You probably didn't learn this one in school… but if you’re planning on working in France, this is a word you need to know. And will very possibly grow to hate!
‘Cotisation’ can mean subscription or membership fee, for example the amount you pay to join an association.
Je voudrais adhérer à l’association. C’est combien, les cotisations ?
I’d like to join the association. How much is the subscription?
So far, so innocent.
BUT… in real life, I use it far more often to mean contribution — more specifically national insurance / social security contributions, aka ‘cotisations sociales’.
As in:
Les cotisations sociales ont encore augmenté cette année.
National insurance contributions have gone up again this year.
Fun fact (well… “fun” 😅): this happens a lot. They have just gone up again. I now pay 25.6% of my turnover in social security contributions.
And that doesn't include tax. 🎉 The two are often confused so make sure you are clear on the difference if you're thinking of starting a business in France.
Have you come across the word ‘cotisation’ before… or is this your first encounter with it?