Pôle Protection Sociale, Retraite et Prévoyance
Département droit social

Portabilité et liquidation judiciaire : Réponse ministérielle parue au JO du 14 avril 2020

Compte tenu du nombre de défaillance d’entreprises en France, les contestations n’ont pas tardé à naitre puisque de nombreux assureurs ont considéré que dans le cadre d’une  procédure de liquidation judiciaire l’article L. 911-8 ne s’appliquait pas et ont donc refusé de maintenir les garanties. Plusieurs décisions ont été rendues par les cours d’appel de Paris[1] et de Lyon[2], certaines dans le cadre de procédure en référés.
  
A son tour, la Cour de cassation est saisie pour avis. Le 6 novembre 2017, elle rend une série de six avis en des termes identiques :
 
« Ces dispositions[3] n’opèrent aucune distinction entre les salariés d’une entreprises ou associations in bonis et les salariés dont l’employeur a fait l’objet d’une procédure de liquidation judiciaire.
Toutefois, l’article L. 911-8, 3°, du code de la sécurité sociale précisant que les garanties maintenues au bénéfice des anciens salariés sont celles en vigueur dans l’entreprise, le maintien des droits implique que le contrat ou l’adhésion liant l’employeur à l’organisme assureur ne soit pas résilié. »
 
La Cour considère que par principe il n’y a pas lieu d’exclure du champ d’application de l’article L. 911-8 CSS les anciens salariés d’un employeur placé en liquidation judiciaire. En revanche, l’application du texte suppose que le contrat entre l’entreprise et l’organisme assureur soit toujours en vigueur. Dès lors, la portabilité cessera lorsque le contrat d’assurance sera résilié. 
 
La Haute cour s’est ensuite prononcée dans un arrêt du 18 janvier 2018, n°16-27.332 mais uniquement sur la question de savoir si ce type de litige pouvait être tranché dans le cadre de procédures en référé. La Cour constatant qu’il n’existe pas de dispositif pour financer la portabilité lorsque l’entreprise est en situation de liquidation judiciaire, et que cela est de nature à constituer un obstacle au maintien des garanties pour les salariés licenciés, juge que la contestation revêt un caractère sérieux ne pouvant être tranchée en référé.
 
La réponse ministérielle publiée le 14 avril 2020 reprend la position de la Cour de cassation. Elle confirme que l’absence de financement de la portabilité en cas de liquidation judiciaire est un obstacle l’application effective de celle-ci.
 
Les problèmes sont bien identifiés mais les solutions tardent à venir…
 

[1] CA Paris, 13 septembre 2016 RG n°15/17810, 14 novembre 2016 RG n°16/08749 et 9 mars 2017 RG n°16/05124
[2] CA Lyon 7 mars 2017 RG n°15/04614 et 11 avril 2017 n°15/06663 ; CA Lyon 24 janvier 2017 RG n°15/06017, 21 février 2107 RG n°15/06038, 21 mars 2017 RG n°15/09943 et n°15/07703, 30 mai 2017 RG n°16 :01876 et 27 juin 2017 RG n°16/05526.
 
[3] Celles de L. 911-8 CSS.

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