Andorran social security: find out how it works

Despite having low taxes, Andorra has a social security system called Andorran Social Security Fund (CASS). This system aims to guarantee the protection, both contributory and non-contributory, of the insured persons. Therefore, it guarantees adequate benefits to cover personal needs, together with the right to access the health system. Below we explain how the Andorran social security system works.

What is the Andorran Social Security Fund?

In Andorra, the Andorran Social Security Fund (CASS) regulates the medical coverage and social services. To benefit from medical coverage in the country, CASS membership is mandatory, especially for employees and most residents. On the other hand, it is also responsible for managing reimbursements for medical and hospital expenses.

How does Andorran social security work?

The Andorran Social Security Fund (CASS) is divided into two branches: general and retirement branch.

The general branch it includes benefits such as reimbursement, disability, invalidity, maternity, death benefit, paternity, pregnancy risk and orphan's pensions.
The retirement branch it focuses on reducing income during retirement, offering temporary pensions and widow's annuities, to address the end of work activity associated with age.

How are quotes determined?

When we talk about the quotes in Andorra, wage earners and employees retain from 5.5% to 10.5% of salary, with an average contribution of 14.5% of income. In the case of the employer, he is the one who assumes the difference between the 4% and the 9% of the worker's salary.

Entrepreneurs and business managers have one retention between the 20% and the 25% of the average monthly salary, depending on the income of workers affiliated to the CASS. Unemployed people must pay between 200 and 400 euros monthly.

On the other hand, the CASS not only administers the contributions, but also covers between 75% and 100% of health costs, as the case may be. Reimbursements include 75% of general health expenses, with the possibility of reaching 100% with complementary insurance.

Besides, covers the 90% of hospitalization expenses and the 100% for those caused by occupational accidents or occupational diseases. If we are talking about services not affiliated to the CASS, the 33% is reimbursed.

What is the retirement pension like in Andorra?

Throughout the working career, the contributions to the CASS generate points, detailed in the statement of retirement points. This document includes information about the companies worked for, the salary quoted, the retirement class, the purchase value of the point, the monthly points acquired and the total accumulated during working life.

When calculating the pension, it is carried out using the formulas of article 200 of Law 18/2014 and is adjusted annually according to the budget law or Article 200 Bis. The pension is determined on the basis of contributions.

The formula involves multiplying the sale price of the point by the number of months and pensionable points. Of course, it is important that you know that point price varies according to the time of retirement and is updated every year.

In the other hand, the request for the extract it can be done in person or through the CASS web portal, offering a comprehensive view of the contribution and pension projection.

What is the Andorran social security health system like?

Andorran residents participate financially in medical coverage and they have the freedom to choose their GP among the 10 health centers distributed throughout the territory. This doctor is responsible for coordinating primary care needs and, if necessary, refers to specialists.

In addition, the medical care system in Andorra stands out for offering a greater subsidy for dental treatments compared to other neighboring countries. On the other hand, the government has agreements with neighboring countries such as France and Spain to cover medical issues of all specialties.

In the hospital field, the hospital Nostra Senyora de Meritxell it has capacity for 200 beds, being a fundamental health reference point in Andorra.

In conclusion, Andorran social security, through the Andorran Social Security Fund (CASS), guarantees protection and benefits to all residents. Contributions vary according to employment status and the pension is calculated according to contributions and accumulated points.

Remember that CASS administers health reimbursements, covering between 75% and 100% of costs, with a special emphasis on dental treatments. A ICOB we have a team specialized in advice to ensure that your move to Andorra is smooth and worry-free.