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Pensions Lawyers

At a time of escalating corporate social responsibility, basic pension and health insurance schemes are facing challenges that increase the need for supplementary schemes. Hence the considerable surge in company pension and insurance benefits, which is supported by parliament.

Helping companies set up and develop their pension and employee benefit schemes

These schemes provide tax and social security incentives, as well as generating loyalty amongst your employees and driving company performance. An increasingly complex regulatory framework governs the implementation of these schemes: extended use of compulsory supplementary health cover, the reform of so-called ‘responsible’ policies, the setting-up of hardship accounts, creation of performance conditions for the benefit of defined benefit pension schemes (so called “chapeau” top-up pension schemes), etc.
Whether you are a company incorporated in France or abroad, you will need help with your strategic development in this changing environment and to improve your understanding of the constraints imposed by these new schemes, as well as the opportunities they offer.

Our dedicated team of specialised social protection lawyers has extensive knowledge of these reforms and, because they deal with these issues on a daily basis, is well-positioned to provide support in the following areas: setting up insurance schemes (healthcare expenses, incapacity disability and death benefits); setting up supplementary pension schemes (defined benefit plans, defined contribution plans); auditing the compliance of the schemes, in particular with regard to new regulations on exemptions from employer contributions, contrats “responsables” (“responsible” policies) and the widespread use of supplementary health cover; managing the impact of the reorganisation of supplementary social welfare schemes (pension and insurance disputes with the organisation responsible for the payment of social security benefits in France, the Unions de Recouvrement des Cotisations de Sécurité Sociale et d'Allocations Familiales or URSSAF, application of the “Evin” Act on healthcare coverage, etc).
Their expert knowledge and understanding of your business combine to offer you pragmatic and sustainable solutions that will help you grow.

Helping insurers set up and develop their insurance products and in their institutional arrangements

Our specialists can assist you in both policy-related and institutional matters. They regularly draw up rules for mutuals, membership forms, and company group policies, ensuring that these are line with regulatory developments. For example, they check the compliance of group policies with the Evin Act of 31 December 1989, compliance with the new regulations on contrats “responsables” (“responsible” policies), and the establishment of a paying agent. Our specialists also help with all statutory and institutional aspects in relation to mutuals and employee benefit institutions, including updating articles of association, advice on governance rules, in particular with regard to Solvency II, creation of or affiliation to a union of mutual groups (UGM or UMG), managing relationships with mutuals, Livre III unions, mergers of mutuals and transfers of insurance portfolios, etc.

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Caroline Froger-Michon
Part­ner
Global Co-Head of the CMS Employment & Pensions Group
France, Neuilly-sur-Seine
Caroline Froger-Michon is Co-Head of the CMS Employment & Pensions Group. In this position, she jointly leads an international team of 280 lawyers. Caroline is a partner in the Employment Law...
Nicolas Callies
Nicolas Callies
Part­ner
France, Neuilly-sur-Seine
Nicolas Cailles joined the Employment Law Department of CMS Francis Lefebvre Avocats in 1990 and became a partner in 2001. Nicolas manages a team that provides advice and handles disputes in ...
Picture of Pierre-Jean Sinibaldi
Pierre-Jean Sinibaldi
Part­ner
France, Neuilly-sur-Seine
Pierre-Jean Sinibaldi joined CMS Francis Lefebvre Avocats in 1986. He became a partner in 1998. He advises both international and French companies on collective and individual labour relations and ...
Picture of Nicolas De Sevin
Nicolas de Sevin
Part­ner
Vice Chairman of the Supervisory Board
France, Neuilly-sur-Seine
Nicolas de Sevein joined CMS Francis Lefebvre Avocats in 1983, and became a partner in 1989. A member of the firm’s Advisory Board since July 2012, he was elected Vice-Chairman in June 2015. He ma...
Olivier Dutheillet de Lamothe
Olivier Dutheillet de Lamothe
Part­ner
Head of Employment and pensions practice's Intelligence department
France, Neuilly-sur-Seine
Olivier Dutheillet de Lamothe joined CMS Francis Lefebvre Avocats in 2014 as Counsel with responsibility for the employment and pensions practice's Intelligence, Scientific Development and Knowledge ...
Thierry Romand
Part­ner
France, Neuilly-sur-Seine
Thierry Romand joined the employment department of CMS Francis Lefebvre Avocats in 1995 and became a partner in 2006. He has substantial experience in advising corporate clients on employment law...
Picture of Ghislain Beaure dAugeres
Ghislain Beaure d'Augeres
Part­ner
France, Neuilly-sur-Seine
Ghislain Beaure d'Augères joined CMS Francis Lefebvre Avocats in 1994 and became a partner in 2003. His background in both public law and employment law means that he has developed considerable e...
Alain Hermann
Alain Herrmann
Part­ner
France, Neuilly-sur-Seine
Alain Herrmann joined the Employment Department of CMS Francis Lefebvre Avocats in 1992 and became a partner in 2007. Alain is mainly involved in national and international restructuring of c...
Picture of Rodolphe Olivier
Rodolphe Olivier
Part­ner
France, Neuilly-sur-Seine
Rodolphe joined the Employment Law Department at CMS Francis Lefebvre Avocats in 1997. He became a partner in June 2010. He is mainly involved in litigation in relation to disputes pending before ...
Marie-Pierre Schramm
Marie-Pierre Schramm
Part­ner
France, Neuilly-sur-Seine
Marie-Pierre Schramm joined CMS Francis Lefebvre Avocats in 1985 and was made a partner in 2003. Specialising in advice and disputes in the field of employment law, she regularly handles matters ...