Supplementary retirement in the private sector: Agirc-Arrco

Periods worked contributed

Your supplementary pension contributions (salary, deducted from your gross salary, and employer contributions, paid by your employer) allow you to earn pension points throughout your career.

These points are written on your individual pension points account.

The contribution rates are as follows:

Pension points are calculated as follows:

(Remuneration x points calculation rate) / purchase price of the pension point (also called reference salary)

In 2025, the points calculation rates and the reference salary are as follows:

You can check your number of retirement points on your individual points account on the Agirc-Arrco website in your personal area:

Supplementary pension Agirc-Arrco: personal area

Periods not worked

Certain periods not worked and not contributed may, under certain conditionsbe treated as periods of pension contributions.

Thus, in particular, the following periods give rise to the allocation of free points, i.e. without any contribution in return:

• Periods of sick leave of more than 60 consecutive days due to sickness, maternity, adoption or - during which you have received daily allowances or an invalidity pension or an occupational sickness pension corresponding to a rate of incapacity of at least 2/3
• Periods of unemployment compensated by the Return to Employment Assistance (RHE) or the Occupational Security Allowance (ASP) or the Specific Solidarity Allowance (SSA)
• Periods of short-time work more than 60 hours (consecutive or not) in the same year.

Other situations

In some cases, when you are exempted from exercising all or part of your activity, your contributions are still calculated on the basis of your full-time remuneration.

For example: in case of part-time set up due to the difficult economic environment in which your company is located.

In some cases of complete cessation of activity, your employer ensures the payment of contributions to the Agirc-Arrco as if you were continuing your activity.

This is particularly the case for the following types of leave: parental leave, parental leave, family solidarity leave, caregiver leave.

You can also ask to redeem supplementary pension points for the following periods:

• Years of higher education
• Incomplete years for which the number of quarters retained by the Pension Insurance is less than 4.

Calculation of pension amount

When you apply for a pension, your number of retirement points earned during your career is multiplied by the point service value.

The service value of the Agirc-Arrco point is set to €1.4386.

The supplementary retirement pension is paid on 1^er working day of each month.

However, if the number of points is between 101 and 200, it is paid once a year at the beginning of the year.

If it is less than or equal to 100, the pension is paid in one installment.

You can estimate the amount of your supplementary retirement pension in your personal area:

Supplementary pension Agirc-Arrco: personal area

Increase in the amount of the child pension

The amount of your retirement pension is increased if you have had or raised at least 3 children. This increase is final.

Your pension is also increased if you still have one or more dependent child(ren) on retirement. This increase is temporary. It is granted to you as long as the child or children remain in your care.

You cannot benefit simultaneously the payment of these two increases.

If you meet the conditions to benefit from these 2 increases, it is the highest increase that is attributed to you.

When you stop benefiting from the dependent child surcharge, you can then benefit from the surcharge for 3 children, if you meet the conditions.

Retirement at full or reduced rate

Full rate pension

You can get your supplementary pension at full rate if you are entitled to a basic pension from the Retirement Insurance.

This is the case if you are in one of the following situations :

• You have reached the minimum legal retirement age and you have the number of quarters required to qualify for a full rate basic pension
• You are 67 years old (regardless of your number of quarters)
• You are entitled to early basic retirement for long career before the minimum legal retirement age
• You are entitled to a full basic pension at age 62 for unfit for work
• You are entitled to a full early basic pension for disability
• You are entitled to a full early basic pension for permanent disability
• You are entitled to a full early basic pension as aformer employee exposed to asbestos
• You are entitled to a full basic pension as a caregiver if you have stopped working for at least 30 consecutive months to help a person with a disability
• You are entitled to a full basic pension as the parent of a disabled child who is a beneficiary of the FCH: titleContent if you have provided effective support for at least 30 months
• You are entitled to a full basic pension if you have raised a disabled child under 20 years of age and have at least 1 quarter of free pension insurance.

Retirement at a reduced rate

If you are not entitled to a basic pension from Full Rate Retirement InsuranceHowever, the amount of your supplementary pension is multiplied by a reduction coefficient depending on your retirement age or the number of quarters you are missing to qualify for a full basic pension.

It is the coefficient that is most favorable to you that is retained.

You can also apply for your supplementary pension from the age of 57 without applying for your basic pension.

In this case, the amount of your supplementary pension is affected by a reduction coefficient depending on your age.