I am receiving a disability pension

If you become fully and permanently unable to perform your duties due to a (duly established) illness, injury, or severe disability, you can be medically retired and receive a disability pension.

• Your medical retirement can begin either following an application or automatically once your medical leave has ended.

• Your retirement pension will not be subject to a rate penalty.

• You can be granted a pension increase for a caregiver if you need constant help from a third party in order to perform your ordinary day-to-day activities.

Read the article entitled “Pension increase for dependent adults” on Info Retraite’s website

• Your disability pension will be paid along with a supplement, the lifelong disability benefit (“rente viagère d’invalidité”), when your disability is officially attributed to the performance of your duties.

If you have been on a disability pension after June 1st, 1981, you may be eligible for supplementary pension entitlements. In order to be eligible, you must have received or be receiving:

• A Social Security or MSA disability pension,

• Or an industrial accident or illness pension.

Your entitlement will be determined and granted when your final retirement pension is calculated, assuming additional criteria are met.

To learn more, please refer to Ircantec’s website

If you are medically assessed as unable to work and no longer a member of the National Pharmacists’ Association (“Ordre National des Pharmaciens), the supplementary old-age benefits scheme can credit 65 supplementary points to your account free of charge for each quarter.

Additional programs are available. For information, please refer to your supplementary pension scheme’s website

You can receive a supplementary pension without any rate reduction from the age of 60 if:

• You are officially assessed as unable to perform any type of work

• And you are receiving a disability pension at a rate of 100%.

Si vous devez interrompre totalement votre activité libérale pour des raisons de santé, vous pouvez bénéficier des prestations prévues par le régime Invalidité-Décès de la CARCDSF :

• versement d’indemnités journalières à partir du 91ème jour d’arrêt de travail en cas d’incapacité professionnelle totale temporaire ;

• versement d’une rente d’invalidité en cas d’incapacité professionnelle totale permanente et validation, chaque année, de 6 points de retraite gratuits au titre du régime complémentaire.

A l’âge minimal de départ à la retraite, la rente d’invalidité est remplacée par le versement de votre retraite à taux plein (retraite par inaptitude).

Si vous devez interrompre totalement votre activité libérale pour des raisons de santé, vous pouvez bénéficier des prestations prévues par le régime Invalidité-Décès de la CARCDSF :

• versement d’indemnités journalières à partir du 91ème jour d’arrêt de travail en cas d’incapacité professionnelle totale temporaire ;

• versement d’une rente d’invalidité en cas d’incapacité professionnelle totale permanente et validation, chaque année, de 6 points de retraite gratuits au titre du régime complémentaire.

A l’âge minimal de départ à la retraite, la rente d’invalidité est remplacée par le versement de votre retraite à taux plein (retraite par inaptitude).

If your disability percentage is 66% or higher, supplementary pension points can be credited to your account.

For more information, please refer to your complementary pension scheme’s website

If you become unable to perform your duties or any other type of work due to your state of health, your supplementary scheme has a program that takes account of your inability to work. Under this program, you can begin receiving your supplementary pension up to 10 years before you reach the statutory minimum age.

Your retirement pension will be calculated based on the entitlement you had accrued when you stopped working, without any reduction. 

If you are fully unable to work (disability percentage of 100%), supplementary pension contributions will be credited to your account until you reach the age of 65, unless you claim your supplementary pension before that date. 

Temporary or permanent inability to perform your duties

• Any private-practice lawyer with CNBF membership who becomes fully unable to perform his/her duties, either temporarily or permanently, can receive daily benefits followed by a disability pension.

Salaried lawyers receive comparable benefits paid not by CNBF but by France’s general health insurance scheme.

• These periods will be counted as periods of insurance when you claim your retirement pension.

• In the event of your death, the remainder of your temporary disability allowance or of your permanent disability benefit entitlement will be paid to your estate.

Receiving more than one benefit at the same time

CNBF’s temporary disability allowance (“allocation d’invalidité temporaire”) and permanent disability pension (“pension d’invalidité permanente”) are awarded with no means test and can be paid at the same time as other benefits.

However, it is important to note that no disability pension entitlement can be claimed if:

• You are already receiving disability benefits from another compulsory disability insurance scheme,

• Or if your disabling condition began while you were a member of another compulsory disability insurance scheme. 

CRPN does not pay a disability pension but rather retirement pensions if you are assessed as being permanently unfit to work by the civil aviation authority’s medical examiner.

If you are assessed as being permanently unfit to work by the civil aviation authority’s medical examiner and granted a disability pension by the French social security system, you can claim your CRPN retirement pension early under certain conditions.

Periods on a disability pension

1 quarter can be credited to your account for each 90-day period during which you receive a disability pension.

When you reach statutory retirement age

Your disability pension will end when you reach statutory retirement age (between the ages of 60 and 62, depending on your birth year). It will be replaced by your retirement pension.

No rate penalty will be applied, regardless of your length of insurance in all schemes combined. Additionally, if you have paid contributions to CRPCEN for at least 25 years, the amount of your retirement pension cannot be lower than the disability pension that you had been receiving.

If you are still working, you can choose to claim your retirement pension later. However, you will not be able to keep receiving your disability pension.

Le risque invalidité n’est pas couvert par le régime spécial de retraite du personnel ferroviaire.

Mais si vous êtes agent du cadre permanent d'une entreprise ferroviaire et que vous cessez votre activité avec un taux d’invalidité égal ou supérieur aux 2/3 (au sens du régime général de sécurité sociale), vous pouvez bénéficier d’une pension d’invalidité. Elle est calculée et servie dans les conditions prévues par le régime général de la sécurité sociale.

Ainsi lorsque vous êtes titulaire d’une pension de réforme avec une invalidité égale ou supérieure aux 2/3, une comparaison est effectuée entre la pension de réforme, calculée en application de la réglementation du régime spécial du personnel d'une entreprise ferroviaire, et la pension d’invalidité dont vous auriez pu bénéficier en application des règles du régime général de sécurité sociale.

Lorsque la pension du régime spécial du personnel ferroviaire est inférieure, vous percevez un complément de pension, pour atteindre le montant de la pension d’invalidité du régime général de sécurité sociale.

Your pension scheme does not have a special program for counting periods on a disability pension.

• Any time on statutory disability counts toward your length of insurance.

• If your disability is categorized as level 2 or 3, you will receive your disability pension until you reach statutory retirement age at the latest.

You will transition from disability to your retirement pension on the 1^st day of the month after you reach statutory retirement age.

Your retirement pension will be calculated without any rate penalty.

You can transition automatically from your disability pension to a retirement pension before reaching statutory retirement age if you meet the eligibility criteria for a retirement pension and have accrued the required number of quarters to receive your pension at a maximum rate of 75%.

Read the article entitled “Statutory age” on Info Retraite’s website

Example:

Mr. C was born on November 15, 1958 and belongs to the active duty category. He is receiving a Category 2 disability pension.

At age 55, his total length of duty (including time on disability and active duty bonus) amounts to 163 quarters, which entitles him to receive a pension at a rate of 75%.

As a result, CNIEG transitions him from a disability to a retirement pension on December 1^st, 2013.

• If you are granted a category 1 disability pension, you will receive your disability pension up to the maximum age for automatic removal from active duty that has been set by the national electrical and gas industry bylaws, at the latest.

To learn more about automatic removal from active duty, please refer to CNIEG’s website. 

If you can no longer perform your duties at the Opéra national de Paris and you cannot be transferred to another position, you can be granted early retirement on medical grounds.

Early retirement is granted by the Disability Committee (Commission d’Inaptitude) based on the opinions of the Paris Opera’s occupational physician and the Committee’s medical examiner.

Your retirement pension will be calculated without a rate penalty and the required number of quarters will be the one for the birth year that reaches statutory retirement age at the time you claim your early pension (and not the one required for your own birth year).