Use of the occupational prevention account (C2P) for the employee's retirement

Verified 01 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)

If you have a professional prevention account (C2P), you can use some of your C2P points to obtain additional retirement insurance quarters. We explain this device.

You have had automatically of a prevention professional account (C2P) if you meet the following 2 conditions:

If the duration of your contract of work is greater than or equal tocalendar year, you benefit each year 4 points per risk factor professionals to whom you are exposed.

If your contract starts or ends during the year, points are counted per 3-month contract period.

Each 3-month exposure period to one or more occupational risk factors entitles you to a number of points equal to the number of occupational risk factors to which you are exposed.

Example :

If you are exposed for a year to 3 risk factors, you are entitled to 12 points (4 points per year x 3 factors).

If you only worked from 1er january to june 30 by being exposed to 3 risk factors, you are entitled to 6 points (2 quarters x 3 factors).

Points earned remain in your prevention professional account until they are used or you are admitted to retirement.

You can consult your professional online prevention account on the site dedicated to C2P, from your personal space:

Prevention Business Account - Personal Area

The First 20 points scored on your C2P are reserved :

  • The covering of all or part of the costs of continuing training with a view to gaining access to a job that is not exposed or less exposed to occupational risk factors
  • Or the covering of training costs in the context of a vocational retraining project with a view to gaining access to a job not exposed to occupational risk factors.

Points on your C2P beyond these first 20 points can be used to earn additional retirement insurance quarters and be able to retire early the legal age.

Other uses of the points on your C2P beyond 20 points are possible, in particular to finance training to access a job that is not exposed or less exposed to occupational risk factors.

If you choose to use your points for your retirement, 10 points entitle you to 1 quarter supplementary pension insurance with the Pension Insurance (basic pension).

You can convert up to 80 points in 8 quarters additional pension insurance.

You can apply to use your points to fund additional retirement insurance quarters from the age of 55.

The request for use points entered on the prevention professional account is done online on the site dedicated to C2P, from your personal space:

Prevention Business Account - Personal Area

You can also send your request by mail to your Carsat: titleContent using cerfa form no 15511:

Application to use earned points for an increase in the duration of insurance for retirement

Who shall I contact

You will receive a receipt for your application.

The quarters obtained with your C2P are taken into account for different purposes when you retire:

  • Enabling you to retire earlier
  • Determine the liquidation rate of your basic retirement pension from the Retirement Insurance
  • Calculate your duration of insurance with Retirement Insurance
  • Retire early for a long career.

Retiring earlier

The quarters obtained with your C2P (limited to 8) can allow you to retire at most 2 years before the minimum legal retirement age.

Determine the settlement rate of your retirement pension from Retirement Insurance

Your basic retirement pension paid by Retirement Insurance is calculated as follows:

Pension = Average annual salary x Liquidation rate x (Your number of quarters validated by the Pension Insurance / Number of quarters of pension insurance required to be entitled to a full rate pension)

The liquidation rate is the percentage applied to your average annual salary of your best 25 years to calculate your retirement.

It is at most equal to 50% if you are entitled to a full pension.

Retirement is granted at full rate, in particular in the following two situations:

  • You're retiring before age 67 by having a specified number of quarters of pension insurance for all plans combined (ce number varies depending on your year of birth)
  • Or you retire at age 67 (regardless of your number of quarters of pension insurance for all plans).

If you retire before age 67 without having the required number of quarters to qualify for a full rate pension, the liquidation rate of 50% is reduced by 0.625 per missing quarter. This reduction is called the haircut.

So the quarters obtained with your C2P are taken into account to limit the number of missing quarters and your haircut if you retire before age 67 without having all the quarters required to qualify for a full-rate pension.

The liquidation rate of your retirement pension is at least 37.50%.

Calculate your duration of insurance with Retirement Insurance

The amount of your basic retirement pension paid by Retirement Insurance depends on the number of quarters validated by Retirement Insurance among your total number of pension insurance quarters for all plans combined.

Your pension is calculated as follows:

Pension = Average annual salary x Liquidation rate x (Your number of quarters validated by the Pension Insurance / Number of quarters of pension insurance required to be entitled to a full rate pension)

The closer your number of Quarters validated by Retirement Insurance is to the number of Quarters required to qualify for a full rate pension, the higher your Retirement Insurance pension.

Example :

If you were born in 1964, you are entitled to a full pension from the age of 62 and 9 months if you have 170 quarters all plans combined.

If your 170 quarters are all validated by Retirement Insurance, your retirement pension is equal to:

Average annual salary x 50% x (170 / 170)

If, for example, you have 28 out of these 170 quarters that come under another pension fund, your pension is equal to:

Average annual salary x 50% x (142 / 170)

The other 28 quarters entitle you to another pension calculated according to the rules applicable by the pension plan concerned.

Early retirement for a long career

Quarters obtained with your C2P are considered to be contributory quarters to meet the conditions required to benefit from a early retirement for a long career.

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