be the first year these decisions will be
operationally implemented.
Our joint management model must continue to prove its effectiveness and cul-
tivate its need for transparency: which are still the best guarantees of clear and
responsible future negotiation. It also bears witness to the vitality of a social
democracy that is modernising and taking its environment into account.
Jean-François Pilliard
President of Unédic
FOR THE BENEFIT OF EMPLOYEES,
EMPLOYERS AND JOBSEEKERS,
THE UNEMPLOYMENT INSURANCE SCHEME
FULFILLS ITS SOCIAL ROLE
Editorial

4ANNUAL REPORT – UNEMPLOYMENT INSURANCE in 2012
KEY
EVENTS
SIGNATURE
OF THE TRIPARTITE AGREEMENT
The State, Unédic and Pôle emploi sign
a second agreement in order to promote
jobseekers’ access or return to work.
Three priorities are established at Pôle
emploi: customisation of the service
offering, stronger links with local
communities and continuation of
the effort to optimise resources.
11 JANUARY 2012
JANUARY
ROUND TABLE ON THE THEME “2001-2011
DIFFERENT PERSPECTIVES ON
UNEMPLOYMENT BENEFIT”
The purpose of this round table is to shed
new light on unemployment benefits
by sharing economic, statistical and
sociological knowledge.
3 FEBRUARY 2012
ELECTION OF THE PRESIDENT
AND THE VICE-PRESIDENT
The Board of Directors elects
Jean-François Pilliard President of Unédic
and Patricia Ferrand Vice-President.
7 FEBRUARY 2012
SIGNATURE OF THE NATIONAL
INTERPROFESSIONAL AGREEMENT
FOR THE MODERNISATION OF
THE JOINT MANAGEMENT SYSTEM
This agreement enhances the requirements for
transparency in the governance and management
of the Unemployment insurance scheme.
17 FEBRUARY 2012
FEBRUARY
LAUNCH OF A BORROWING
PROGRAMME
Unédic raises 3.85 billion Euros and completes
more than half of the programme planned for
this year under favourable market conditions.
20 FEBRUARY 2012
CERTIFICATION OF UNEMPLOYMENT
INSURANCE SCHEME ACCOUNTS:
FIRST YEAR OF RECOVERY
OF CONTRIBUTIONS BY ACOSS
The 2011 annual accounts are certified by
the Auditors during the Unédic Board Meeting.
For the first time, they take into account
the transfer of the recovery of contributions
to Acoss.
27 JUNE 2012
JUNE
EXTENSION OF THE LONG-TERM REDUCED
ACTIVITY ARRANGEMENT FROM 1 MARCH
TO 31 DECEMBER 2012
The social partners decide to increase
the Unemployment insurance scheme’s
contribution to financing the long-term
reduced activity arrangement.
1 MARCH 2012
IMPLEMENTATION OF THE FINANCIAL SUPPORT
ARRANGEMENT FOR YOUNG RECRUITS
The purpose of this financial support arrangement
for young people under the age of 26 who have been
recruited is to help them cover the costs they face
before receiving their first wage packet.
15 MARCH 2012
MARCH

KEY
FIGURES
JOBSEEKERS COMPENSATED
BY THE UNEMPLOYMENT
INSURANCE SCHEME* UNDER
UNEMPLOYMENT BENEFIT
(ARE)
2.2MILLIONS
AMOUNT
OF BENEFITS
AND SOCIAL
CONTRIBUTIONS
PAID IN 2012
€ 33.5 BILLION
* ON AVERAGE IN 2012 - CVS DATA
(Seasonally adjusted)
1.6MILLION
EMPLOYERS
CONTRIBUTING TO
THE UNEMPLOYMENT
INSURANCE SCHEME
5
2012
EMPLOYEES AFFILIATED TO THE
UNEMPLOYMENT INSURANCE SCHEME
16.5 MILLION
AMOUNT
OF RECOVERED
CONTRIBUTIONS
€ 32.4BILLION
TRIPARTITE AGREEMENT
MONITORING COMMITTEE
First meeting of the committee responsible
for monitoring and managing the provisions
of the 2012-2014 agreement.
17 OCTOBER 2012
NATIONAL INTERPROFESSIONAL AGREEMENT
RELATING TO COMPENSATION IN MAYOTTE
With this agreement, the Mayotte unemployment
insurance scheme will gradually fall in line with
the scheme applicable in mainland France and
in the other overseas departments and territories.
26 OCTOBER 2012
OCTOBER
NEW UNÉDIC/PÔLE EMPLOI
BIPARTITE AGREEMENT
The bipartite agreement specifies the conditions
for carrying out missions delegated by Unédic
to Pôle emploi. Cooperation with Pôle emploi
is aimed at continuously improving the quality
of the service rendered to jobseekers.
21 DECEMBER 2012
DECEMBER
INCREASE
IN UNEMPLOYMENT BENEFITS
The Unédic Board of Directors votes
for a 2% increase in unemployment
benefits from 1 July 2012.
1 JULY 2012
JULY

•
Finances 64%
of Pôle emploi’s budget
•
Implements the convention
on Unemployment insurance
•
Negotiate and establish the rules
for unemployment benefits
•
Determine the rate of contribution
of employers and employees to
the Unemployment Insurance scheme
as part of a negotiation
COMPENSATION
By the Unemployment
Insurance Scheme
Organisation
Since 1 January 2011,Acoss
(CentralAgency of Social
Security Organisations),
CCMSA,CCVRP,the central
funds of Monaco and St-Pierre
et Miquelon have centralised
recovery for greater simplicity
for companies
IN RECOVERED
CONTRIBUTIONS
€ 32.4BILLION
•
Registration
of jobseekers
•
Calculation and payment
of their benefits
•
Support towards
returning to work
•
Exploration
of the labour market
•
Assistance to companies
for recruitment
•
Job search monitoring
DEDUCTED
BY THE
SOCIAL
SECURITY
ORGANI-
SATIONS
TO
PROMOTE
A SWIFT
RETURN
TO WORK
MANDATORY
INSURANCE
AGAINST
THE RISK
OF JOB
LOSS
Employees and employers
from the private sector contribute
jointly to the financing of the
Unemployment insurance
scheme
within the framework of an agreement
negotiated by the social partners
IN UNEMPLOYMENT
INSURANCE
BENEFITS
€ 30.0BILLION € 1.0BILLION
IN RETURN-TO-
WORK ASSISTANCE
MANAGED
JOINTLY
PAID
BY
PÔLE
EMPLOI
FOR THE PÔLE
EMPLOI BUDGET€ 3.0
BILLION
SOCIAL
PARTNERS

7
PAYING BENEFITS
AND HELPING
TO
MAINTAIN
SOCIAL
EQUILIBRIUM
Faced with the diversity of jobseekers and the increase
in benefits expenditure, Unédic is financingarrangements that promote
the return to work and is committed to improving the performance
of institutional cooperation.

Economic situation
2012 WAS MARKED BY ZERO GROWTH
AND THE LOSS OF COUNTLESS JOBS
WHICH LED TO CONTINUOUSLY
INCREASING UNEMPLOYMENT.
2012 started in a fragile economic context.
Growth in France shrank slightly in the 1st half
of the year. As a result, French activity stagnat-
ed over the whole of 2012, after a rise of + 1.7%
in 2011. This stagnation was primarily rooted in
a marked decline in investment and the weak-
ening of household consumption. Neverthe-
less, the French situation was not as bad as the
rest of the euro zone.
AN UNFAVOURABLE LABOUR MARKET
THAT IS WEIGHING HEAVY ON THE
INDEBTEDNESS OF THE UNEMPLOYMENT
INSURANCE SCHEME
Despite a positive balance in the first quarter in
terms of job creation, the annual result for 2012
reveals a loss of 89,000 jobs. Following on from
2011, the decline in temporary employment
continued in 2012. Consequently, the wage
bill lost impetus and weighed heavily on the
Unemployment Insurance scheme’s revenue.
The loss of jobs, combined with an increase in
the active population, led to increased unem-
ployment and the lengthening of its duration.
At the end of 2012, the unemployment rate as
understood by the International Labour Office
(ILO) stood at 10.2% of the active population
in mainland France, i.e. 2.9 million unemployed
people. The increase reached 3.4 points for
young people under 25. Moreover, the number
of long-term unemployed, who have been reg-
istered with Pôle emploi for more than a year,
went up by 12.5% over a year.
MORE UNEMPLOYED PEOPLE EXERCISING
A REDUCED ACTIVITY
At the end of 2012, there were 4.6 million cat-
egory A, B and C unemployed people in main-
land France, i.e. an increase of 8.8% over a year.
This huge increase was reflected in both the
increase in jobseekers without a job registered
in category A (+ 10.0% over a year) and peo-
ple who exercised a reduced activity and reg-
istered in category B (+ 9.5% over a year) or C
(+ 4.5% over a year).
The number of jobseekers in receipt of Unem-
ployment benefit (ARE) under the Unemploy-
ment Insurance scheme (2.3 million at the end of
December 2012) increased by 6.0% over a year.
The increase in beneficiaries of redeployment
arrangements (occupation transition con-
tract, personal redeployment agreement and
improved job security contract) amounted to
+14,300 (+20.2% over a year).
2012:
zero growth,
increased unemployment
396,000MORE JOBSEEKERS
REGISTERED IN CATEGORIES A,
B AND C IN 2012.
163,000 additional jobseekers in receipt
of benefits compared to 2011.

9
JOBSEEKERS REGISTERED WITH PÔLE EMPLOI
AND UNEMPLOYED PEOPLE COMPENSATED
BY THE UNEMPLOYMENT INSURANCE SCHEME
Source: Pôle emploi, Unédic, Unédic forecast
Fields: unemployed people compensated by the Unemployment insurance
scheme, not in training, CRP, CTP, CSP, CVS data for the whole of France
2009 2010 2011 2012 2013 2014
2,500
4,000
5,500
1,000
2,000
3,000
DEFM A B C + DRE
Unemployed people compensated by the Unemployment
insurance scheme
in thousands
in thousands
JOBSEEKERS
REGISTERED WITH PÔLE EMPLOI
FORECAST
Source: DARES, Pôle emploi, Unédic forecast
-50
0
50
100
150
200
250
2009 2010 2011 2012 2013 2014
DEFM A - left-hand scale
DEFM ABC +DRE - right-hand scaleDRE - left-hand scale
DEFM B and C - left-hand scale
3,000
4,000
5,000
6,000
in thousandschanges in thousands
4,683,000 people received Unemployment Benefit (ARE) or Training Unemployment
Benefit (AREF) at least once in 2012.
2,421,570 PEOPLE IN RECEIPT OF BENEFITS
ON AVERAGE EVERY MONTH IN 2012.
A STABLE RATE FOR SEVERAL YEARS
The rate of coverage of jobseekers by the Unemployment Insur-
ance scheme is the proportion of jobseekers eligible for benefits
under the Unemployment Insurance scheme compared to all
the jobseekers registered with Pôle emploi. It includes the job-
seekers who have acquired rights to Unemployment insurance
even if they are not, momentarily, in receipt of benefits (in the
event of reduced activity, for example).
Between 2007 and 2011, the rate of coverage oscillated be-
tween 62% and 63%. At the end of 2012, it was close to 61%
taking into account the large proportion of jobseekers in re-
duced activity some of whom, in a given month, were not in
receipt of benefits when their activity exceeded the thresholds.
Source: FNA, raw data at the end of December 2012, mainland France.
* Jobseekers holding an acquired right to Unemployment insurance,
but not in receipt of benefits during the month.
UNEMPLOYED
PERSONS
COMPENSATED
BY THE
UNEMPLOYMENT
INSURANCE
SCHEME UNDER
UNEMPLOYMENT
BENEFIT (ARE)
2,305,300
“ELIGIBLE FOR BENEFITS*”
600,000
1,881,103
NOT COVERED
BY THE UNEMPLOYMENT
INSURANCE SCHEME
4,786,403
A, B, C END OF THE
MONTH (DEFM) +
EXEMPTED FROM
JOB SEARCH (DRE)
JOBSEEKERS
UNEMPLOYMENT INSURANCE COVERAGE:
61% OF JOBSEEKERS
3 out of 5 jobseekers
compensated by the Unemployment insurance scheme

GROWTH IN BENEFIT EXPENDITURE
The number of jobseekers required to actively seek
work, unemployed (category A), continually increased in
2012. This phenomenon is linked to the combined effect
of job losses and an increase in the active population. At
the same time, the number of unemployed people com-
pensated by the Unemployment insurance scheme con-
tinued to increase over the whole year. Thus, at the end
of December 2012, there were 2,262,000 unemployed
people compensated by the Unemployment insurance
scheme in France, i.e. an increase of +100,000 over the
year (CVS data for the whole of France). Benefits ex-
penditure increased by + 6.4% in a year.
DIVERSE UNEMPLOYMENT SITUATIONS,
DIVERSE JOBSEEKER PROFILES
In recent years, the growth in short and temporary con-
tracts has significantly changed the structure of the la-
bour market. It is characterised by the fragmentation of
activities and an increasingly frequent alternation be-
tween employment and unemployment. At the end of
2011, more than half of Unemployment insurance benefit
recipients registered after the termination of a fixed-term
contract or a temporary assignment. Every month, job-
seekers in reduced activity - who are working and looking
for a job in the same month - represent almost one in two
benefit recipients. Unédic identifies six groups of benefit
recipients with the same characteristics: 26.0% of peo-
ple made redundant after a full-time job; 23.2% of bene-
fit recipients from part-time work; 20.3% at the end of a
full-time fixed-term contract; 13.5% of temporary workers;
10.6% who made use of a contractual termination or a
voluntary redundancy and 3.7% of employees from the
entertainment industry.
IMPROVING READABILITY AND UNDERSTANDING
OF BENEFIT RULES
Given the diversity of jobseeker profiles, the social part-
ners must ensure the rules are adapted to the change in
the socio-economic needs of employees and companies.
Building on the agreement to modernise the joint man-
agement system of 17 February 2012, Unédic provides
for its meetings a half-yearly report on the difficulties of
applying the regulatory aspects of the convention on Un-
employment Insurance.
In this framework, Pôle emploi identifies the application
difficulties encountered by its employees. The joint prior-
ity work concerns the management of files of Unemploy-
ment benefit (ARE) recipients who alternate between
short periods of work and unemployment or who register
as jobseekers after losing one of the jobs carried out. It also
concerns the terms and conditions for accessing data and
the improvement of certain texts. The analysis will make it
possible to identify what lies within Unédic’s management
authorityandwhatrequiresachangeinregulationthrough
negotiation.
A WORK IN PROGRESS
This approach guarantees swift identification and anal-
ysis of difficulties. Forwarded to the social partners dur-
ing the convention negotiation phase, the reports also
supplement their dialogue to change the rules that stem
from the negotiation.
ADAPTING
to a more diverse
labour market
Compensation
Mayotte:
gradual alignment with regard to
the general unemployment
insurance scheme
On 26 October 2012,an agreement relating
to unemployment benefits in Mayotte was signed
by all of the employer organisations and CFDT,CFE-CGC,
CFTC and CGT-FO.It stipulates that the unemployment
insurance scheme,applicable in Mayotte from 2013,
is managed by Unédic.As a transitional step,the current
benefit rules are maintained.As of now,people at
the end of a fixed-term contract,who were excluded from
receiving the benefit,are taken into account.Gradually,
the entitlements will be aligned with the general scheme.

11
In 2012, Unemployment insurance beneficiaries received on
average 1,080 Euros net per month, i.e. 69% of their net refer-
ence salary. This replacement rate, namely the ratio between
the benefit and the salary previously received, increases or de-
creases according to the previous level of remuneration. Thus,
beneficiaries of the Unemployment insurance scheme compen-
sated on the basis of a minimum wage work reference (SMIC)
receive a monthly benefit payment equivalent to 78% of their
net reference salary. Furthermore, approximately a quarter of
Unemployment insurance scheme beneficiaries are compensat-
ed on the basis of part-time work references.Their replacement
rate is higher.Thus, the beneficiaries compensated on the basis
of part-time work references receive on average 77% of the net
reference salary compared to 68% for full-time.
In 2012, 90% of jobseekers received less than 2,000 Euros per
month in benefits.
REPLACEMENT RATE
69% OF THE NET REFERENCE SALARY PAID
+ 6.4% IN BENEFIT EXPENDITURE IN ONE YEAR
61%: AVERAGE SHARE OF ACQUIRED RIGHTS ACTUALLY USED
UNEMPLOYED PERSONS COMPENSATED BY AGE AND BY SEX
TEMPORARY WORKERSUNEMPLOYMENT BENEFIT
AND UNEMPLOYMENT BENEFIT TRAINING
60 AND OVER
55 TO 60
50 TO 55
45 TO 50
40 TO 45
35 TO 40
30 TO 35
25 TO 30
20 TO 25
UNDER 20
150,000
100,000
250,000
200,000
5,000
150,000
100,000
250,000
200,000
5,000
0
60 AND OVER
55 TO 60
50 TO 55
45 TO 50
40 TO 45
35 TO 40
30 TO 35
25 TO 30
20 TO 25
UNDER 20
20,000
10,000
20,000
10,000
40,000
50,000
30,000
0
Source: FNA, benefit recipients currently compensated as at 31/12/2012.
Raw data, whole of France.
DISTRIBUTION OF BENEFIT RECIPIENTS
AT THE END OF 2012 BY REASON FOR CONTRACT
TERMINATION
2 %
DEPARTURE FOR NO JUST REASON
38%
END OF FIXED-
TERM CONTRACT
OTHER
REDUNDANCIES
21 %
REDUNDANCY
FOR ECONOMIC REASONS
10 %
13 %
CONTRACTUAL
TERMINATION
END OF TEMPORARY
ASSIGNMENT
12 %
OTHER REASON
4 %
DISTRIBUTION OF EXPENDITURE IN 2012
Source: FNA, benefit recipients currently compensated as at 31/12/2012
Raw data, whole of France
BENEFITS
30.0 billion Euros
VALIDATION
OF PENSION POINTS
1.8 billion Euros
ASSISTANCE PACKAGES
1.0 billion Euros

INSTITUTIONAL
cooperation
for performance
Compensation
WITH A VIEW TO CONTINUOUSLY
IMPROVING THE SERVICE
RENDERED, COOPERATION
BETWEEN THESTATE, UNÉDIC AND
PÔLE EMPLOI IS ENHANCED.
Agreements structure the cooperation be-
tween Unédic and its operators. They organise
the terms for carrying out delegated assign-
ments and define the distribution of roles and
responsibilities. The direct relations between
the industry departments of each institution
are prioritised. Moreover, each agreement pro-
vides for regular committee meetings to mon-
itor, coordinate and manage the agreement in
force. Likewise, shared inspection and audit
procedures are agreed between Unédic and its
operators.
As main financier of Pôle emploi, Unédic sets
out the operator’s roadmap with the State. A
multi-annual tripartite agreement establishes
Pôle emploi’s priorities in terms of compensa-
tion, jobseeker support, service offering to com-
panies, return to work, etc. These guidelines are
monitored by indicators. All the services dele-
gated by Unédic are also assessed.
.
ONE YEAR OF THE TRIPARTITE AGREEMENT
BETWEEN THE STATE, UNÉDIC AND PÔLE
EMPLOI
The State, Unédic and Pôle emploi signed the
multi-annual tripartite agreement on 11 January
2012. They intend to incorporate Pôle emploi in a
further phase of its development for the benefit
of jobseekers and companies.
On the one hand, it is about going further in en-
hancingandadaptingitsserviceoffering,and,on
the other hand, about continuing to take steps
towards reorganisation, in order to increase the
number of employees in contact with the public.
With the aim of promoting jobseekers’ access or
return to work, three priorities are established at
Pôle emploi. The establishment is called upon to
customise its service offering, to develop strong-
er links with local communities and to continue
the effort to optimise resources.
A NEW UNÉDIC/PÔLE EMPLOI BIPARTITE
AGREEMENT
On 21 December 2012, Unédic and Pôle emploi
signed an agreement relating to service dele-
gations and institutional cooperation. The text
reasserts the objectives established by the
multi-annual State/Unédic/Pôle emploi agree-
ment. It also engages in a process of enhanced
cooperation between both institutions for the
benefit of an effective implementation of the
arrangements delegated to Pôle emploi.
A continuous
improvement process
Within the framework of its multi-annual audit
plan, Unédic conducts audit assignments alone
or with Pôle emploi on the process of paying benefits
to jobseekers: quality of data entry having an impact
on the calculation of entitlements, application of
regulations, monitoring of processes against fraud
and undue payments. In 2012, the rate of benefit
recipient files without anomalies was 90.09%,
up slightly on 2011. It is below the target of 92%.

13
PURSUANT TO THE CONVENTION ON UNEMPLOYMENT
INSURANCE, THE LOCAL SOCIAL PARTNERS, CONVENED
IN JOINT REGIONAL BODIES (IPR), HAVE THE JURISDIC-
TION TO RULE ON THE INDIVIDUAL CASES OF JOBSEEK-
ERS OR EMPLOYERS FOR WHOM AN INDIVIDUAL REVIEW
IS NECESSARY.
119,396INDIVIDUAL CASES PROCESSED
34.83%
41,586
VOLUNTARY REDUNDANCIES
0.89%
1,056
OTHER
(total unemployment
without termination
of employment contract,
increased payments etc.)
OVERPAYMENTS
55,163
46.20%
ASSESSMENT OF
CERTAIN ELIGIBILITY
CONDITIONS
21,591
18.08%
119,396
CASES
PROCESSED
TOTAL FOR
THE WHOLE OF
FRANCE
Enhanced efforts to combat
increasing fraud
The fight against Unemployment Insurance benefit fraud has
identifiedfraudulentsituationsamountingto76millionEuros,
37 million Euros of which fraud were avoided. Implemented
by Pôle emploi, the strengthening of arrangements to prevent
and combat fraud has increased the number of detections
by 22.6%. The two main mechanisms for fraud concern
undeclaredperiodsofwork(30.2%)andfictionaljobsandfalse
employer attestations (16.3%).
UNEMPLOYMENT INSURANCE
SCHEME ACTIVITY IN 2012
2011 2012 Change over
a year
ARE AND CRP/CT/CSP
FILES
8,249,291 8,139,967 -1.3%
ADMISSION DECISIONS 2,194,917 2,290,222 4.3%
FIRST PAYMENTS
ON ADMISSIONS /
READMISSIONS
2,300,211 2,414,124 5.0%
PAYMENT STOPPAGES 3,492,902 3,524,581 0.9 %
for return to work 725,211 682,369 -5.9 %
for failure to update 544,329 540,801 -0.6 %
for end of entitlements 1,071,422 1,147,399 7.1 %
Source: STMP.
Field: Whole of France, raw data.
The Joint Regional Bodies (IPR) correspond to the local
manifestations of the social partners who manage the
Unemployment insurance scheme. They ensure the Unem-
ployment insurance convention is properly applied within this
framework and they are called upon to rule on the individual
situations of jobseekers applying for Unemployment insurance
benefits. They participate on a regional level in labour policy
both during its development and for its monitoring.
ACTIVITY OF THE JOINT
REGIONAL BODIES
THESE INDICATORS ARE MONITORED REGULARLY
DURING COORDINATION COMMITTEES CONVENED
BETWEEN UNÉDIC AND PÔLE EMPLOI.
The Unédic/Pôle emploi bipartite agreement of 21 December
2012 sets out the assignments of both organisations and their
procedures for carrying out these assignments by insisting
on institutional cooperation. It also places emphasis on the
monitoring of Pôle emploi’s performance in implementing
the arrangements delegated to it. Five indicators are the
focus of particular attention. Four of them make it possible
to measure Pôle emploi’s performance in implementing the
benefit payment assignment:
- the rate of decisions in fewer than 15 days;
- the rate of first payments on time;
- the rate of quality of handling benefit applications;
- the rate of recovery of overpayments.
The status of these indicators reflects continued service qual-
ity in a context of an increased workload; the current work
with Pôle emploi and the “benefit payment” project of the
2015 Pôle emploi plan must make it possible to improve these
results.
Annual average
in 2012
RATE OF DECISIONS IN FEWER THAN 15 DAYS 93.9%
RATE OF FIRST PAYMENTS ON TIME 89.4%
RATE OF RECOVERY OF OVERPAYMENTS 69.3%
TRATE OF QUALITY OF HANDLING BENEFIT
APPLICATIONS
90.6%
PERFORMANCE MEASUREMENT INDICATORS
OF COMPENSATION BY PÔLE EMPLOI
Source: Pôle emploi - internal audit

Find all of the rules for compensation on unedic.fr
COMPENSATION OF JOBSEEKERS
JOB LOSS
CONDITIONS TO BE MET TO QUALIFY FOR BENEFITS
Involuntary
job loss
The
Unemployment
insurance scheme
compensates
a loss
Length
of affiliation
One must
have contributed
to the scheme
to benefit
from it
Registration Job
search
The unemployed
person
must be a
jobseeker
Physical
aptitude
The jobseeker
must be able
to take up
employment
AGE
retirement
age at full
rate
Residency
The
Unemployment
insurance
scheme applies
across French
territory
RECEIVING BENEFITS AND RETURNING TO WORK
RETURNING TO WORK
WHILE RECEIVING BENEFITS
RETURN TO WORK AFTER
INTERRUPTION IN BENEFIT PAYMENT
If the new job is lostIncentive to return to work by combining
benefits with a salary
Maximum accumulation period = 15 months
The benefits must remain a replacement
income and not additional income
Resumption
of entitlements
Threshold conditions
If affiliation insufficient
If remaining
entitlements are not
forfeited
Activity retained
Total accumulation
The activity must not exceed 110 hours/
month and 70% of the former salary If affiliation sufficient
and other entitlement
eligibility conditions
fulfilledActivity taken up
Partial accumulation
Readmission
Rules of application
STARTING POINT FOR RECEIPT OF BENEFITS
A waiting period
of 7 days in all cases.
A paid holiday deferral
if the employer paid the compensatory
paid holiday benefit.Principle of
non-accumulation of 2 incomes over
the same period of unemployment
A specific deferral (max. 75 days)
if the employer paid severance indemnities
in excess of or different from those
established by law.Deferral associated
with the severance and not the ordinary
performance of the employment contract
Calculation of the number of days before payment of benefits
ENTITLEMENT TO BENEFITS
DURATION OF BENEFITS BENEFIT AMOUNT
Information taken into account for the calculation
Reference salary
calculated on the basis
of former salaries
subject to contributions,
up to 12 months
preceding the last day
worked and paid
= any periods of work
under contract
(even suspended)
- days’ absence
Days of employment
A minimum
4 months’ affiliation
Affiliation sought within 28 months
preceding the end of the employment contract
One principle
1 day’s affiliation
1 day’s benefit
A limit
730 days
Formula
Reference salary
Number of days of employment in the company
DRS =
Calculation of the number of days eligible for benefits Calculation of the daily reference salary (DRS)

15
ENCOURAGING
AND PROMOTING
STAYING IN
AND
RETURNING
TO WORK
With arrangements such as Reduced activity or Assistance for
the takeover or creation of a company, jobseekers stay in touch
with the labour market and thereby increase their chance
of returning to sustainable employment.

STAYING
in touch with
the labour market
Assistance packages and incentives
What is the Return-to-work measure
in the event of reduced activity?
Benefit recipients have the option of combining remuneration
from an activity with unemployment benefits.
In fact, jobseekers are aware of the importance of staying in
the labour market and acquiring new professional experience.
Taking up one or more part-time or short-term jobs,
while continuing to be in receipt of benefits, is a springboard
to employment and makes it easier to access long-term
contracts.
AMONG THE INCENTIVE
ARRANGEMENTS, REDUCED ACTIVITY
AFFECTS ONE IN TWO JOBSEEKERS
In order to make their return to work easier,
Unemployment Benefit (ARE) beneficiaries
can use their benefits in the form of assistance
packages awarded according to their specific
situation. The three arrangements provided for
this purpose are Assistance for the takeover
or creation of a company (ARCE) in the form
of capital paid in two instalments, the option
to combine, under certain conditions, unem-
ployment benefits with a salary, and, finally, the
Compensatory allowance upon redeployment
(ADR) in the event of taking up a job that is less
well paid than the previous one. In addition to
these arrangements that it finances directly, the
Unemployment insurance scheme also contrib-
utes to assistance packages that are accessible
to all jobseekers, whether compensated by the
Unemployment insurance scheme or not. This
contribution is made as part of its contribution
to the financing of Pôle emploi. This financing,
amounting to 10% of contributions to the Un-
employment insurance scheme, represents ap-
proximately 3 billion Euros per annum.
REDUCED ACTIVITY FULFILLS ITS
OBJECTIVE OF PROMOTING THE RETURN
TO WORK
Reduced activity is one of the incentive ar-
rangements for the return to work. It makes it
possible, under certain conditions, to combine
partially in a given month income from an activ-
ity taken up or retained with benefits in respect
of the activity lost.
In 2012, Unédic conducted a survey of a sample
of 2,000 people who were in reduced activity in
the 2nd
quarter of 2011. Over this period, 1.1 million
benefit recipients on average were affected by
reducedactivity.51.7%ofthesebenefitrecipients
effectively benefited from the partial combina-
tion of a salary with benefits. Those who were
not in receipt of benefits worked more than 110
hours or received an income in excess of 70% of
the income they earned in the job that they lost.
Benefit recipients who carried out a reduced
activity in 2011 stand out from all the Unemploy-
ment insurance benefit recipients. Women are
more strongly represented, particularly those
aged 50 or over. More often taken on following
the loss of a fixed-term contract or at the end
of a temporary assignment, the benefit recipi-
ents who had carried out a reduced activity in
2011 also have slightly fewer qualifications. The
survey also highlights the effects on the return
to sustainable employment. Thus, a few months
after the period of reduced activity, 61.4% of
benefit recipients were in work. Jobs usually de-
scribed as “sustainable” (permanent contract or
fixed-term contract of 6 months or more) repre-
sent 49.8% of the jobs found by the jobseekers
in reduced activity and 75.4% of those found by
people who were no longer jobseekers.

17
%
of people in reduced activity found out about the combination option at the time they exercised it
58.8
One in 2 people
in reduced activity
compensated by the
Unemployment insurance scheme
PATHWAY OF THOSE SURVEYED:
FROM THE JOB HELD BEFORE THEIR PERIOD
OF REDUCED ACTIVITY TO THE JOB FOUND
AFTER THE REDUCED ACTIVITY
Source: Unédic (“Reduced activity” survey of February 2012); National file of
benefit recipients (Unédic/Pôle emploi).
Field: individuals who were jobseekers compensated by the Unemployment in-
surance scheme and in reduced activity during the 2nd half of 2011, and who
were in work (excluding reduced activity) in February 2012. Excluding nurs-
ery school assistants and those individuals surveyed who hold another type
of contract.
THE JOBS OF INDIVIDUALS LEAVING REDUCED ACTIVITY
WERE COMPARED WITH THE JOBS THEY LOST WHICH HAD
GIVEN RISE TO THE RIGHT TO BENEFITS FROM THE 2ND
QUARTER OF 2011.
ON THE ONE HAND, 65% OF THOSE INDIVIDUALS WHO
USED TO HOLD A PERMANENT CONTRACT FOUND ANOTH-
ER PERMANENT CONTRACT AFTER THEIR REDUCED ACTIV-
ITY. THE REMAINING 35% HOLD A FIXED-TERM CONTRACT
(26%) OR A TEMPORARY CONTRACT (9%).
ON THE OTHER HAND, 43% OF THOSE INDIVIDUALS PREVI-
OUSLY IN A TEMPORARY POST HELD A PERMANENT CON-
TRACT AT THE TIME OF THE SURVEY.
26%
35%
22%
9%
43%
9%
Fixed-term
contract
56%
Temporary
35%
65%
Permanent
contract
In 2011,
benefit recipients on average were affect-
ed by reduced activity. 51.7% of them bene-
fited from the combination of a salary with
benefits.
REDUCED ACTIVITY LARGELY
PERCEIVED AS USEFUL
OF JOBSEEKERS
QUESTIONED
think that reduced activity gave them at
least one advantage, primarily proximity
to the labour market and the acquisition
of professional experience.
POSITIVE MOTIVATIONS FOR
CARRYING OUT A REDUCED ACTIVITY
62.0% of benefit recipients who carried
out a reduced activity think of this job as
a means of developing their professional
experience.
RATHER ENCOURAGING EFFECTS
IN TERMS OF A SUSTAINABLE
RETURN TO WORK
61.4%
OF THOSE SURVEYED
ARE IN WORK OF WHICH
ARE NO LONGER
JOBSEEKERS
26.3%
MILLION1.1
%
96.7

PACKAGES TO ASSIST IN THE RETURN
TO WORK SUPPLEMENT BENEFITS BY
PROVIDING INCENTIVES TO RETURN
TO WORK. WITHIN THIS FRAMEWORK,
IMPROVED JOB SECURITY CONTRACT
(CSP) FOR EMPLOYEES MADE
REDUNDANT FOR ECONOMIC
REASONS AND ASSISTANCE FOR
THE TAKEOVER OR CREATION OF A
COMPANY (ARCE) ARE THE SUBJECT
OF SIGNIFICANT INVESTMENTS.
ONE YEAR OF THE IMPROVED JOB
SECURITY CONTRACT (CSP)
The purpose of the Improved job security con-
tract in favour of employees made redundant
for economic reasons is to allow for the rede-
ployment of these employees.
The CSP concerns employees affected by a
redundancy procedure for economic reasons
undertaken between 1 September 2011 and 31
December 2013. The arrangement makes it
possible to benefit, for 12 months, from a num-
ber of measures aimed at speeding up the re-
turn to work: individual and customised moni-
toring by a specific mentor, benefits (improved
job security benefit) with no waiting period or
deferred benefits, and social protection.
Companies that must offer the CSP to their
employees for whom they are considering a
redundancy procedure for economic reasons,
are companies with fewer than 1,000 employ-
ees and companies in compulsory receivership
or liquidation, irrespective of the number of
their employees. As for companies with more
than 1,000 employees, they must implement
the provisions of redeployment leave.
LASSISTANCE FOR THE TAKEOVER
OR CREATION OF A COMPANY:
RELEVANT TO COMBAT UNEMPLOYMENT
Assistance for the takeover or creation of a
company is a simple arrangement that enables
any benefit recipient eligible for ACCRE to re-
ceive half of the unemployment benefits still
available to him/her in 2 instalments spaced 6
months apart (€11,000 on average). If the ac-
tivity of the created company stops, the job-
seeker may subsequently receive the remain-
der of his/her benefits if he/she re-registers
with Pôle emploi.
This method of activation of unemployment
benefits developed strongly between 2006
and 2010, from 19,000 beneficiaries to almost
82,000. The corresponding amounts increased
from 112 million Euros to almost 1 billion over
the same period.
WHO ARE THE BENEFICIARIES OF ARCE?
70% of beneficiaries are men. 62% of them are
between 30 and 50. Their share is higher than
the average for unemployed people in receipt
of benefits in the Southern regions (Rhône-
Alpes, PACA, Midi-Pyrénées, Aquitaine). The
majority are unemployed as a result of a redun-
dancy or a contractual termination.
Out of the 56,000 beneficiaries who received
the first payment in 2007, 96% received the
second 6 months later. In total, since then, only
19% have re-registered. Therefore, 3/4 of those
who received the first payment are no longer
registered as unemployed.
In 2013, a survey was conducted with 2,000
beneficiaries to learn about what has become of
them and their perception of the arrangement.
ENCOURAGING
the return to work
Assistance packages and incentives

80,260 CSP beneficiaries on average in 2012
1.2 billion Euros paid in respect of the CSP
0.44 billion Euros in contributions paid by employers
On average, in 2012, new CSP/CRP/CTP claimants represented almost 54% of new
benefit claimants after redundancy for economic reasons.
THE IMPROVED JOB SECURITY CONTRACT (CSP) IN 2012
ASSISTANCE FOR THE TAKEOVER OR CREATION
OF A COMPANY
BENEFICIARIES OF ARCE
BY AGE GROUP (%)
Field: beneficiaries of ARCE in receipt of ARCE for the first time in 2012. Source: National file of benefit recipients, Unédic calculations.
BENEFICIARIES OF ARCE
BY SEX
29.0%
71.0%10.6 9.3 24 .818 .7 36.6
FROM 25
TO 29
UNDER
25
OVER
50
FROM 30
TO 39
FROM 40
TO 49
BENEFICIARIES OF ARCE BY LEVEL
OF GENERAL TRAINING ACHIEVED (%)
Field: benefit recipients in receipt of ARCE for the first time.
Source: National file of benefit recipients, Unédic calculations.
PRIMARY SCHOOL LEAVING
CERTIFICATE (CEP) LEVEL
0.8%
ADVANCED DIPLOMA LEVEL
(elementary, French certificate
of general education, BEPC)
4.5%
CAP/BEP LEVEL
37.8%
BACCALAUREAT LEVEL
(general, technological or
vocational, advanced diploma)
22.0%
BAC+2 LEVEL (DUT,
BTS, primary teacher,
DEUG, paramedical
or social diplomas)
16.3%
≥ BAC+3 LEVEL
(degree, grandes
écoles (prestigious
French educational
establishments)
16.7%
NO QUALIFICATION
1.9%
€ 857.0MILLION
paid in Assistance for the takeover
or creation of a company.
The amount of ARCE is equal to
45% of the remaining amount of
entitlements.
66,215BENEFICIARIES
OF ARCE IN 2012
19

Source: National file of benefit recipients, Unédic calculations. Field: Whole of France
AMONG THE NEW CLAIMANTS: SHARE OF CSP
IN ALL THOSE MADE REDUNDANT FOR ECONOMIC REASONS
The Assistance packages to
return to work are mobilised
as part of the Personalised Plan
for Accessing Employment
(PPAE).The plan is put in place
after the assessment of the
prospects for redeployment of
jobseekers in receipt of benefits.
ENHANCED
SUPPORT
MEASURES
Jan.-12 Feb.-12 Mar.-12 Apr.-12 May-12 June-12 July-12 Aug.-12 Sept.-12 Oct.-12 Nov.-12 Dec.-12
0
5,000
10,000
15,000
20,000 CRPCSPARE
The national interprofessional agreement of 11 July 2011 has
put in place, since 15 March 2012, an exceptional financial sup-
port arrangement for young people who have been recruited.
This arrangement is aimed at young people under 26 entering
employment (CDI, CDD, apprenticeship contracts, professional,
CUI/CUE) and its aim is to help them cover the costs they face
before receiving their first pay packet. This assistance, financed
by the Unemployment insurance scheme,is implemented by Pôle
emploi, the Missions locales (access points for employment and
social services) and APEC.
SUPPORT TO STAY
IN WORK FOR THE UNDER 26’S
TRAINING UNEMPLOYMENT BENEFIT
(AREF)
COMPENSATORY ALLOWANCE UPON
REDEPLOYMENT (ADR)
In 2012, 6 months after the training programmes re-
quired by Pôle emploi, 31.3% of outgoing jobseekers
had found a sustainable job. The objective set for this
year at Pôle emploi in the tripartite agreement is 38.6%.
When a beneficiary of ARE accepts a salaried job whose
remuneration, for the same working hours, is lower by
at least 15% of his/her previous job, the salary difference
may be paid to him/her on a monthly basis in the form of
an allowance.
Unédic pays close attention to the training of jobseekers
in order to seek optimal conditions for its efficacy.
JOBSEEKERS BENEFIT
FROM ADR OVER
THE YEAR7,500
50.5 million Euros paid in respect of ADR.
Over 2012, approximately 3 out of 4 beneficiaries were
50 or over:
• Approximately 1/3 of ADR beneficiaries were between
50 and 54 and almost 35% were in the 55-59 age group.
• Beneficiaries of 60 or over represented approximately
4%.
JOBSEEKERS BENEFITED
FROM TRAINING
UNEMPLOYMENT BENEFITS76,300on average every month in 2012, as part of a training
programme required by Pôle emploi.
spent on the support arrangement of the National
interprofessional agreement (ANI) for young people4.4MILLION
LONG-TERM REDUCED ACTIVITY
28.3 million Euros paid for long-term reduced activity.
Senior citizens were the main beneficiaries of this assis-
tance.
PAID IN TRAINING
UNEMPLOYMENT
BENEFITS€ 1 billion
€

21
ENSURING
THE FINANCING
OF
BENEFITS
AND ASSISTANCE
Unédic guarantees the financing of the Unemployment insurance scheme.
In addition to the recovery of contributions, it has recourse to
a borrowing programme, in order to guarantee the payment of benefits.

SUPPLEMENTING CONTRIBUTIONS COLLECTED
WITH MANDATORY LOANS ENABLES UNÉDIC
TO GUARANTEE THE COMPENSATION OF
JOBSEEKERS
CONTRIBUTIONS UP SLIGHTLY IN 2012
Private sector employers, those from the public sector who
signed up to the Unemployment insurance scheme and
their employees are obliged to pay a contribution to the
Unemployment insurance scheme to insure themselves
against the risk of job loss. The employers’ rate of contri-
bution is 4% and that of employees is 2.4%, i.e. 6.4% in total.
They apply to salaries limited to 4 times the Social security
upper limit. In 2012, operators collected 32.4 billion Euros
for Unédic compared with 31.7 billion Euros in 2011, i.e. a
2% increase. Urssaf agencies are primarily responsible for
recovery with 29.3 billion Euros, while other organisations
with a geographical or professional competence, such as
Pôle emploi, the CCMSA, the CCVRP, the Central Social
Security Funds of Monaco and Saint-Pierre et Miquelon or,
furthermore, Acoss in respect of specific arrangements,
collected 3.1 billion Euros.
The contributions finance unemployment benefits (30 bil-
lion Euros), the validation of jobseekers’ pension points (1.8
billion Euros) and Return-to-work assistance (973 million
Euros). 10% of contributions are used to finance the Pôle
emploi budget.
The slowdown in the growth of the wage bill and the in-
crease in the number of jobseekers to be compensated
increased Unédic’s indebtedness by 2.8 billion Euros over
the year. Thus, at the end of 2012, net indebtedness stood
at 13.8 billion Euros, compared with 11.0 at the end of 2011.
SECURING RECOVERY
To ensure the recovery of Unemployment insurance con-
tributions on behalf of Unédic, Acoss has a security plan
linked to its internal auditing and monitoring plan jointly
with Unédic. The recommended audits primarily concern
the quality of the employers’ administrative file, the qual-
ity of the recovery and the detection of anomalies. Rec-
ommendations are made to Acoss in terms of combating
fraud in order to target certain types of employers who
file returns.
ADDITIONAL FINANCING THROUGH
THE LOAN GUARANTEES THE PAYMENT
OF BENEFITS
Unédic’s financing requirements are anticipated by the
financial break-even point forecasts every quarter. The
Board of Directors approved a programme of bond issues
for 2012 guaranteed by the State of 7 billion Euros. It is 5
billion for 2013 with a cumulative deficit estimated at 18.5
billion at the end of 2013.
The financial break-even point for the coming years shall
be defined within the framework of negotiations on the
Unemployment insurance convention that must take place
before the end of 2013. Since the implementation of the
Unemployment insurance scheme in 1958, the social part-
ners have thereby regularly adapted the rules relating to
Unemployment insurance and guarantee its ability to meet
both economic and social needs.
GUARANTEEING
the payment of benefits
Revenue and financing
A major project:
the Déclaration sociale nominative
(identified payroll tax return) (DSN)
The Déclaration sociale nominative (identified payroll
tax return) is a major project to simplify and standardise
company procedures. It is aimed at bringing together, in
a single paperless transmission, all the individual social
information and data of employees in France for all social
protection organisations. It is a significant advantage for
companies in terms of administrative and social procedures
and declarations. For Unédic, the main challenge consists
in ensuring that future declarations secure rights to
Unemployment insurance for employees who are going to lose
their job. 2012 was given over to preparing the pilot phase
launched in 2013 with volunteer companies.The DSN project
requires a considerable level of coordination and commitment
of all social protection partners. Unédic and Pôle emploi are
jointly monitoring the employment aspect of the project.

23
WAGE BILL AND CONTRIBUTIONS
TO THE UNEMPLOYMENT INSURANCE SCHEME
Source: Acoss, Pôle emploi, Unédic, Unédic Forecasts
2009 2010 2011 2012 2013
-2
-1
0
1
2
3
4
5 Wage bill Contributions
year-on-year in %
CHANGE IN CASH BALANCE OF THE UNEMPLOYMENT
INSURANCE SCHEME
Source: Unédic, Unédic calculations
2013 201420092007 2008 2010 2011 2012
-27
-18
-9
0
9 Balance = Revenue - Expenditure
Net banking indebtedness
billions of Euros
3.1 billion Euros recovered by the other operators in-
cluding Pôle emploi, the CCMSA and Acoss for the
specific arrangements.
29.3BILLION
RECOVERED BY ACOSS
€
Account
certification
challenges
Account certification ensures opti-
mum transparency for third parties,
and particularly for contributors.
Account certification is a primary
objective for Unédic, which appears
before the financial markets to obtain
the necessary funding to ensure pay-
ment of benefits.
In a context of delegation of Unem-
ployment insurance tasks to operators
(Pôle emploi, Acoss, CCMSA etc.), the
terms for obtaining this certification
have been significantly altered. Cer-
tification requires an efficient collab-
oration between the organisations to
define Unédic’s needs, but also those
of the certifiers, the French Accounting
Court and the Auditors, to provide the
assurances required for the expression
of the auditors. In this regard, the spe-
cific work carried out with Acoss and
Urssaf in 2012 should help promote
continued certification of their incom-
ings and outgoings for the coming
years.
The 12 billion euro EMTN programme
has been increased to 14 billion
Euros. It enables Unédic to maintain
the responsiveness required for
its future bond issues. Five issues
carried out in February,April and
May 2012 made it possible to raise
6.5 billion Euros with maturities
of 3 to 7 years.
THE BORROWING
PROGRAMME

WHO ARE THE RECIPIENTS
OF UNEMPLOYMENT INSURANCE?
THE POPULATION OF JOBSEEKERS IN RECEIPT OF
BENEFITS REPRESENTS A DIVERSITY OF CIRCUM-
STANCES AND REFLECTS THE CHANGE IN THE LA-
BOUR MARKET. IN FACT, THIS MARKET HAS CHANGED
BEYOND MEASURE IN RECENT YEARS WITH A CON-
SIDERABLE INCREASE IN SHORT-TERM AND PART-TIME
CONTRACTS AND REDUCED-ACTIVITY.
THE PROFILE OF BENEFIT RECIPIENTS REFLECTS
THIS GROWING DUALITY IN THE LABOUR MARKET BE-
TWEEN SHORT AND LONG-TERM CONTRACTS.
1 out of 2 jobseekers
registers with Pôle emploi after the termination of a fixed-term contract
(CDD) or a temporary assignment.
DISTRIBUTION OF BENEFIT RECIPIENTS BY LEVEL OF QUALIFICATIONS (%)
Source: National file of benefit recipients (Unédic/Pôle emploi). Outstanding benefits as at 31/12/2011 observed with 6 months of decline.
Field: benefit recipients compensated by the Unemployment insurance scheme, whole of France.
RATIO OF NET COMPENSATION TO NET SALARY
BY REFERENCE SALARY GROUP
Source: National file of benefit recipients (Unédic/Pôle emploi). Outstanding benefits as at 31/12/2011 observed with 6 months of decline.
Field: benefit recipients compensated by the Unemployment insurance scheme, whole of France.
Note for the reader: 5% of benefit recipients receive less than 500 Euros and have a ratio of net compensation to net salary of 92%.
0%
20%
40%
60%
80%
100%
Number of beneﬁciaries
Compensation/reference salary ratio
Less
than
€
500
from
€
500
to
€
750
from
€
750
to
€
1,000
from
€
1,000
to
€
1,250
from
€1,250
to
€1,500
from
€
1,500
to
€
1,750
from
€
1,750
to
€
2,000
from
€
2,000
to
€
2,250
from
€
2,250
to
€
2,500
from
€
2,750
to
€
3,000
from
€
2,500
to
€
2,750
from
€
3,000
to
€
3,250
from
€
3,250
to
€
3,500
from
€
3,500
to
€
3,750
from
€
3,750
to
€
4,000
M
ore
than
€
4,000Average ratio 69%
in thousands
0
100
200
300
400
500
600
BAC+5 or more BAC+3 and +4 BAC +2 BAC CAP, BEP Secondary school BAC
18.6%
41.5%
5.3%
5.5%
10.9%
18.3%
18%
5.4%
7.8%
13.6%
23%32.2%
TOTAL
18.3%
5.3%
6.6%
12.2%
20.6%
36.9%

25
GUARANTEEING
THE QUALITY
OF THE SERVICE
PROVIDED
Unédic guarantees the performance of the Unemployment insurance
scheme and the managerial autonomy of the social partners. It offers
them decision-making support and facilitates collective bargaining.

Since 1958, the law has entrusted the social
partners with the responsibility of manag-
ing the Unemployment insurance scheme
in France. They play two separate but com-
plementary roles. Firstly, the social partners
(Medef, CGPME and UPA for employers, and
CFDT, CFE-CGC, CFTC, CGT and CGT-FO for
employees) have the responsibility of de-
termining through negotiation the amount
of contributions, the rules of compensation
(eligibility conditions, amount and duration
of the payment of benefits) and the type of
different assistance packages for benefit re-
cipients. Secondly, the responsibility of their
representatives on the Unédic Board of Direc-
tors is to manage the Unemployment insur-
ance scheme, that is to say, to ensure the re-
covery of contributions from companies and
the compensation of jobseekers according
to the rules defined during the negotiation.
The Unédic Board of Directors is appointed
for two years. It is made up of an “employees”
board and an “employers” board each com-
prising 25 members. This Board of Directors
elects the Joint management system board,
made up of 10 members, which ensures the
operational functioning of Unédic. The latter
is an independent association under the law of
1901, and therefore an organisation under pri-
vate law. Its mission is to ensure that the Un-
employment insurance convention is applied
and to manage the financing of the scheme.
FOUR MISSIONS FOR UNÉDIC
Unédic lays down the unemployment benefit
rules decided by the social partners, oversees
their implementation, produces the forecasts
required to manage them, and the studies to
supplement the joint debate and continue to
develop the Unemployment insurance sys-
tem. Unédic ensures the benefits are financed
under the best possible conditions.
It is positioned at the centre of a network of
operators: in terms of contributions, it mainly
entrusts Urssaf agencies (managed nationally
by Acoss) with collection, which fulfill the re-
covery mission on its behalf. In terms of com-
pensating jobseekers, it delegates to Pôle
emploi the mission of calculating and paying
the benefits according to the rules of the Un-
employment insurance convention. Unédic
carries out its missions for the performance
of the Unemployment insurance scheme, for
the benefit of employees, companies and job-
seekers, by ensuring the operators apply the
rules and provisions decided on by the social
partners at the time of negotiation in direct
cooperation with them.
UNÉDIC ENHANCES THE TRANSPARENCY
OF GOVERNANCE AND MANAGEMENT
On 17 February 2012, the social partners en-
tered into a National interprofessional agree-
ment (ANI) on the modernisation of the joint
management system. This agreement reas-
serts the aim of joint management: to guar-
antee the quality of the service rendered to
the end beneficiaries and to facilitate collec-
tive bargaining between the social partners.
Some of the measures created include: an
audit and account preparation committee,
a committee responsible for appointing the
senior executives of Unédic and setting their
remuneration, public summaries of the main
decisions of the Unédic Board, the quarterly
presentation to the Board of facts and figures.
It should be noted that since 2013 Unédic
has assumed responsibility for the techni-
cal and legal training of its newly appointed
administrators.
Joint management
ORGANISING
a balanced and concerted management
of the Unemployment insurance scheme

27
UNÉDIC MEASURES THE IMPACTS
AND EFFECTIVENESS OF THE
ARRANGEMENTS AND SHARES
ITS INFORMED ANALYSES WITH
STAKEHOLDERS IN EMPLOYMENT.
UNÉDIC CONTRIBUTES TO
THE LABOUR AND EMPLOYMENT
MARKET STAKEHOLDERS’ DEBATE
Unédic is in a position to enlighten all stakehold-
ers and observers about the changes in the la-
bourmarket.Throughitsinitiativesandthestud-
ies that it conducts, Unédic contributes to the
virtuous circle of improving the Unemployment
insurance scheme, by explaining the meaning
of its initiatives and by regularly sharing its in-
formation on the system’s performance. During
2012, Unédic responded to requests for infor-
mation from the National Assembly, the Senate,
the Economic and Social Council, the French
Accounting Court, the OECD and numerous
French and foreign institutional and profession-
al stakeholders. In total, more than 70 meetings
and hearings took place on issues as varied as
competitiveness and investment, vocational
training and youth employment.
A PARTNERSHIP WITH THE CHAIR
OF IMPROVED CAREER PATH
SECURITY
The Unédic Board signed a partnership with
the Chair of Improved Career Path Security on
24 October 2012. Made up of a multi-discipli-
nary team of researchers from Sciences-Po,
Ensae and CREST, this chair carries out work in
cooperation with the world of research on the
themes of work and employment.
Through this partnership, Unédic wants to get
involved in original long-term research and
have syntheses on themes linked to Unemploy-
ment insurance and changes in the labour mar-
ket. It is also an opportunity to offer the com-
munity of researchers subjects closely related
to Unédic’s concerns such as the improvement
of knowledge and the analysis of duality in the
world of work.
UNÉDIC
and its environment
Providing and sharing insights into
employment and unemployment
In 2012, Unédic conducted several studies and shared the
results with partners, experts, parliamentarians and journalists.
Reduced activity was a significant study theme in 2012 insofar
as it affects almost one in two jobseekers. Unédic would like to
devote a survey to this ever-increasing phenomenon. The social
partners’ objective was achieved: the combination option enables
jobseekers who carry out a reduced activity to better redeploy
themselves in employment than the average jobseeker.
Moreover, a European comparison of unemployment insurance
systems highlights the differences between 12 countries in terms
of access to benefits, duration, amount and method of calculating
entitlements.While 4 months’ work is required in France in order
to receive benefits, Luxembourg and The Netherlands demand
6 and several other States 12. The duration of benefits can reach
38 months in The Netherlands, 24 months in Denmark, between
24 and 36 months in France and a maximum of 12 months in
Italy and Ireland. All countries impose a cap on the amount of
benefits. Three mornings with the Association of Social Infor-
mation Journalists (Ajis) also made it possible to discuss these
studies and the record of Gaby Bonnand and short-time working
in France.
The results of these studies are available on unedic.fr.

The unedic.fr website has been completely overhauled in or-
der to offer reference sources on Unemployment insurance
in France. It allows easy access to Unédic’s resources and
expert reports. Thus, since September 2012, the website has
had an enhanced design to make it easier to look for and
access information in different formats. It offers swift access
to Unemployment insurance conventions, agreements and
circulars, to financial forecasts and European comparisons.
It offers educational formats: animated graphics, key fig-
ures, videos, computer graphics and exportable publica-
tions. The press section also plays host to news, a diary, me-
dia resources and files also available on Twitter, Google+,
Vimeo and YouTube.
UNEDIC.FR,A WEBSITE DEDICATED
TO INFORMATION ON UNEMPLOYMENT INSURANCE
THE UNÉDIC BOARD IS RESPONSIBLE FOR MANAGING
THE UNEMPLOYMENT INSURANCE SCHEME
THE UNÉDIC BOARD
Since February 2012, the Board, appointed by
the Board of Directors, has been presided over
by Mr Jean-François Pilliard for Medef. Ms Pa-
tricia Ferrand, CFDT, is the Vice-President. The
presidency alternates every two years between
an employers’ representative and an employees’
representative. Made up of 10 members drawn
equallyfromemployers(Medef,CGPMEandUPA)
and employee trade unions (CFDT, CGT, CGT-FO,
CFTC, CFE-CGC), it meets every month. At the
end of each meeting, a public summary has been
posted online on unedic.fr since February 2013.
The Unédic Board is responsible for managing
the Unemployment insurance scheme: it makes
ASSESSOR
DOMINIQUE
TELLIER
(MEDEF)
TREASURER
MARIE-FRANÇOISE
LEFLON
(CFE-CGC)
ASSISTANT
TREASURER
PATRICK LIEBUS
(UPA)
STATE-APPOINTED
AUDITOR
ALAIN
CASANOVA
ASSESSOR
STÉPHANE
LARDY
(CGT-FO)
3RD
VICE-PRESIDENT
YVES
RAZZOLI
(CFTC)

In February 2012, a round table presided over by Mr Gaby
Bonnand, Unédic President at the time, made it possible to
compare the viewpoints of a number of disciplines and sever-
al European countries on unemployment benefits.A morning
during which the participants went over the last ten years of
change in unemployment benefits in France: creation of the
Return-to-work Assistance Plan (PARE), implementation of
the option to combine an income and unemployment benefits
(reduced activity), launch of Assistance for the takeover or
creation of a company and support arrangements for people
made redundant for economic reasons.
Didier Demazière,sociologist,David Grubb,OECD economist,
and Philippe Scherrer, assistant director at Darés, set out
these changes from an economic, statistical and sociological
perspective. It was also an opportunity to draw comparisons
with Belgium, Germany, the Netherlands and Great Britain
over the last ten years in terms of entitlements, changes and
the role of social partners in these benefit schemes.
The full report on these discussions is online at unedic.fr.
COMPARATIVE VIEWS
ON UNEMPLOYMENT BENEFIT IN EUROPE
all the decisions required for the application of
the Unemployment insurance convention and
the functioning of Unédic. It exercises any pow-
ers delegated to it by the Board of Directors,
particularly to ensure the financing of the Un-
employment insurance scheme. It appoints the
Managing Director.
The State-appointed Auditor participates in the
Board every month.
His mission is to provide the link with the Ministry
of Finance, to report Unédic’s decisions to it and
to sit in an advisory capacity on the Board of Di-
rectors and the Board.
PRESIDENT
JEAN-FRANÇOIS
PILLIARD
(MEDEF)
VICE-PRESIDENTE
PATRICIA
FERRAND
(CFDT)
ASSESSOR
BENOÎT ROGER-
VASSELIN
(MEDEF)
2ND
VICE-PRESIDENT
GENEVIÈVE ROY
(CGPME)
ASSESSOR
ÉRIC AUBIN
(CGT)
29

GLOSSARY
Mandatory insurance scheme against invo-
luntary job loss for private and public (under
certain conditions) sector employees, the
management of which is entrusted to social
partners.
ACOSS
Central Agency of Social Security Organisa-
tions, Urssaf (Social Security Contribution
Collection Agency).
REDUCED ACTIVITY
Arrangement enabling a jobseeker to com-
bine benefits and remunerations under certain
conditions, while continuing to look for work.
ADR
Compensatory allowance upon redeploy-
ment: assistance granted to jobseekers over
50, or who have been in receiving benefits for
at least a year, who take up a job that is less
well-paid than their previous job by at least
15% for equivalent working hours.
AGS
Association for the Management of the Em-
ployee Debt Guarantee scheme.
APLD
Long-term reduced activity: arrangement that
enables employees to keep their job and 75%
of their pay in case of a reduction in work due
to economic difficulties. This short-time wor-
king measure is financed by the Unemploy-
ment insurance scheme and the State.
APPENDIX 4
Appendix 4 to the convention on Unemploy-
ment insurance includes the provisions on Re-
turn-to-work assistance and unemployment
benefits for temporary employees from tem-
porary work companies and casual workers
(with no distinction in the type of activity).
APPENDICES 8 AND 10
Appendices 8 and 10 to the Unemployment in-
surance convention include the provisions on
Return-to-work assistance and unemployment
benefits for sound recording, cinematographic
and audiovisual production, radio, broadcasting
andentertainmentworkersandtechnicians,and
performers.
ANI
The national interprofessional agreements
stemfromthenegotiationofthesocialpartners
representing employers and employees. The
convention on Unemployment insurance is
generally preceded by an ANI that sets out
the main guidelines (ANI of 25 March 2011 on
unemployment benefits).
ARCE
Assistance for jobseekers taking over or crea-
ting a company, in the form of two instalments
of a portion of the Unemployment insurance
benefits. The allocation of this assistance in
the form of capital is subject to obtaining State
assistance for unemployed people wishing to
create or take over a company (ACCRE).
ARE
Unemployment benefit is the allowance pro-
vided by the Unemployment insurance sche-
me. It is granted to employees affiliated to the
Unemployment insurance scheme who can
furnish proof of a minimum duration of acti-
vity prior to the involuntary loss of their job.
The convention on Unemployment insurance
in force sets this duration at 122 days (4 mon-
ths) during the last 28 months, for the under
50s.
AREF
Unemployment benefit paid to the bene-
fit recipient following a training programme
provided for by his/her Personalised Plan for
Accessing Employment (PPAE). Its amount is
that of the ARE under ordinary law, but may
not be lower than a level set by the general
regulations (20.22 Euros as at 1st July 2012).
The incidences of suspension of payment are
identical to those of the ARE, and its payment
also terminates at the end of the training pro-
gramme or in the event of suspension of this
training programme lasting longer than 15 days
(return to ARE under ordinary law). The unjus-
tified abandonment of training shall give rise to
an assessment by Pôle emploi.
ASP
Improved job security benefit is paid to bene-
ficiaries of the Improved job security contract
(CSP). It represents 80% of the previous gross
salary for employees who have two years’ se-
niority.
ASS
The Special solidarity allowance is aimed at
jobseekers who have exhausted their entit-
lements to ARE within the framework of the
Unemployment insurance scheme who meet
specific conditions. This arrangement is fi-
nanced by the State.
JOBSEEKER CATEGORIES
• Category A: jobseekers required to engage
in positive job searches, unemployed.
• Category B: jobseekers required to engage
in positive job searches, carrying out a short-
term reduced activity (78 hours).
• Category C: jobseekers required to engage in
positive job searches, carrying out a long-term
reduced activity (78 hours).
• Category D: jobseekers not required to en-
gage in positive job searches (due to an in-
ternship, a training programme, an illness,
etc.), unemployed.
• jobseekers not required to engage in positive
job searches, in employment (for example:
beneficiaries of supported contracts).
CCMSA
The Central Fund for the Agricultural Mutual
Insurance Scheme is in charge of managing
social protection for the agricultural sector.
CCVRP
Organisation for the collection of Social Se-
curity and Unemployment insurance contribu-
tions for sales representatives.
CONVENTION ON UNEMPLOYMENT
INSURANCE
Stemming from the negotiation of the social
partners, the convention sets forth the condi-
tions for paying benefits to jobseekers and the
amount of employers’ and employees’ contri-
butions.
STATE/UNÉDIC/PÔLE EMPLOI TRIPARTITE
AGREEMENT
The tripartite agreement sets the budget and
the operational objectives of Pôle emploi for
three years according to the guidelines set for-
th by Unédic and the State, co-financiers of Pôle
emploi.
CSP
In force since 1 September 2011, the Improved
job security contract is an arrangement co-fi-
nanced by the State and Unédic intended for
employees made redundant for economic rea-
sons from companies with fewer than 1,000
employees (or companies of any size placed
in compulsory liquidation). It replaces the CRP
and the CTP and has merged both these ar-
rangements.
DEFM
Month-end jobseekers. Individual registered
with Pôle emploi and having an outstanding
claim on the last day of the month.
DRE
The job search exemption, repealed in 2012,
exempted beneficiaries of ARE, of ASS aged
over 60, early retired persons and beneficiaries
of equivalent retirement benefit (AER) from
the obligation to look for work.
IPR
The Joint regional body convenes at regional
level, with the social partners representing the
employers and the employees. This body pro-
vides guidance on Pôle emploi’s local activity,
and is competent to rule on certain individual
cases of jobseekers and employers.
PPAE
The Personalised Plan for Accessing Em-
ployment is drawn up by Pôle emploi further
to registration as a jobseeker. It aims to set
out a pathway for a return to work adapted to
the jobseeker’s situation, particularly in terms
of the distance from employment, training,
qualifications, knowledge or acquired skills
etc.
RSA
Solidarity regime benefit intended for anyone
residing in France on a stable and actual ba-
sis, whose household has resources beneath
a certain income level. Consequently, it is ai-
med at bringing household resources to the
level of a “guaranteed income”. It may either
make up for a lack of income from activity
(base RSA), or supplement an income from
activity when the employee does not draw
a “living wage” from his/her work (cap RSA
or activity RSA). Its amount depends on the
composition and the resources of the benefi-
ciary’s household.
30

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