Purchasing quarters and pension points

Your pension scheme does not offer a back-pay program for incomplete years. However, other programs are available.

• If you have chosen to work part-time : you can apply to pay contributions at a higher rate to have a period of full-time employment credited to your account. Please refer to the article entitled "I have current or past part-time employment".
• You can apply to purchase up to 12 quarters for your years in higher education. Please refer to the article entitled "Purchasing quarter for periods in higher education".

Les points acquis par validation

La validation est la prise en compte par l’Ircantec :

• de services accomplis avant 1973 pour l’État et les collectivités publiques ;
• et pour lesquels aucune déclaration des salaires n’a été faite et aucune cotisation n’a été payée.

Cette situation est due au fait qu’au moment de l’activité :

• l’Ircantec ou les régimes qui l’ont précédée (IPACTE, IGRANTE) n’existaient pas ;
• l’employeur n’était pas immatriculé au régime ;
• la réglementation ne permettait pas la prise en compte de ces services.

Pour que la validation soit effective, le salarié et l’employeur doivent verser des cotisations qui leur auraient été demandées s’ils avaient cotisé à l’époque où les services ont été accomplis.

Les points enregistrés par validation sont calculés comme les points acquis normalement par cotisations, sur la base des taux théoriques en vigueur à l’époque de l’exécution des services.

Pour en savoir plus, consultez le site du régime de retraite complémentaire Ircantec.

Periods and additional pension points can be purchased under the supplementary scheme. The purchase is tax-deductible with no upper limit.

Purchasing periods and points : rules and requirements

• Purchases must be made between age 45 and the date you retire.
• You must be up-to-date with your contribution payments.
• Periods and points can be paid for in full during the current year, at the applicable rate, or in installments, in accordance with the scale that is applicable at the time of payment.

To learn more about the payment rules, please refer to CARMF’s website

Four types of period can be purchased

• National service

Physicians can purchase periods of military service or as part of a cooperation program. Each full or partial calendar quarter of service can be purchased. A surviving spouse of a physician who died before reaching retirement can also purchase these periods.

Required documentary evidence :

A legible full copy of the doctor's military booklet ("livret militaire") or of his/her military service record ("état des services militaires").

• Maternity

Female physicians can purchase 3 quarters for each child who was born during periods of medical practice.

Eligible periods are those in private practice, periods as a substitute physician with registration through the French medical association, and salaried medical practice (internships, clerkships, residencies, fellowships, etc.)

• Disabled children

You can purchase 1 quarter for each 3-year period during which you had a dependent child receiving receiving France's disabled child-rearing allowance ("allocation d'éducation d'enfant handicapé/ AEEH). Purchases are capped at 3 quarters per child.

A list of required documentary evidence is available on CARMF’s website.

• Years of exemption from contributions

Physicians who joined the scheme after January 1st, 1996 and were under the age of 40 at that time were exempted from contributions for their first 2 years of membership. If you were included in this program, you can purchase 1 point for each quarter of exemption during these periods.

Cost to purchase these points in 2016

• Cost of 1 point for a physician : 1,297.50 euros
• Value of one pension point: 78.55 euros
• If you purchase periods of national service, maternity leave, or periods with a dependent disabled child, you will acquire 1 pension point, plus 0.33 point free of charge, for each purchased quarter. Annual benefit supplement at age 65 : 104.47 euros (for a full-rate pension)If you purchase years of contribution exemption : the annual benefit supplement at age 65 comes to 78.55 euros per point.

 If you purchase years of contribution exemption: the annual benefit supplement at age 65

Purchasing additional points

If you do not total an average of 4 points per year of membership, you can acquire additional points.

Cost of purchasing additional points in 2016

• Doctors : 1,892.18 €
• Surviving spouse: 1,135.31 €
• Per-point annual benefit supplement at age 65: 78.55 € at the full rate and 47.13 € for the surviving spouse at age 60.

The contributing spouse's (conjoint collaborateur) supplementary scheme

•  Women can purchase quarters for children who were born during periods as a contributing spouse to a private-practice physician; men can purchase quarters for years of national service.
• Spouses can purchase 1 quarter for each 3-year period during which they had a dependent child receiving France's disabled child-rearing allowance ("allocation d'éducation d'enfant handicapé/ AEEH). Purchases are capped at 3 quarters per child.
• Spouses can purchase quarters for periods of voluntary membership in the basic scheme or periods as a contributing spouse under this scheme. Purchases are capped at 6 years.
• The purchase price amounts to a quarter or half of the purchase price per point for doctors, which was set at 1,297.50 € in 2016. 0.08 or 0.16 points per quarter are also credited free of charge for purchases based on children, periods in the military, and caring for disabled children. in 2016, the value per point was 78.55 € at the full rate.

The supplementary pay-as-you-go pension scheme: purchasing quarters

You can only purchase quarters once you have claimed your pension. Provided that you were in private practice for at least 10 years, you can purchase quarters for all of the remaining years you need in order to be entitled to a full-rate pension. You will receive a purchase form with your offer at the same time you receive your retirement certificate.

The supplementary retirement-savings scheme: purchasing contributions

As from July 1st, 2015, when the reform of the supplementary scheme went into effect, there are caps on the contributions you are able to purchase.

Each member can purchase up to 6 years of contributions (i.e. 24 quarters) :

• Capped at the maximum length of insurance (i.e. 41.25 years in 2016),
• And taking into account any other quarters accrued under France's other pension schemes.

To learn more, please refer to the CAVP's website.

Veterinarians' supplementary pension scheme (carpv)

Purchasing supplementary-pension points

If you are between the ages of 55 and 59, you can opt to purchase さadditional contributionsざ. This is an opportunity to increase the pension points you will have acquired as of December 31 of the year of your application by 25%. The option you choose is final until you reach age 59.

How much you will be charged

The cost of each point you purchase through the "additional contribution" program is 1.5 times the regular purchase price per point.

Program rules

• If you enter the program at age 55, the number of points you will be able to purchase is capped at 125.
• If you enter the program after the year of your 55th birthday, the maximum number of points you will be able to purchase will decrease by 20% for each year beyond age 55.
• Payment is in installments over the number of years left until you reach age 60.

All veterinarians receive a personalized offer when they reach age 55.

Si vous avez cotisé à la Cavec dans des classes inférieures à celle dans laquelle vous cotisez aujourd’hui, vous pouvez racheter des points au régime complémentaire pour augmenter le montant de votre retraite. 

Cette possibilité est ouverte à partir de 50 ans et jusqu’à 65 ans.

Pour en savoir plus, consultez cette page du site du régime de retraite CAVEC.

Quarters can be purchased for periods that are eligible pursuant to article R.426-13 of the French code of civil aviation, in accordance with the requirements stipulated by article R.426-14 of the same code.
 

To learn more,^please refer to the explanatory notes on purchasing quarter's on CRPN's website

Your pension scheme does not offer a contribution purchasing program.

Certain periods during which you stopped working or worked part-time can be purchased at any time and credited to your CPRPSNCF account.

Periods during which you stopped working

• Unpaid leave of absence in order to raise children ("congé de disponibilité pour éducation d'enfant")
• Parental child-rearing leave ("congé parental d'éducation") which begins once maternity leave has ended and continues until the chlid's 3rd birthday
• Parental presence leave ("congé de présence parentale"), which is available to workers to workers with a dependent child suffering from a serious illness, accident injury, or disability requiring a caregiver
• Unpaid leave of absence available to workers on the basis of a long-term illness, hospitalization, or need to complete a course of treatment.
• Unpaid leave of absence available to workers whose spouse, civil-union (pacs) partner, dependent ascendant, or child is suffering from an illness

Periods of part-time work

• Part-time work in order to raise one or more dependent children under the age of 16
• Part-time work in order to care for a child with a disability that requires round-the-clock care
• Part-time work in order tocare for a spouse or for the worker's or his/her spouse's ascendant or child if that person requires a caregiver following a serious accident or injury

How much you will be charged

Statutory employee's contributions plus an additional 12% contribution will be deducted from your salary. will be deducted from your salary.

These contributions will be calculated and deducted by your employer, SNCF. The deductions are income-tax deductible.

To learn more about purchasing quarters, please refer to CPRPSNCF's website.

Your pension scheme does not offer a program to purchase incomplete years.

If you have current or past part-time employment, you can purchase contributions for the time you did not work. Purchases are capped at :

• 4 quarters,
• Or 8 quarters if you have disabled-worker status and your permanent disability severity rating is 80% or more.

Certain periods of employment outside of the electrical and gas industries can be credited to your CNIEG account if you pay contributions.

Periods of employment abroad (posting)

You are eligible if you temporarily leave your electrical and gas industry employment to work in France or abroad :

• At an organization or company in the electrical and gas field,
• Or at an international organization to which France belongs.

Your period of posting can be credited to your account if the following requirements are met :

• Before you leave, your electrical and gas industry employer must apply to CNIEG to continue your membership in the special scheme,
• Your account can be credited with a maximum period of 5 years, which can be renewed once,
• Your electrical and gas industry employer must pay CNIEG all of the requires employee's and employer's contribution throughout your entire posting.

Business-creation leave ("congés pour création d'entreprise")

You can have your period of leave credited to your account if the following requirements are met :

• During your period of leave, you must not have been charged any contributions by a compulsory basic pension scheme,
• You must apply to CNIEG to have the period credited to your account within a 3-year period following your return to electrical and gas industry employment,
• You and your electrical and gas industry employer must pay CNIEG the contributions that would be due for your period of leave based on your main compensation and the applicable rates on the date of your application.

Up to 24 months of business-creation leave can be credited to your account.

Validation rétroactive de services

Lorsque vous êtes engagé sous contrat à durée indéterminée, les services accomplis préalablement au titre d’engagements temporaires par l’Opéra national de Paris peuvent faire l’objet d’une validation, sous réserve de présenter la demande dans les 2 ans qui suivent la date d’affiliation et du versement rétroactif des cotisations salariales et patronales.

Si la validation de ces services est demandée :

• dans l’année de l’affiliation au régime spécial, les cotisations sont calculées sur une assiette correspondant aux traitements réels,
• après l’expiration du délai d’un an à dater de l’affiliation au régime spécial, les cotisations sont calculées sur le traitement de l’emploi occupé à la date de la demande.

Les taux de cotisations de validation rétroactive de services sont ceux de l’année rachetée.

Les cotisations vieillesse préalablement versées à la sécurité sociale viennent, après leur annulation par le régime général, en déduction des cotisations rétroactives de validation.

Pour les personnels engagés sous CDI à compter du 1er janvier 2017, cette possibilité de validation rétroactive est supprimée.

Rachat de temps partiel

Vos périodes d’activité à temps partiel peuvent être décomptées comme de périodes à temps plein, sous réserve du versement des cotisations (part salariale et part patronale) correspondant à la quotité de temps non travaillé.

Attention : le rachat est limité à 4 trimestres. Cette limite est portée à 8 trimestres pour les assurés handicapés dont l’incapacité permanente est d’au moins 80%.

At the current time, the three schemes administered by IRCEC do not offer a program to purchase.

Cavimac members can only purchase periods of education enrollment or religious training. Purchases can be "rate-only" or "rate plus length of insurance".

To learn more, please refer to the article entitled, "Purchasing quarters for periods of education enrollment".