You are entitled to free hospital insurance at age 65 if you have worked long enough under U.S. Social Security to qualify for a retirement pension. People born in 1929 or later need 40 credits (about 10 years of covered work) to qualify for old-age benefits. While the agreement between the U.S. and France allows the Social Security Administration to account for your French loans to help you qualify for retirement, disability, or surviving benefits in the U.S., the agreement does not cover Medicare benefits. As a result, we cannot count your credits in France to benefit from free Medicare medical insurance. The certificate of coverage you receive from one country indicates the effective date of your exemption from paying social security taxes in the other country. In general, this is the date you started working in the other country. This agreement is not yet in force, as the ratification process must be completed.
It may take several months to enter into force. For more information on French social security programs, consult all social security services in France. If you do not live in France, write to: To determine your exemption from coverage by the U.S. social security plan, your employer in France must apply for a certificate of coverage (Form SE-404-1 or SE-404-2) from the local French health insurance agency, which collects your social security taxes in France. If a U.S. benefit is payable based on the U.S. and French Social Security Credit Census, we will determine an initial benefit based on your U.S. income, as if you had completed your entire career under the U.S. plan. The United States then reduced this initial benefit to take into account the fact that french loans helped make the benefit payable. The amount of the reduction depends on the number of US credits: the more US credits, the smaller the reduction; and fewer U.S.
credits, the greater the reduction. The agreement concerns employees and the liberal professions, their family members and their survivors. European legislation and social security agreements make it easier for a worker to move from the system of his country of origin to the French system and, in some cases, give rise to rights. .