How is retirement calculated when you have contributed to several pension plans?

If you have worked under different statuses (employee, self-employed, liberal profession, public official, etc.) and you have contributed accordingly to different pension funds during your professional life, you are polypensioner (or multi-pensioner).

In this case, all the pension funds (basic and supplementary) to which you have obligatorily contributed pay you a pension whose amount varies according to the calculation methods set by each of them.

You can find the list of pension funds to which you have contributed during your career and their contact details on the Retirement Info website in your retirement account using the service My career / My pension plans :

Info Retirement - My retirement account

The total amount of your pension is determined by adding the amount of your various basic and supplementary pensions.

Each retirement pension is calculated on the basis of number of quarters or number of pension points which you have at your disposal with each of them.

In your retirement account, you can also view your career record using the service My career / See my career.

Your career statement summarizes the periods of activity recorded by your various pension funds and the number of quarters or retirement points you have.

You can print and download your career statement at any time.

If you find that your career statement contains anomalies or that certain periods of activity have not been taken into account, you can request a correction from your retirement account.

This service is accessible from 55 years old and only in case of connection to your retirement account with FranceConnect.

In your retirement account, you can also make a estimated amount of your pensions using the service My Retirement Estimate.

You can:

• Either consult an estimate generated automatically from the information known to your pension funds (quick estimate)
• Either make a personalized estimate by changing your starting age, adding missing periods and future changes (children, new status, expatriation, gradual retirement, job-retirement accumulation, etc.).