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  • Schools to close for TT fortnight in 2019

Isle of Man News POSTED Thu 03-11-2016

Schools to close for TT fortnight in 2019

by LC

School holiday dates for 2018/19 have been published by the Department of Education and Children.

The holidays include two weeks off for pupils for TT 2019 – as happened most recently in 2015. Staff will undertake training during TT practice week.

Graham Cregeen MHK , Minister for Education and Children, said: ‘The Department publishes holidays well in advance to enable busy parents to plan. We consult closely with schools and professional associations over the dates.

‘Inevitably, roads are busy during TT and this affects journeys to and from schools, even those not on the TT course, so in considering our holiday pattern for 2018/19, we opted to close schools for the whole fortnight.

‘In addition, we believe parents will welcome the opportunity to take a break at a time when most UK schools are open and therefore the cost of travel may be cheaper.’

The Minister said: ‘Parents with children taking external examinations during TT 2019 are reminded that the dates are set by UK boards and exams will continue through TT.’

Schools will be closed to pupils from Friday 2nd to Friday 9th June inclusive for TT 2017 and Friday 1st to Friday 8th June for TT 2018.

Full school holiday dates to the end of summer term 2019 can be found at www.gov.im

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  • Bank holiday dates for 2019 released

  • Tynwald Day chair to be included in WW1 installation

  • Safety warning over defective throw lines

  • Plans to transform Lord Street site dubbed an ‘important milestone’

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Home   Calendar   Holidays   Isle of Man

Holidays in Isle of Man in 2018

Change Year | Change Holidays | Change Country

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DateWeekdayHoliday NameHoliday Type
Jan 1Monday New Year’s Day Public Holiday
Mar 20Tuesday March equinox Season
Mar 25Sunday Daylight Saving Time starts Clock change/Daylight Saving Time
Mar 30Friday Good Friday Public Holiday
Apr 2Monday Easter Monday Public Holiday
May 7Monday Early May Bank Holiday Public Holiday
May 28Monday Late May Bank Holiday Public Holiday
Jun 8Friday T. T. Bank Holiday Public Holiday
Jun 21Thursday June Solstice Season
Jul 5Thursday Tynwald Day Public Holiday
Aug 27Monday Summer Bank Holiday Public Holiday
Sep 23Sunday September equinox Season
Oct 28Sunday Daylight Saving Time ends Clock change/Daylight Saving Time
Dec 21Friday December Solstice Season
Dec 25Tuesday Christmas Day Public Holiday
Dec 26Wednesday Boxing Day Public Holiday

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rounded text in photoshop 7

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Text in a circle – Photoshop 7

March 17, 2008

After much searching and snooping and deducing I have come to the conclusion that Photoshop 7 and under cannot do this cleanly….but….there is a work around that is sufficiant for my purposes anyways…lol. This work-around distorts the text slightly but I can live with the amount….lol.

If you have photoshop cs , here is a great video tutorial  (for text on a path) and another one here (for text on a closed path), or this one using the marquee tool ……but if you are like me and have 7.0 you can do the following to acheive a “similar” look.

Create a new document, select the Text tool, type your text. Choose the move tool and center your text where you want it. Select the Text tool again and choose the “create warped text” button along your top toolbar….looks like a T with a bent bar underneath it shapedtextbutton.jpg.

Choose arc and horizontal and run the “bend” slider up to 100%….this will produce the first or top half of your circle. Select OK and choose the move tool and center your arc where you want it…. now duplicate this layer (choose layer, duplicate layer), for this duplicate layer choose edit, transform, rotate 180 degrees. Now choose your move tool and move this layer down so that your circle is complete!!

textcircle-photoshp7.jpg

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Posted by Wendy in Digi Tips & Layouts

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8 Comment(s)

Older Comments

  1. Stephen

    May 17, 2009 at 4:14 am

    I’ve also figured out that I can create the circular text in Adobe Illustrator and copy and paste it into the Photoshop file..this is really easy but I guess you have to have Illustator to do that!

    Reply



  2. nachrichten türkei side

    June 9, 2016 at 5:33 am

    Für das Baby kann man auf Basaren oder Flohmärkten günstig tolle Kleider einkaufen.

    Reply



  3. riehner.blogspot.co.at

    June 21, 2016 at 9:18 am

    Allerdings muss man kein Meisterkoch sein, um ein entsprechendes Menü zusammenzustellen und
    selber zu kochen.

    Reply



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    Ryland Homes
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    “ Mastering jQuery Mobile ”
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    “ jQuery Mobile First Look ”
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    “ Adobe Dreamweaver CS5.5: Designing and Developing for Mobile with jQuery, HTML5, and CSS3 ”
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    “ Using the CSS3 Mobile Pack for Adobe Fireworks CS5 ”
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    “ Pro jQuery Mobile ”
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    “ Sams Teach Yourself jQuery Mobile in 10 Minutes (Sams Teach Yourself — Minutes) ”
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    • Wijmo – a complete suite of UI widgets for mobile and web application development
    • Codiqa – rapid jQuery Mobile app prototyping
    • MobiJQ – drag and drop tool for building jQuery Mobile apps
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    • jquery-mobile-iscrollview – JQuery Mobile widget plug-in for easy use of the iScroll javascript scroller
    • jQueryMobile-Rails – Incorporates the jQuery Mobile assets into your Rails application
    • jQueryMobile-Rails – jQuery Mobile assets for Rails 3.1 and greater
    • jQuery Mobile LESS Version – jQuery Mobile converted to LESS
    • Twitter Bootstrap jQuery Mobile Theme – A jQuery Mobile theme based on Twitter Bootstrap
    • jQuery Mobile Icon Pack – Extra icons for your jQuery Mobile project
    • AppBoilerplate – A jQuery mobile application boilerplate aimed at web application and PhoneGap developers including an OS based theme switcher and full plugin support
    • cordova-jquerymobile-boilerplate – Phonegap (cordova) & JQuery Mobile Boilerplate
    • JQuery Mobile Metro Grails Plugin – An experimental Grails project using Metro UI HTML5-based theme on top of JQuery Mobile that mimics Windows Phone 7 native look and feel
    • JQuery Mobile Angular Adapter – Integration between jquery mobile and angular.js. See also the demo
    • Router – Router/controller for jQuery Mobile that adds support for client-side parameters, regexp-based routes, and can be used with Backbone.js or Spine.js
    • jquery-mobile-routerlite – A lightweight and simple router for jQuery Mobile
    • Subpages – Allows multiple pages to be loaded in with a single request
    • Selective DOM caching – Allows pages to be selectively cached using the data-dom-cache attribute on each page. A custom pageshow event handler determines whether to remove the previous page.
    • Jquery.mobile.lazyloader – A jQuery Mobile Widget for lazy loading listviews with AJAX or JSONP calls to a server-side resource.
    • JQuery-Mobile-Slide-Menu – A sliding menu similar to Facebook and Path’s approach to menu design on mobile.
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    • jQuery Mobile stencils for OmniGraffle
    • jQuery Mobile stencils for Visio
    • bookmarklet for debugging jQueryMobile page navigation problems
    • jQuery Mobile Reference 1.1.0 zApp 3.0

    Themes

    • ThemeRoller for Mobile
    • jQuery Mobile BlackBerry 10 Theme and demo
    • Graphite A beautiful and minimalist theme pack and generator for jQuery Mobile 1.2.0
    • iOS Theme by Taitems
    • jQuery Mobile Metro Theme for WP 7.5
    • Twitter Bootstrap jQuery Mobile Theme
    • jQuery Mobile Flat UI Theme
    • jQuery Mobile Square UI Theme
    • Native Droid Theme

    Articles & Tutorials

    • jQuery Mobile Sample: Executive Dashboard  Tutorial 
      miamicoder, Published on March 15th, 2013 by Jorge Ramon
    • jQuery Conference Asia 2012 – Session 4. jQuery Mobile: Common Pitfalls and Gotchas – Alexander Schmitz  Video   Presentation 
      vimeo, Published on December 14th, 2012 by DaVinci
    • jQuery Conference Asia 2012 – Session 2. In-depth look at the mechanics of mobile app framework – Ralph Whitbeck  Video   Presentation 
      vimeo, Published on December 14th, 2012 by DaVinci
    • The Latest Updates to jQuery Mobile  Article   Tutorial 
      Net tuts, Published on Novemver 6th, 2012 by Andy Matthews
    • jQuery Mobile – Web Deliver for All  Video   Presentation 
      YouTube, Published on November 5th, 2012 by Marc Grabanski ( see also the corresponding presentation )
    • Discussing jQuery Mobile and Backbone.js integration with a simple FAQ App  Article   Tutorial 
      Thibault Durand, Published on October 11th, 2012 by Thibault Durand
    • Making a switchable Desktop and Mobile site with ASP.NET MVC 4 and jQuery Mobile  Tutorial 
      Scott Hanselman’s Computer Zen, Published on October 1st, 2012 by Scott Hanselman
    • Mobile Webdev: The Horror  Video 
      InfoQ, Published on September 27th, 2012 by John Bender
    • Creating a custom Knockout binding for the jQuery Mobile ListView  Tutorial 
      Pieter De Rycke’s Blog, Published on September 22nd, 2012 by Pieter De Rycke
    • Building a Movie Rating System with jQuery Mobile and Mobiscroll  Tutorial 
      Mobiscroll, Published on September 11th, 2012 by Levi
    • jQuery Mobile, HTML5 Canvas, & Touch-based Drawing  Tutorial 
      The Rock n Coder, Published on September 9th, 2012 by Troy Miles
    • Working with Exposed Methods in jQuery Mobile  Article   Tutorial 
      Peachpit, Published on September 5th, 2012 by Kris Hadlock
    • Cloud CMS – Serving Content for Your jQuery Mobile App  Video   Tutorial 
      YouTube, Published on September 5th, 2012 by Yong Qu
    • jQuery Conference San Francisco 2012 – Going Deeper with jQuery Mobile – Andy Matthews  Video   Presentation 
      Confreaks, Published on August 22nd, 2012 ( see also the conference presentation )
    • Creating a Twitter App Theme with jQuery Mobile ThemeRoller + Codiqa  Tutorial 
      codiqa blog, Published on August 16th, 2012 by Ben Sperry
    • 12+ jQuery Mobile Layout Plugins and Examples  Article 
      jQuery 4u, Published on August 16th, 2012 by Sam Deering
    • How does one adopt a Responsive Design approach with jQuery Mobile?  Article 
      Quora, Published on August 16th, 2012 by Marc Grabanski
    • Google Analytics within jQuery Mobile  Tutorial 
      MojoTech, Published on August 15th, 2012 by Sam Saccone
    • jQuery Mobile C# ASP.NET  Video   Tutorial 
      Codeplex, Published on August 11th, 2012 by Matthew David Elgert
    • Creating a Mobile WordPress Theme with the jQuery Mobile Library  Tutorial 
      Speckyboy Design Magazine, Published on August 6th, 2012 by Vladislav Davidzon
    • jQuery Mobile – Web Deliver for All  Presentation 
      Slideshare, Published on August 3rd, 2012 by Marc Grabanski ( see also the corresponding video )
    • Four Reasons to Use jQuery Mobile on Any Website  Video 
      Vimeo, Published on August 2nd, 2012 by Marc Grabanski
    • How to “knockout” some templated jQuery Mobile theming  Tutorial 
      Coldwater Software, Published on July 30th, 2012 by Nick Nieslanik
    • Example of form validation in a jQuery Mobile Application  Article   Tutorial 
      Raymond Camden’s Blog, Published on July 30th, 2012 by Raymond Camden
    • 5 Minute guide to a mobile app with jQuery Mobile  Tutorial 
      View Source, Published on July 26th, 2012 by Dennis Lembrée
    • Create A jQuery Mobile Picture Uploader To Amazon S3  Video   Tutorial 
      Pinehead.tv, Published on July 25th, 2012 by Anthony James
    • JQueryMobile for Windows Phone  Article   Tutorial 
      Nokia Developer, Published on July 25th, 2012 by Manikantan K
    • Building Web Presentations Using jQuery Mobile  Tutorial 
      More Tech Tips, Published on July 25th, 2012 by Mike More
    • jQuery Conference San Francisco 2012 – jQuery Mobile keynote – Todd Parker  Video   Presentation 
      Confreaks, Published on July 23rd, 2012 ( see also the conference presentation )
    • PGCompass: PhoneGap Compass  Tutorial 
      The Rock n Coder, Published on July 2nd, 2012 by Troy Miles
    • jQuery Conference San Francisco 2012 – jQuery Mobile keynote – Todd Parker  Presentation 
      Speaker Deck, Published on June 28th, 2012 by Todd Parker ( see also the conference video )
    • jQuery Conference San Francisco 2012 – Going Deeper with jQuery Mobile – Andy Matthews  Presentation 
      andymatthews.net, Published on June 28th, 2012 by Andy Matthews ( see also the conference video )
    • Make a list jQuery Mobile sortable by drag & drop  Tutorial 
      Forresst’s Blog, Published on June 22nd, 2012 by Forresst
    • The jQuery Mobile tutorial  Tutorial 
      The jQuery Mobile tutorial , Tweeted on June 10th, 2012 by Eric Sarrion
    • Building a Simple Mobile-optimized Web App Using the jQuery Mobile Framework  Presentation 
      Slideshare, Published on June 8th, 2012 by Chad Mairn
    • Font Awesome icons now included in jQuery Mobile Icon Pack  Article 
      andymatthews.net, Updated on June 8th, 2012 by Andy Matthews
    • Migrating HTML5-based applications to Windows Phone overnight with Apache Cordova and jQuery Mobile  Article   Video 
      jQuery 4u, Published on June 5th, 2012 by Abu Obeida
    • 4 jQuery Mobile Price Sliders (Range Select)  Article 
      jQuery 4u, Published on June 5th, 2012 by Sam Deering
    • Converting the jQuery Mobile Calculator to PhoneGap  Tutorial 
      The Rock n Coder, Published on June 5th, 2012 by Troy Miles
    • Passing Data Between Pages in jQuery Mobile  Tutorial 
      Ram’s Blog, Published on June 3rd, 2012 by Ram Kulkarni
    • jQuery Mobile Charts  Tutorial 
      The Rock n Coder, Published on May 28th, 2012 by Troy Miles
    • Merging Horde Groupware with jQuery Mobile  Presentation 
      Horde LLC, Published on May 26th, 2012 by Jan Schneider
    • Context Menu Example with jQuery Mobile  Article   Tutorial 
      Raymond Camden’s Blog, Published on May 23rd, 2012 by Raymond Camden
    • Responsive Design in jQuery Mobile using CSS3  Tutorial 
      The Rock n Coder, Published on May 22th, 2012 by Troy Miles
    • Integrating Rails and jQuery Mobile  Article   Tutorial 
      Adobe Developer Connection, Published on May 21st, 2012 by John Bender
    • jQuery Mobile App In Tiggzi Connected to Kinvey Backend  Tutorial 
      Maxa Blog, Published on May 21st, 2012 by Max Katz
    • jQuery Mobile Calculator  Tutorial 
      The Rock n Coder, Published on May 15th, 2012 by Troy Miles
    • Creating jQuery Mobile website themes in Fireworks  Article   Tutorial 
      Adobe Developer Connection, Published on May 7th, 2012 by Michael Dominic
    • Enhanced jQuery mobile support  Tutorial   Video 
      Adobe TV, Published on May 6th, 2012 by James Williamson
    • Windows Phone 7 sports application with Apache Cordova, jQuery Mobile Metro and ESPN API  Article   Tutorial 
      StrathWeb, Published on May 2nd, 2012 by Filip W
    • Introducing the jQuery Mobile Metro Theme  Article   Tutorial   Video 
      ScottLogic, Published on April 30th, 2012 by Colin Eberhardt
    • jQuery Mobile theme integration  Article 
      Mobiscroll, Published on April 30th, 2012 by Levi
    • Please welcome. Metro style theme for jQuery Mobile.  Video 
      Vimeo, Published on April 27th, 2012 by Sergei Grebnov
    • More news from MS Open Tech: announcing the open source Metro style theme for jQuery Mobile  Article 
      [email protected] , Published on April 26th, 2012 by Abu Obeida
    • jQuery UK 2012 – jQuery Mobile Keynote – Todd Parker  Video   Presentation 
      Vimeo, Published on April 24th, 2012 by White October ( see also the conference presentation )
    • Implement responsive design with jQuery Mobile and CSS3  Article   Tutorial 
      IBM Developer Works, Published on April 24th, 2012 by Kris Hadlock
    • Building jQuery Mobile App with StackMob Backend API  Tutorial 
      Maxa Blog, Published on April 18th, 2012 by Max Katz
    • jQuery Mobile 1.1: Smoother, Faster, Nicer  Article 
      Elated, Published on April 16th, 2012 by Matt Doyle
    • jQuery Mobile Development Guide  Tutorial 
      Pinehead.tv, Published on April 16th, 2012 by Anthony James
    • Persistent Navigation in JQuery Mobile  Tutorial 
      intechnica //Blog, Published on March 30th, 2012 by Andy Still
    • jQuery Mobile Autocomplete now available  Article 
      andymatthews.net, Published on March 27th, 2012 by Andy Matthews
    • Example of Autocomplete in jQuery Mobile  Tutorial 
      Raymond Camden’s Blog, Published on March 27th, 2012 by Raymond Camden
    • Coding quickie: jQuery Mobile and dynamically created content  Article   Tutorial 
      Electric Foundry, Published on March 27th, 2012 by Peter Virtanen
    • Developing mobile applications with PhoneGap and JQuery Mobile  Article   Tutorial 
      Pieter De Rycke’s Blog, Published on March 26th, 2012 by Pieter De Rycke
    • jQuery Mobile is Awesome Part 2: Pages and Transitions  Article   Tutorial 
      Codiqa Blog, Published on March 18th, 2012 by Max Lynch
    • jQuery Mobile Best Practices – a one year retrospective  Article   Tutorial 
      Roughly Brilliant, Published on March 14th, 2012 by Shane Gliser
    • Using jQuery Mobile with MVC and Netduino for Home Automation  Article   Tutorial 
      The Code Project, Published on March 14th, 2012 by Dan Thyer
    • jQuery Mobile Tutorial: Creating a Restaurant Picker Web App  Tutorial 
      Noupe, Published on March 8th, 2012 by Stephanie Walter
    • Active button in navbar in Jquery Mobile  Tutorial 
      Yousef Jadallah’s Blog, Published on March 6th, 2012 by Yousef Jadallah
    • Using Backbone.js with jQuery Mobile  Article   Tutorial 
      Christophe Coenraets’ Blog, Published on March 5th, 2012 by Christophe Coenraets
    • jQuery Mobile 101  Tutorial 
      Ubelly, Published on February 27th, 2012 by Shaun Dunne
    • Getting URL parameters in a jQuery Mobile page  Tutorial 
      Raymond Camden’s Blog, Published on February 24th, 2012 by Raymond Camden
    • Build Mobile-Friendly HTML5 Forms with ASP.NET MVC 4 and jQuery Mobile  Tutorial 
      MSDN Magazine , Published on February 23rd, 2012 by Rachel Appel
    • jQuery Mobile Keynote, Presentation by Todd Parker – jQuery UK Conference  Presentation 
      Speaker Deck, Published on February 11th, 2012 by Todd Parker ( see also the conference video )
    • Adding Mobile Views to your Grails Applications with JQuery Mobile: A Real Life Example  Tutorial 
      Tomás Lin’s Programming Brain Dump, Published on February 11th, 2012 by Tomás Lin
    • Using UI components in jQuery Mobile  Article   Tutorial 
      IBM Developer Works, Published on February 8th, 2012 by Kris Hadlock
    • From a List to a Details View using jQueryMobile and Backbone.js  Tutorial 
      The Other Steve Smith, Published on February 7th, 2012 by Steve Smith
    • Please welcome jQuery Mobile Boilerplate  Article 
      andymatthews.net, Published on February 2nd, 2012 by Andy Matthews
    • Building Great Mobile Sites Quickly with jQuery Mobile  Video   Presentation 
      Webvanta, Published on February 2nd, 2012 by Michael Slater and Christopher Haupt
    • jQuery Mobile, HTML5 Mobile App Connected to Parse Mobile Backend  Tutorial 
      Maxa Blog, Published on February 1st, 2012 by Max Katz
    • From a List to a Details View using jQueryMobile and Backbone.js  Tutorial 
      Chariot Solutions, Published on January 30th, 2012 by Steve Smith
    • jQuery Mobile – What You Need to Know  Tutorial 
      1st Web Designer, Published on January 30th, 2012 by Rochester Oliveira
    • jQuery Mobile Tutorials  Tutorial 
      Miami Coder, Published on January 16th, 2012 by Jorge
    • Use the jQuery Mobile API for fine-grained custom control  Article   Tutorial 
      IBM Developer Works, Published on January 10th, 2012 by Kris Hadlock
    • jsRender JSON APIs and jQuery Mobile  Tutorial 
      Roughly Brilliant, Published on January 3rd, 2012 by Shane Gliser
    • How To Improve Mobile Commerce SEO Using JQM  Article   Video 
      Search Engine Land, Published on January 2nd, 2012 by Sherwood Stranieri
    • How to use jQuery Templates and JSON APIs with jQuery  Presentation 
      Roughly Brilliant, Published on December 15th, 2011 by Shane Gliser
    • Introduction to jQuery Mobile  Tutorial 
      Raymond Camden’s Blog, Published on December 15th, 2011 by Raymond Camden
    • Visual Mapper: jQuery Mobile to REST Services  Tutorial 
      Maxa Blog, Published on December 15th, 2011 by Max Katz
    • jQuery Mobile Events Diagram  Article 
      Published on December 10th, 2011 by Brad Broulik
    • Use PhoneGap Media API & jQuery Mobile UI Framework  Tutorial 
      Mobile Developer Works, Published on November 1st, 2011 by Elizabeth Baldwin
    • Passing Data Between Pages in jQuery Mobile  Tutorial 
      Mountaineering Coding, Published on December 1st, 2011 by Ryan Stewart
    • Mobile jQuery Client for Delphi REST Server  Tutorial 
      Marco’s tech world, Published on November 30th, 2011 by Marco Cantù
    • Automated UI Tests for jQuery Mobile Apps Using Selenium  Video 
      Published on November 21st, 2011 by Operation Mobile
    • Three Ways to Implement a Global Menu in jQuery Mobile  Video 
      Roughly Brilliant, Published on November 21st, 2011 by Shane Gliser
    • Create custom jQuery mobile themes  Article   Tutorial 
      IBM Developer Works, Published on November 15th, 2011 by Kris Hadlock
    • ASP.NET MVC 4 Mobile Features (with jQuery Mobile)  Tutorial 
      Published on November 12th, 2011 by Microsoft ASP.NET Team
    • Andy Matthews Tutorials, ranging from introduction to jQuery Mobile to the developmentment of more advanced features and plugins  Tutorial 
      andymatthews.net, Published on February 8th, 2011 and Updated on November 1st, 2011 by Andy Matthews
    • Adobe – Customizable starter design for jQuery Mobile  Tutorial   Article   Video 
      Adobe Developer Connection, Published on October 10th, 2011 by Chris Converse
    • Creating jQuery Mobile website themes in Fireworks using the CSS3 Mobile Pack  Tutorial   Article 
      Adobe Developer Connection, Published on October 3rd, 2011 by Michael Dominic
    • Progressively enable the mobile web with ASP.NET MVC 4, HTML5, and jQuery Mobile  Video 
      Channel 9, Published on September 15th, 2011 by Phil Haack
    • Add charting on mobile browsers with PHP, XML, jQuery and jQuery mobile  Tutorial 
      IBM Developer Works, Published on September 13th, 2011 by Jack D. Herrington
    • Fast Drupal integration  Tutorial   Article 
      Fedex Techie Blog, Published on September 6th, 2011 by Federico M Rinaldi
    • Using jQuery Mobile in SharePoint  Tutorial   Article 
      SharePoint Dev Notes, Published on August 26th, 2011 by Chris Quick
    • Making jQuery Mobile templates even easier – with ColdFusion  Tutorial 
      Coldfusion Jedi, Published on August 26th, 2011 by Raymond Camden
    • jQuery Mobile & Rails  Tutorial   Article 
      Metaskills.net, Published on August 24th, 2011
    • Loading dynamic formatted content in jQuery mobile with .load()  Article 
      Stikki.me, Published on August 18th, 2011 by jzellis
    • Creating a dashboard view with jQuery Mobile  Tutorial   Video 
      jQuery Tutorials TV, Published on July 27th, 2011 by PineheadTV
    • How to add admob to your jQueryMobile app, the right way  Tutorial   Video 
      Pinehead.tv, Published on July 26th, 2011 by Anthony James
    • jQuery Mobile in Visualforce pages  Tutorial 
      Developerforce, Published on July 15th, 2011 by Quinton Wall
    • jQuery Mobile – adding Local Storage  Tutorial 
      Coldfusion Jedi, Published on July 13th, 2011 by Raymond Camden
    • Using and customizing jQuery Mobile themes  Tutorial   Article 
      Adobe Developer Connection, Published on July 11th, 2011 by Matthew David
    • Using Linked Data and jQuery Mobile to produce a podcast explorer web app  Tutorial 
      greenhughes.com, Published on 9 July 2011 by Liam Green-Hughes
    • Building a jQuery Mobile HTML5 App with PhoneGap for Drupal 7, Part 2 – Camera  Tutorial 
      Jeff Linwood, Published on July 8th, 2011 by Jeff Linwood
    • Building a jQuery Mobile HTML5 App with PhoneGap for Drupal 7, Part 1  Tutorial 
      Jeff Linwood, Published on July 7th, 2011 by Jeff Linwood
    • How to style buttons with jQuery Mobile  Tutorial 
      O’Reilly Answers, Published on June 28th, 2011 by chco
    • 50 jQuery Mobile Development Tips  Tutorial 
      jQuery4u, Published on May 31st, 2011 by jquery4u
    • Dreamweaver 5.5 with jQuery Mobile support  Video 
      Adobe TV, Published on April 10th, 2011
    • Video of Boston PHP conference with Todd Parker and Scott Jehl  Video   Presentation 
      Boston PHP, Published on March 14th, 2011 by Michael Bourque
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      Coldfusion Jedi, Published on March 12th, 2011 by Raymond Camden
    • Adding driving directions to a jQuery Mobile web site  Tutorial 
      Coldfusion Jedi, Published on March 9th, 2011 by Raymond Camden
    • jQuery Mobile: It’s Hot  Presentation 
      Coldfusion Jedi, Published on March 4th, 2011 by Raymond Camden
    • jQuery Mobile and JSON  Tutorial 
      IBM Developer Works, Published on March 1st, 2011 by Frank Ableson
    • Dynamically Appending Elements to jQuery Mobile ListView  Tutorial 
      Web Dev .NET, Published on February 24th, 2011 by Elijah Manor
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      andymatthews.net, Published on February 13th, 2011 by Andy Matthews
    • Building with jQuery Mobile: Slides from a talk by Todd Parker and Scott Jehl  Presentation 
      Filament Group, Published on February 11th, 2011 by Filament Group
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      Mobile Tuts, Published on February 2nd, 2011 by Konur Unyelioglu
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      Petefreitag.com, Published on January 10th, 2011 by Pete Freitag
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    tru-built construction inc. statement of cash flows

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    cotisations cadres article 36

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    • Fr


    Jaccède à mon compte retraite

    MY PENSION ENTITLEMENTS
    Retirement age and pension amount
    Your career
    Personal life
    PRACTICAL PENSION INFORMATION
    Pension payments
    Life as a retiree
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    Les applications Info Retraite

    Info Retraite translator

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    Ma retraite mode d’emploi

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    Home page

    MY PENSION ENTITLEMENTS
    Retirement age and pension amount

    • Retirement age and pension amount
    • How much will my pension entitlement be?
    • Saving for your retirement
    • Montants minimums
    • Montants minimums de retraite
    • Low-income benefits
    • Demander ma retraite
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    Your career

    • Employment
    • Employment in another country
    • Employment before age 20
    • Employment with your spouse
    • Part-time employment
    • Interim employment
    • Employment during retirement
    • RSA (Active solidarity allowance)/ employment bonus (“prime d’activité”)
    • “Active category” position or “active category service”
    • Family helper
    • Contributions
    • Working and paying contributions
    • Purchasing contributions
    • Career development
    • Professional training
    • Changing careers
    • Gradual retirement
    • Health
    • Medical leave
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    • Arduous work
    • Periods off work
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    • Leave of absence
    Personal life

    • Family
    • Parental leave
    • Maternity or adoption leave
    • Child-related entitlements
    • Family caregiver for a disabled child
    • Orphans’ entitlements
    • Spouses’ entitlements when a member dies
    • Full-time parents
    • Education
    • Purchasing quarters for years in education
    • Company internships
    • Work/ study programs
    • Inability to work/ disability
    • Disability
    • Disability pension
    • Family caregiver for a disabled adult
    • Service to the nation
    • I have performed military service or been a conscientious objector
    • I have performed civic service in France or abroad
    PRACTICAL PENSION INFORMATION
    Pension payments

    • Pension payments
    • Payment date
    • Changing your banking information
    • Uprating
    • Recalculation and appeals
    • Pension garnishment
    Life as a retiree

    • Life as a retiree
    • Taxes and social security contributions
    • Moving abroad
    • The dependency-related pension top-up for caregiving needs
    • Continuing or going back to work
    • Spouses’ entitlements when a member dies


    Conseiller Info Retraite

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    Simulateur de départ à la retraite anticipée

    Vérifiez si vous êtes concerné par ce départ anticipé

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    2. Retirement age and pension amount

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    • Écouter

    FirstContent

    How much will my pension entitlement be?

    Your age when you decide to stop working will have an impact on your retirement pension entitlement. You can choose to retire once you have reached statutory age or decide to stay on past that age. As a general rule, if you continue to work, the older you are when you retire, the larger your pension entitlement will be- up to a given maximum.

    Indeed, your pension entitlement will be calculated based on the wages, index-related salaries, or other employment income you have earned, as well as on the length of your career.

    Mes services


    • Consulter mon relevé de carrière


    • Simuler ma retraite (âge et montant)

    • Simulateur de départ à la retraite anticipée pour carrière longue

    • Calculer mon âge légal de départ à la retraite

     

    Votre retraite selon votre âge de départ : découvrez notre infographie !

    (cliquez sur l’image)

    Age et montant de la retraite x800.jpg

    YOUR AGE WHEN YOU RETIRE AND THE ENTITLEMENTS ACCRUED AT THAT TIME

    You can retire at a number of different ages. You can choose to retire at statutory age, at the age when the rate reduction ceases to apply, or before or after you have reached that age.

     

    Option N° 1: retiring at statutory age

    • The minimum age at which you can claim your basic retirement pension is called the “statutory retirement age” (“âge légal de départ à la retraite.”) It is determined by the year you were born.
    • Important: If you retire at statutory age, you will not necessarily receive a full-rate retirement pension, which is a pension calculated at the most favorable rate. To be eligible, you will need to have accrued a given number of quarters under all of the pension schemes combined.
    • If you do not have enough quarters for the full rate but retire once you have reached statutory age, the amount of your pension entitlement will be reduced proportionally to the number of missing quarters (rate reduction). This reduction is final and permanent.

     

    To determine the statutory retirement age that applies to you and how many quarters you need, please refer to the information in the box entitled “key figures” later on in this article.

     

    To estimate your pension entitlement if you should retire at that age, please click here .

     

    Important information:

    It is possible to retire before you have reached statutory age, under certain conditions.

    To learn more, please refer to the following articles on Info Retraite’s website :

    • I started working before age 20
    • I am a disabled worker
    • I have had a work-related accident or illness
    • I am receiving a disability pension
    • My work is arduous in nature

     

    Option No. 2: retiring between statutory age and the age when the rate reduction ceases to apply

    If you retire at statutory age but do not have enough quarters under all of the pension schemes combined to be eligible for the full rate, a final and permanent decrease (“décote") that is proportional to the number of missing quarters will be applied to your pension. To receive a retirement pension without a rate decrease, you will need to continue working and accrue quarters until you have reached the required length of insurance.

                                                   To learn more, please refer to the website www.lassuranceretraite.fr

    To simulate your pension entitlement if you should retire at the age, please click here .

    Important information:

    Under certain special circumstances, you may be eligible for a full-rate pension even if you have not accrued the required number of quarters.

    To learn more, please refer to the following articles on Info Retraite’s website:

    • I have raised a disabled child
    • I am or have been a family caregiver for a disabled adult
    • I am a disabled worker

     

    Option No. 3: retiring at the age when the rate reduction no longer applies

    There is an age from which your retirement pension will be calculated without a rate reduction, however many quarters you have accrued.

    Important: even if you are eligible for the most favorable rate, your pension entitlement will still be calculated on a pro rata basis of the number of quarters you accrued under each of the pension schemes to which you have belonged. In other words, even if your retirement pension is calculated without a rate reduction, the amount of your pension can be reduced if your length of insurance is not sufficient.

    You can choose to continue working beyond the age at which the rate reduction ceases to apply as a way to accrue the required length of insurance and increase the amount of your future basic retirement pension.

     

    To check the age at which the rate reduction ceases to apply, please refer to the information in the box entitled “key figures” later on in this article.

    To estimate your pension entitlement if you should retire at that age, please click here.

     

    Option N° 4: retiring with a rate increase (“surcote”)

    If you continue working beyond statutory age and have already accrued the required number of quarters under all pension schemes combined, the amount of your basic retirement pension can be increased: this is known as a rate increase.

    Each additional quarter of work will increase the amount of your retirement pension.

     

    Important information:

    • In most cases, your employer cannot force you to retire before age 70. However, there are some exceptions. To learn more, please contact your human resource department or your employer.
    • You can retire gradually by cutting back to part-time near the end of your career while claiming a portion of your retirement pension.

    To learn more, please refer to the article entitled “ I plan to retire gradually ” on Info Retraite’s website.

    • You can also continue working or start a new job once you have already retired.

     

    To learn more, please refer to the article entitled “ I plan to work during my retirement ” on Info Retraite’s website

    Private-sector employees, non-statutory public sector workers, and artist-authors (l’assurance retraite)

    Key figures

    • Statutory age (“Age légal”)

    Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955.

    • Full rate (“Taux plein”) : maximum rate of 50%
    • Rate reduction (“Décote”) : 1.25% for each missing quarter.
    • Age at which the rate reduction ceases to apply (automatic full rate)

    This occurs at age 67, but ranges from ages 65 to 67 for individuals born before 1955.

    • Rate increase (Surcote)

     

    Each additional calendar quarter that you accrue after January 1st, 2009, will increase your basic retirement pension by 1.25%. For quarters of contributions prior to January 1st, 2009, the rate various based on the number of quarters you have accrued.

    To estimate your pension entitlement if you should retire at various ages, please click here .

    HOW YOUR RETIREMENT PENSION IS CALCULATED

    The amount of your pension entitlement is based both on the age at which you retire and on your average annual salary, meaning the average of your salaries from the best 25 earning years of your career.

     

    Your basic retirement pension is calculated as follows:

                                   Average annual salary (average of your 25 best earning years)

                              X

                                   Rate (this ranges from 37.5 to 50% based on your length of insurance)

                             X

                                                   Length of insurance under the general scheme


                                               Maximum length of insurance based on your year of birth

     

    To estimate your pension entitlement if you should retire at that age, please click here

     

    Full-rate pensions have a lower limit

    If you are awarded a retirement pension at the full rate (“taux plein”), the amount cannot be lower than France’s minimum pension (“minimum contributif”). This is calculated automatically when you retire.

    For this to apply, you will need to meet the following 2 requirements:

    • You must have claimed all of your personal retirement pensions from all of the basic compulsory and supplementary French, foreign, and international organizations’ schemes to which you have belonged
    • And the total combined amount of these pensions must not exceed a certain upper limit (if the limit is exceeded, the share you receive will be reduced).

     

    The minimum amount can be increased if you total at least 120 quarters of contributions (contributions to the compulsory old-age insurance program, voluntary old-age insurance, certain purchased contributions, etc.) under all of the basic schemes combined.

     

    Pension top-ups

    You may be eligible for several types of retirement pension top-ups.

    • The child-rearing top-up

    If you have had 3 or more children, your basic retirement pension will be increased by 10%.

    To learn more, please refer to the article entitled “ I have had children ” on Info Retraite’s website.

    • The caregiver-related top-up

    To learn more, please refer to the article entitled “ The dependency-related pension top-up ” on Info Retraite’s website.



     

    Assurés du régime des cultes (cavimac)

    chiffres clés (cavimac)

    • Âge légal :  62 ans pour les personnes nées à partir de 1955 ; il varie entre 60 et 62 ans pour les personnes nées avant 1955

     

    • Taux plein : taux maximum de 50%

     

    • Décote : 1,25% par trimestre manquant.

     

    • Taux plein automatique : 67 ans ; il varie entre 65 et 67 ans pour les personnes nées avant 1955.

     

    • Surcote

    Chaque trimestre civil supplémentaire travaillé depuis le 1er janvier 2009 augmente le montant de votre retraite de base de 1,25%. Pour les trimestres cotisés avant le 1er janvier 2009, le taux varie en fonction du nombre de trimestres effectués.

    Pour simuler un départ en retraite à différents âges, cliquez ici 

    Le calcul de votre retraite Cavimac

    Le calcul de vos droits à la retraite dépend de la période d’activité cultuelle validée.

     

    Votre activité a été effectuée avant le 1er janvier 1979

    Pour en savoir plus, consultez cette page du site web de la Cavimac

     

    Votre activité a été effectuée entre le 1er janvier 1979 et le 31 décembre 1997

    Pour en savoir plus, consultez cette page du site web de la Cavimac

     

    Votre activité a été effectuée à compter du 1er janvier 1998

    La formule de calcul de votre retraite de base est la suivante :

     

    Salaire annuel moyen (moyenne de vos 25 meilleures années)

    x

    Taux (il varie de 37,5 à 50% selon votre durée d’assurance)

    x

    Durée d’assurance au régime général


    Durée d’assurance maximum en fonction de votre année de naissance

     

     

    Agricultural employees, farmers, and their families (MSA)

    AGRICULTURAL EMPLOYEES

    Key figures

    • Statutory age (“âge légal”)

    Statutory age is 62 for those born in or after 1955 and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”) : 1.25% for each missing quarter
    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your birth year.

    • Rate increase (“surcote”)

    The 1st to the 4th additional quarter that you accrued to your account between January 1st, 2004 and December 31st, 2008 will each increase the amount of your basic retirement pension by 0.75%. The rate increase then rises to 1% beyond the 4th additional quarter and amounts to 1.25% for each additional quarter that you accrue to your account after your 65th birthday.

     

    How your retirement pension will be calculated

    Your retirement pension will be calculated based on your age at retirement as well as on your average annual salary, meaning your average salary from the 25 best earning years of your career.

    Your basic retirement pension will be calculated as follows :

    Average annual salary (average of your 25 best earning years)

    X

    Rate (This ranges from 37.5% to 50% depending on your length of insurance)

    X

    Length of insurance under the general or the agricultural scheme

    _________________

    Length of insurance as determined by your year of birth

     

    To estimate your pension entitlement if you should retire at that age, please click here

    Your minimum pension entitlement

    If you are awarded a retirement pension at the full rate (“taux plein”), the amount of your entitlement cannot be lower than France’s minimum pension (“minimum contributif”). This will be calculated automatically when you claim your pension.

    For this to apply, you will need to meet the following 2 requirements :

    • You must have claimed all of your personal retirement pensions from all of the basic compulsory and supplementary French, foreign, and international organizations’ schemes to which you have belonged
    • And the total combined amount of these pensions must not exceed a certain upper limit (if the limit is exceeded, the share you receive will be reduced).

    The minimum amount can be increased if you total at least 120 quarters of contributions (contributions to the compulsory old-age insurance program, voluntary old-age insurance, certain purchased contributions, etc.) under all of the basic schemes combined.

     

    Pension top-ups

    You may be eligible for several types of retirement pension top-ups.

    • The child-rearing top-up

    If you have had 3 or more children, your basic retirement pension will be increased by 10%.

    To learn more, please refer to the article entitled “I have had children ”

    • The caregiver-related top-up

    To learn more, please refer to the article entitled “ The dependency-related pension top-up ”

     

    The AGIRC ARRCO supplementary retirement pension

    Your supplementary retirement pension is calculated on a point-based system. In order to claim, you will need to meet the same age and length of contribution requirements as for your basic retirement pension.

    Your supplementary retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point

    Farmers

    Key figures

    • Statutory age (“Age légal”)

    Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”)

    A rate reduction of 1.25% to 2.5% (as determined by your year of birth) will be applied for each missing quarter.

    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your year of birth.

    • Rate increase (“surcote”) : 1.25% for each additional quarter

     

    How your self-employed agricultural scheme pension will be calculated

    Your basic retirement pension award is made up of the following :

    • A fixed-rate pension (if your self-employment under the agricultural scheme was your sole or main occupation). The full amount of this pension will be based on your length of self-employment under the agricultural scheme and on the length of your career as determined by your year of birth
    • And a proportional, points-based pension accrued through contributions; your number of points will be determined by your status.

     

    You will be eligible for the proportional retirement pension if you are the head of a farm or farming business, a farm or farming business family helper (“aide familial agricole” status) (for the portion of your career credited to your account from January 1st, 1994) or a farm or farming business contributing spouse (“conjoint collaborateur” status) (for the portion of your career credited to your account from January 1st, 1999).

     

    Contribution rates for contributing spouses and family members are calculated on a notional basis and the number of points has been set at 16.

     

    Your required number of points if you are running a farm or farming business will be determined based on your earned income : the range is from 23 to 107 points, as determined by the applicable scale.

     

    Your proportional retirement pension will be calculated as follows :

    Number of points

    X

    Value of the point

    X

    37.5 years in length of insurance

    _____________________________________________________________________

    Length of insurance as determined by your year of birth

     

    Compulsory supplementary retirement pension (“Retraite complémentaire obligatoire/ RCO)

    Your compulsory supplementary retirement pension (RCO) takes account of the points you have accrued through contributions and/or those credited to your account free of charge.

    Your supplementary retirement pension will be calculated as follows :

    Number of pension points accrued through contributions or credited free of charge

    X

    Value of the point

    To learn more, please refer to MSA’s website .

    Supplementary pension scheme for salaried workers in industry, retail, services, and agriculture (AGIRC-ARRCO)

    Key figures (Agirc-arrco)

    The minimum age in order to be eligible for a supplementary pension is 57. However, as this is lower than the statutory age, a reduction factor will apply and the amount of your retirement pension will be permanently decreased. This factor is based on the age at which you decide to retire.

    For more information, please refer to Agirc-Arrco’s online information on reduction factors .

     

    Statutory retirement age

    Statutory retirement age is 62 for individuals born in 1955 and after and ranges from 60 to 62 for those born prior to 1955. To be eligible for a full-rate supplementary pension at that age, you will need to have accrued the required number of quarters.

    • If you have been awarded your basic retirement pension at the full rate due to special circumstances such as unfitness for work, you may also be awarded your supplementary retirement pension at the full rate.
    • If you are awarded your basic retirement pension at less than the full rate, a reduction factor will apply and the amount of your supplementary retirement pension will be permanently reduced. This reduction factor is based on your age or the number of quarters you have when you choose to retire.

     

    Important information

    Special measures apply to the Agirc pension for the C bracket (management personnel (“cadre” status) whose salary is more than 4 times the social security ceiling.)

                                To learn more, please refer to Agirc Arrco’s website

     

    Age for an automatic full rate

    The age for an automatic full rate is 67, but ranges from 65 to 67 for individuals born prior to 1955.

    To estimate your pension entitlement if you should retire at various ages, please click here

     

    Specific measures apply to the Agirc pension for the C bracket (entitlements accrued by management personnel (“cadre” status) on the portion of their salary that exceeds 4 times the social security ceiling.

                    To learn more, please refer to Agirc Arrco’s website .

    How your pension is calculated (Agirc Arrco)

    Your supplementary retirement pension is calculated as follows :

     

                                                   Gross annual amount =

                                                   Total number of points

                                                                   X

                                                   Value of the point

     

    This amount can be reduced if you do not qualify for a supplementary retirement pension at the full rate. However, you may be eligible for family-related top-ups.

                                             Read the article entitled “ I have had children ” on Info Retraite’s website

     

    If you were born on or after January 1st, 1957, and are planning to retire after December 31, 2018: a temporary increase or reduction may apply to your supplementary pension entitlement.

     

    • The temporary increase

    Salaried workers who qualify for the full rate under the basic retirement schemes and put off claiming their supplementary retirement pension by at least 2 years will be awarded a 1-year increase in their supplementary retirement pension. This temporary increase is awarded at a rate of :

    – 10% if they put off claiming their supplementary retirement pension by 2 years,
    – 20% if they put off claiming their supplementary retirement pension by 3 years,
    – 30% if they put off claiming their supplementary retirement pension by 4 years.

    Salaried workers who continue to work without claiming their entitlements under any of the basic schemes will continue to accrue pension points and may be eligible for a rate increase (pop up explication) under the basic scheme.

     

    • The temporary reduction

    A temporary reduction will apply to your supplementary retirement pension when you begin claiming a full-rate pension under the basic schemes. This reduction will apply at a rate of 10% for 3 years, up to age 67 at the latest.

     

    It does not apply to pensions for retirees in the following categories :

    – Those exempt from CSG contributions (for retirees who pay CSG contributions at a reduced rate, the temporary reduction will apply at a rate of 5% rather than 10%).
    – Those with a disability,
    – Those who have retired through the asbestos program,
    – Those who have retired on medical grounds,
    – Those who have raised a disabled child or are receiving a family caregiver’s pension.

    The supplementary pension program for civil aviation cabin crew (CRPN)

    Key figures (CRPN)

    Statutory age

    You can claim your supplementary pension entitlement :

    • Starting at age 50 if you meet the age and length-of-career requirements,
    • Starting at age 60, with no reduction and no length-of-career requirement

    To learn more, please refer to the online memo on requirements for claiming your pension at www.crpn.fr

     

    Full rate

    Following a 10-year period of transition from 2012 to 2012, pensions will be paid at the full rate (“taux plein”) to retirees with a total career of at least 30 years.

    To learn more, please refer to CRPN’s website

     

    Rate reduction (“décote”)

    Following a 10-year period of transition from 2012 to 2021, if the above requirement for the full rate is not met, pensions will be paid with a rate reduction of 5% per missing year out of the required 30-year period.

                                                                                                                  To learn more, please refer to CRPN’s website

     

    How your retirement pension is calculated (crpn)

    Your pension will be calculated based on the total periods of earnings that have been credited to your account and on the entirety of those earnings. A pension rate will apply and your entitlement will be appreciated on the basis of a calculation index (which will increase according to INSEE’s index of inflation).

                To learn more, please refer to the online memo on requirements for claiming your pension at www.crpn.fr

    Your minimum pension award

    • If you total more than 25 years of earnings out of your total length of contributions to CRPN, your retirement pension as calculated before any rate reduction is applied cannot be lower than 2% of the annual ceiling per year of contributions or year you have purchased.
    • One-time payment:

    If your monthly entitlement would be less than 2% of the monthly social security ceiling, a one-time payment is made in lieu of a monthly pension payment.

                                                   Please contact CRPN for more information.

    Types of pension top-ups

    • The temporary increase (“Majoration temporaire”)

    You may be awarded a temporary increase on top of your monthly retirement pension, depending on your age and if you have been awarded your pension without a rate reduction (“décote”) (pop up définition).

    • The bonus (“Bonification”)

    A bonus will be added on to your monthly pension if you have had or raised at least 3 children for 9 years during your period of contributions to CRPN.

     

    Electrical and gas industry employees (CNIEG)

    Key figures (CNIEG)

    Statutory age (“Age légal”)

    Statutory retirement age is 60 and will gradually increase to 62 for those born in 1957 or later.

    To estimate your pension entitlement if you should retire at various ages, please use CNIEG’s pension estimator .

    Rate reduction (“Décote”)

    The rate reduction is 0.125% for each missing quarter. It will gradually increase to 1.25% from July 1st, 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply at pensionable age, plus a predetermined number of quarters.

               To determine the age from which you will not be eligible for a rate reduction, please refer to

    CNIEG’s table .

     

    Rate increase (“Surcote”)

    A 1.25% rate increase will apply for each additional quarter you accrue to your account.

    How your pension entitlement is calculated (CNIEG)

    The amount of your pension entitlement will be based on your age at retirement as well as on the annual salary that is used for the calculation. It is determined using the following 3 factors :

    • The last job classification index number (“coefficient hiérarchique”), including seniority (“ancienneté”), which you had had for at least 6 months before you stopped acccruing periods of service to your account. The 6-month requirement does not apply to pensions claimed following disability, death, or medical leave (long-term illness, industrial accident, or work-related illness).
    • The latest value of the national base salary
    • The latest value of the cost-of-living top-up (“majoration résidentielle”)

    The amount of the year’s-end bonus (“gratification de fin d’année”) will be added on to the above annual salary.

    Salaries for any part-time work will be taken into account and treated as full-time earnings.

     

    Your retirement pension will be calculated as follows :

    Salary basis (annual salary used to calculate your pension entitlement)

    X

    75% (full rate)

     

    Length of compensation in the Electrical and Gas industry (periods of earnings)/ Required length in the Electrical and Gas industry (number of quarters required for the maximum rate of 75%)

    X

    Rate reduction factor (“Coefficient de décote”) or Rate increase factor (“Coefficient de surcote”)

    X

    Child-rearing top-up factor

     

    Minimum pension award

    Your monthly retirement pension cannot be below a given minimum amount if you meet the 2 eligibility requirements below. You will need :

    • At least 15 years of service,
    • And to pass the means test.

    To learn more, please refer to CNIEG’s website .

    The child-rearing top-up

    If you have had three or more children, your retirement pension will be topped up if you meet certain requirements.

    To learn more, please refer to the article entitled “ I have had children ” on Info Retraite’s website.

    State civil servants, magistrates, and members of the armed forces (SRE)

    Key figures (SRE)

    Statutory age (“âge légal”)

    Statutory retirement age for the sedentary category (“catégorie sédentaire”) ranges from 60 to 62 depending on your birth year and from 55 to 57 for the active category (“catégorie active”). It ranges from 50 to 52 with length-of-service requirements for certain roles such as national police officers, prison guards, and air traffic controllers on active duty.

    Retirement age for members of the armed forces is based on length of service. The required length of service for pension eligibility and the age limits for each rank are being gradually increased by 2 years, according to the same schedule and the same rules as for civil servants. Officers who would originally have been eligible for retirement at age 50 will now be able to retire at age 52.

    Please refer to SRE’s website for more information on statutory retirement age

    Rate reduction (“décote”) :

    A rate reduction of 1.25% will apply for each missing quarter, up to a maximum of 20 quarters.

    Age at which the rate reduction (“décote”)  eases to apply :

    For the sedentary category (“catégorie sédentaire”), the rate reduction ceases to apply between the ages of 63 plus 4 months and 67, depending on your date of birth. For the active category, it ceases to apply between the ages of 57 plus 9 months and 62.

    Please refer to SRE’s website for more information on statutory retirement age

    Rate increase (“surcote”) : 1.25% for each additional quarter

    To estimate your pension entitlement if you should retire at various ages, please click here

    How your retirement pension is calculated (SRE)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base index-related salary, which is from the last position, grade, and step you had held for at least the last 6 months that were credited to your account.

    Your pension entitlement will be calculated as follows :

    Gross index-related salary

    X

    Number of quarters accrued (plus any bonuses)

    X

    Pension rate

    X

    Reduction factor (rate reduction) or increase factor (rate increase)

     

    The amount of your entitlement cannot exceed 75% (if your pension is based only on actual service) or 80% of your gross index-related salary (if your pension is based on actual service plus bonuses).

     

    Your minimum pension award

    You may be entitled to the guaranteed minimum pension if one of the following requirements applies :

    • You have accrued the required number of quarters (full length of insurance)
    • Or you have reached the age at which the rate reduction no longer applies, minus a predetermined number of quarters for the guaranteed minimum to apply.

    To learn more, please refer to SRE’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                                   To learn more, please refer to the article entitled “ J’ai eu des enfants ” on Info

    Retraite’s website.

    Regional and hospital-based civil servants (cnracl)

    Key figures (cnracl)

    Statutory age (“Age légal”)

    Statutory age ranges from 60 to 62 for the sedentary category (“catégorie sédentaire”) depending on your year of birth; from 55 to 57 for the active category (“catégorie active”), and from 50 to 52 for the hazardous category (“catégorie insalubre”).

    Rate reduction (“Décote”) : 1.25% per missing quarter for individuals born in 1954 and beyond.
     

    Age at which the rate reduction ceases to apply :

    The age at which the rate reduction ceases to apply depends on your birth year. It ranges from 65 to 67 for the sedentary category (“catégorie sédentaire”), from 60 to 62 for the active category (“catégorie active”), and from 55 to 57 for the hazardous category (“catégorie insalubre”).

    Rate increase (“surcote”) : 1.25% for each additional quarter

    To estimate your pension entitlement if you should retire at that age, please click here

    How your retirement pension is calculated (CNRACL)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base index-related salary, which is from the last position, grade, and step you had held for at least the last 6 months that were credited to your account.

    Your pension entitlement will be calculated as follows :

    Number of quarters accrued (plus any bonuses)

    X

    75% (full rate)


    Number of quarters required for a full-rate pension

    X

    Gross index-related salary

     

    The amount of your entitlement cannot exceed 75% (if your pension is based only on actual service) or 80% of your gross index-related salary (if your pension is based on actual service plus bonuses).

     

    Your minimum pension award

    You may be entitled to the guaranteed minimum pension if one of the following requirements applies :

    • You have accrued the required number of quarters for the full rate (“taux plein”).
    • Or you have reached the age at which the rate reduction no longer applies, minus a predetermined number of quarters for the guaranteed minimum to apply.
    • Or you have claimed your retirement pension under special circumstances (such as disability)

    To learn more, please refer to CNRACL’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                            To learn more, please refer to the article entitled “ J’ai eu des enfants ”

    State workers (“Ouvriers d’Etat” FSPOEIE)

    Key figures (FSPOEIE)

    Statutory age (“Age légal”)

    Statutory age ranges from 60 to 62 for the sedentary category (“catégorie sédentaire”) depending on your year of birth; from 55 to 57 for the active category (“catégorie active”), and from 50 to 52 for the hazardous category (“catégorie insalubre).

     

    Rate reduction (“Décote”) : 1.25% per missing quarter for workers born after 1954.

    Age at which the rate reduction ceases to apply :

    The age at which the rate reduction ceases to apply depends on your birth year. It ranges from 65 to 67 for the sedentary category (“catégorie sédentaire”), from 60 to 62 for the active category (“catégorie active”), and from 55 to 57 for the hazardous category (“catégorie insalubre”).

     

    Rate increase (“surcote”) : 1.25% for each additional quarter

    How your retirement pension is calculated (FSPOEIE)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base salary.

    Your pension entitlement will be calculated as follows :

    Number of quarters

    X

    75% (full rate)

    X

    Base salary


    Number of quarters required for a full-rate pension.

                                                   To learn more, please refer to FSPOEIE’s website.

     

    Your minimum pension award

    You may be entitled to the minimum pension :

    • if you have accrued the required number of quarters for the full rate,
    • or if you have reached the age at which the rate reduction no longer applies, minus a specially determined number of quarters.

    To learn more, please refer to FSPOEIE’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                            To learn more, please refer to the article entitled “ J’ai eu des enfants ”

     

    Civil servants’ additional retirement pension (RAFP)

     

    Key figures (rafp)

    • You will need to have reached statutory retirement age (“âge légal de départ”) in order to claim your civil servants’ additional retirement pension (RAFP).
    • You can postpone claiming your additional retirement pension up to age 75 at the latest. A top-up will apply to the amount once you have passed statutory age.
    • Any rate increase will be awarded as a top-up factor which will apply to the amount of your RAFP pension. It will adjust your monthly award based on your age at the effective date for this benefit.

     

     

    How your retirement pension is calculated (RAFP)

    Your civil servants’ additional retirement pension (RAFP) can be paid in 2 different ways, depending on your number of points :

    • As a monthly annuity

    Your gross annual pension will be calculated as follows:

    Number of points

    X

    Top-up factor

    X

    Value of service (“valeur de service”) of the point

    • As a one-time payment

    The gross one-time payment is calculated in the same way as the gross annual pension.

                                                   For more information, please refer to RAFP’s website

     

    SNCF workers (cprpsncf)

    Key figures (cprpsncf)

    Statutory age (“âge légal”)

    Statutory age ranges from 55 to 57 for SNCF workers on sedentary duties (“service sédentaire”) and from 50 to 52 for train drivers.

     

    Rate reduction (“décote”)

    The rate reduction will increase from 0.125% to 1.25% per missing quarter between July 1st, 2010 and 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 51 and 58, depending on the date you became eligible for a retirement pension (between ages 50 and 52 or between ages 55 and 57).

     

    Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter accrued between July 1st, 2008 and December 31, 2008. The rate increase is 1.25% for additional quarters accrued on or after January 1st, 2009.

    How your retirement pension is calculated (CPRPSNCF)

    The amount of your pension award depends on your age at retirement as well as on your base salary. Indeed, your retirement pension will be calculated based on the last position, rank, and employment bonus category that you held for at least 6 months prior to your retirement.

    Your pension will be calculated as follows :

    Base salary

    X

    SNCF quarters accrued

    _________________

    Required number of quarters

    X

    75% (full rate)

    X

    Any rate reduction or rate increase

    To estimate your pension entitlement at various ages, an online pension calculator is available on

    CPRPSNCF’s website .

     

    Your minimum pension entitlement

    If your retirement pension comes to amount that is less than the minimum guaranteed by the SNCF personnel’s special pension scheme (“Régime special de retraite du personnel de la SNCF”) and you meet the eligibility requirements, your pension award will be brought up to that minimum amount when you retire.

                To learn more about the eligibility requirements for the guaranteed minimum as well as the

    amount, please refer to CPRPSNCF’s website

     

    The child-rearing top-up

    If you have had three or more children, your retirement pension can be topped up if you meet the eligibility requirements

                To learn more, please refer to the article entitled “ I have had children ”

     

     

    Opéra national de Paris personel (CROPERA)

    Key figures (cropera)

    Statutory age (“âge légal”)

    Statutory age depends on your job category. To determine the age at which you will be eligible to retire based on your birth year, please contact Cropera .

     

    Rate reduction

    The rate reduction will be increasing from 0.125% to 1.25% for each missing quarter between July 2010 and 2019.

     

    Age at which the rate reduction ceases to apply

    The age at which the rate reduction ceases to apply varies by job category and has been determined as follows by birth year :

    July 1970 for dancers (age increase from 40 to 42 for those born in July 1972),
    July 1960 for choir members (age increase from 50 to 60 for those born in 1972),
    July 1950 for musicians (age increase from 60 to 62 for those born in July 1952),
    July 1955 for technicians with early retirement (age increase from 55 to 62 for those born in July 1969),
    July 1955 for technicians without early retirement (age increase from 55 to 67 for those born in July 1969),
    July 1950 for administrative and other personnel (age increase from 60 to 67 for those born in July 1964).

    To determine the age from which you will no longer be eligible for a rate reduction, please contact Cropera .

     

    Rate increase

    Each additional quarter you accrued between July 1st and December 31st, 2008, if you were beyond statutory retirement age and had reached age 60, will increase your retirement pension entitlement by 0.75% ; those accrued in 2009 or later will increase your entitlement by 1.25%.

     

    How your retirement pension is calculated (CROPERA)

    The amount of your pension entitlement will be determined based on the length of your career as well as on the average base salary you earned:

    • Over your 3 best consecutive years for artistic staff,
    • Or over the past 6 months for other staff.

    Your retirement pension will be calculated as follows :

    75%

    X

    Average base salary

    X

    Number of quarters credited to your account

    _________________________________

    Number of quarters required for a full rate pension

     

    Your minimum pension award

    If you are awarded a pension at the full rate (“taux plein”) (pop up définition) or if special circumstances apply, the amount of your award cannot be lower than the guaranteed minimum

    Please contact Cropera for more information .

    The child-rearing top-up

    If you have had three or more children, your pension award will be increased if you meet the eligibility requirements.

                To learn more, please refer to the article entitled “ I have had children ”

     

    Notary’s clerks and employees (CRPCEN)

    Key figures (crpcen)

    Statutory age (“âge légal”)

    Statutory age is 60 and will be gradually moving up to 62 for those born in 1957 and later.

    To determine the age at which you will be eligible to retire based on your birth year, please

    refer to CRPCEN’s website.

     

    Rate reduction (“décote”)

    The rate reduction will increase from 0.125% to 1.25% per missing quarter between July 1st, 2010 and July 1st, 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 61 and 63 for members born prior to 1957 and between ages 63 plus four months and 67 for those born in or after 1957.

     

    Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter accrued between July 1st, 2008 and December 31, 2008. The rate increase is 1.25% for additional quarters accrued on or after January 1st, 2009.

     

    How your retirement pension is calculated (crpcen)

    Your retirement pension will be calculated based on your age at retirement as well as on your average annual salary. This is the average of your earnings, as adjusted for inflation, from your 10 best calendar years of insurance.

     

    If your total period of notarial work comes to under 10 years, your average annual salary will be calculated on a pro rata basis.

     

    Your pension entitlement will be calculated as follows :

    Average annual salary

    X

    Number of CRPCEN quarters credited to your account (total periods, plus any child-related insurance length increases)

    X

    75%

    ___________________________________

    Required number of quarters for the maximum rate (required number of quarters for the maximum CRPCEN pension %, which is 75%)

    X

    Any rate reduction or rate increase

     

    Top-ups to your pension award

    You can be awarded several top-ups in addition to your pension award :

    • The child-rearing top-up

    If you have had three or more children, your pension award will be increased if you meet the eligibility requirements.

                To learn more, please refer to the article entitled “ I have had children ”.

    • The seniority top-up (“majoration ancienneté”)

    If you are already eligible for the maximum rate of 75% and continue working beyond a given age (between ages 65 and 67 as determined by your date of birth), your retirement pension can be topped up by 5% for each full year of contributions beyond that age, up to a maximum of 25%. This top-up can be awarded in addition to any rate increase (“surcote.”).

     

    Special rules for France’s Alsace-Moselle area

    If you have current or past notarial employment in France’s Bas-Rhin, Haut-Rhin, or Moselle department(s), special rules apply once you have claimed your pension from the general scheme.

                            Please contact your pension scheme for more information

     

    Private-practice professionals (CNAVPL’s 10 funds)

    Key figures (cnavpl)

    Statutory age (“Age légal”)

    • Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955
    • Rate reduction (“décote”) : 1.25% for each missing quarter, up to a maximum of 20 quarters
    • Age at which the rate reduction ceases to apply : the rate reduction ceases to apply between ages 65 and 67, as determined by your year of birth.
    • Rate increase (“surcote”) :0.75% for each additional quarter of contributions accrued from January 1st, 2004.

    How your retirement pension is calculated (CNAPL)

    The amount of your pension entitlement will depend on the length of your career, your age at retirement, and the number of points you have accrued through contributions.

    Indeed, your retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point (this was 0.5626 € in 2016)

    To estimate your pension entitlement if you should retire at that age, please click here

    Additional points you can be awarded

    If you meet the eligibility requirements, you will be awarded additional points from the general scheme if you have had children , and if you currently are or have previously been unable to perform your duties for a period of at least 6 months.

    CIPAV supplementary pension

     

    Age of eligibility for the supplementary retirement pension

    You can claim your supplementary pension :

    You can claim your supplementary pension :
    Before age 60If you have claimed your basic retirement pension on the basis of a long career
    Between ages 60 and 65
    • At the full rate (“taux plein”), if you have been awarded your basic-scheme pension at the full rate,
    • Or with the same discount that applies to your basic pension, or with a final and permanent 5% reduction for each year your claim is early if you have not claimed your basic retirement pension.
    At age 65 or later
    • At the full rate (“taux plein”)
    • Or with a 5% increase for each full year you have postponed your claim (this increase applies to the points accrued for your first 30 years of contributions) if you have a total of 30 years of Cipav membership at age 65.

     

    How your supplementary retirement pension will be calculated

    You have accrued pension points through the contributions you have paid throughout your career in private practice. The total number of these points is used to calculate your supplementary retirement pension according to the method below :

    Number of points accrued

    X

    The annual value of the supplementary scheme point

     

    Top-ups to your entitlement

    • 36 points are awarded for inability to perform your duties,
    • Your entitlement will be increased by 10% if you have had or raised at least three children for 9 years up to their 16th birthday.
    Chartered accountants’ supplementary pension scheme (cavec)

     

    The pension points you have accrued under the basic plus the supplementary pension schemes will be used to calculate your future retirement pension.

    Your supplementary pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point under the supplementary scheme (this value was set at 1.123 € on January 1st, 2016)

    For an individualized estimate of your pension entitlement, log into your online “Ma Cavec” (My Cavec) account and click on the “future retraite” (future pension) tab.

    Notaries’ supplementary pension scheme (crn)

     

    CRN’s supplementary pension scheme is compulsory.

    Retiring prior to full-rate entitlement

    If you retire prior to the age of full-rate entitlement, the amount of your pension will be permanently discounted by 1.25% for each quarter you retire early, up to a maximum of 25%.

    However, if you stop working before the age of full-rate entitlement, you can postpone claiming your supplementary pension by one or more years in order to reduce or avoid the discount that would normally apply.

    Retiring after the age of full-rate entitlement

    A rate increase of 0.5% per additional quarter of work will apply to your supplementary pension, up to the maximum age of 70.

                To learn more about how your supplementary pension will be calculated, please refer to CRN’s website .

     

    Veterinarians (CARPV)

     

    The Veterinarians’ Supplementary Scheme (“Régime Complémentaire des Vétérinaires”/ RC) only takes account of age when determining any rate reduction. The age of full-rate supplementary pension entitlement is 65.

    Your supplementary retirement pension will be calculated as follows :

    Number of points

    X

    Value of the point

    X

    Rate reduction factor

    Doctors’ supplementary pension schemes (CARMF)

     

    Your supplementary old-age insurance scheme (“Régime complémentaire vieillesse/ RCV) and your supplementary old-age benefits scheme (“Régime des allocations supplémentaires de vieillesse/ ASV) only take account of contributions. Indeed, unlike the general scheme, there is no length of insurance requirement.

    Full-rate pension

    • From age 65,
    • Between ages 62 and 64 (if unfit for work)

    Retiring with a penalty

    If you retire before age 65, your pension award will be permanently lowered by 5% for each year you retire early, up to a maximum of 15%.

    Early retirement penalty factors
    AgeValue
    At age 620.85
    At age 630.90
    At age 640.95

     

    Example :

    A doctor who turns 63 on April 3, 2017 claims his retirement pension with an effective date of July 1st, 2017.

    The RCV and ASV pensions will be awarded with a permanent discount of 10%, even if the claimant is entitled to a full-rate pension under the general scheme.

    Your supplementary retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any rate reductions

    Retraite complémentaire des auxiliaires médicaux libéraux (CARPIMKO)

    Régime complémentaire

    Dispositions mises en œuvre depuis le 1er janvier 2016

     

    • Vous êtes né après le 1er janvier 1961

    La retraite pourra vous être attribuée à taux plein à partir de 62 ans et avant 67 ans, si vous avez pris votre retraite dans le régime de base en réunissant le nombre de trimestres requis.

     

    Nombre de trimestres requis pour prendre votre retraite de base à taux plein

    Date de naissance  

    Nombre de trimestres requis 

    1961 à 1963

    168

    1964 à 1966

    169

    1967 à 1969

    170

    1970 à 1972

    171

    à partir de 1973

    172

     

    Si vous ne réunissez pas ces conditions pour prendre votre retraite complémentaire, un abattement de 1,25% sera appliqué sur la retraite (sauf dans des cas particuliers).

    Si vous prenez votre retraite après l’âge du taux plein automatique ou après avoir acquis tous les trimestres requis pour obtenir votre retraite à taux plein, une majoration de votre retraite complémentaire vous est accordée : 1,25% par trimestre supplémentaire, dans la limite de 20 trimestres.

     

    • Vous êtes né avant le 1er janvier 1961

    La retraite pourra vous être attribuée à taux plein :

    à 60 ans si vous êtes né avant 1956

     

    à 60 ans + 4 mois si vous êtes né en 1956  

    166 trimestres requis  

    à 60 ans + 8 mois si vous êtes né en 1957

    166 trimestres requis

    à 61 ans si vous êtes né en 1958

    167 trimestres requis

    à 61 ans + 4 mois si vous êtes né en 1959

    167 trimestres requis

    à 61 ans + 8 mois si vous êtes né en 1960

    167 trimestres requis

     

    La retraite pourra vous être attribuée à taux plein quelle que soit votre durée d’assurance :

    à 65 ans

    si vous êtes né avant 1956  

    à 65 ans + 4 mois  

    si vous êtes né en 1956

    à 65 ans + 8 mois

    si vous êtes né en 1957

    à 66 ans

    si vous êtes né en 1958

    à 66 ans + 4 mois

    si vous êtes né en 1959

    à 66 ans + 8 mois

    si vous êtes né en 1960

     

    La retraite pourra être accordée avant cet âge, mais un abattement sera calculé comme suit (sauf dans des cas particuliers).

    Abattement selon votre date de naissance et votre situation :

    si vous êtes né avant le 1er janvier 1956

    •  4% par année d’anticipation par rapport à 65 ans

    •  et 0,25% par trimestre manquant pour pouvoir prendre votre retraite de base à taux plein, dans la limite du nombre de trimestres séparant des 65 ans.

    si vous êtes né entre le 1er janvier 1956 et le 31 décembre 1960

    1,25% par trimestre manquant pour pouvoir prendre votre retraite de base à taux plein, dans la limite du nombre de trimestres qui vous sépare de l’âge du taux plein automatique (soit entre 65 ans + 4 mois et 66 ans + 8 mois).

     

    Si vous prenez votre retraite après l’âge du taux plein automatique ou après avoir acquis tous les trimestres requis pour obtenir votre retraite à taux plein, une majoration de votre retraite complémentaire vous est accordée : 1,25% par trimestre supplémentaire, dans la limite de 20 trimestres.

    Régime des praticiens conventionnés (ASV)

    Age légal

    Départ à 65 ans

    sans condition de cessation de l’activité libérale

    Départ entre 60 et 64 ans

    avec condition de cessation de toute activité pour inaptitude au travail

    Départ entre 60 et 64 ans

    sans condition de cessation de l’activité libérale :

    • par anticipation volontaire avec application d’un abattement (de 25 à 5% de 60 à 64 ans)

    • pour les invalides (retraite militaire d’invalidité)

    • pour les anciens combattants et anciens prisonniers de guerre

    • pour les déportés et internés.

     

    Durée d’activité minimum 

    Une année d’exercice libéral sous convention ayant donné lieu au versement de la cotisation.

     

    Calcul de la prestation

    Valeur du point (voir le tableau ci-dessous)

    x

    Nombre de points acquis par cotisation

     

    A noter :

    Les cotisations arriérées qui n’ont pas été acquittées dans le délai de 5 ans suivant la date de leur exigibilité ne sont pas prises en compte pour le calcul de la retraite.

     

    Pour en savoir plus sur la valeur du point, veuillez consulter le site web de la CARPIMKO .

     

    Retraite complémentaire des agents généraux d’assurance (cavamac)

     

    La formule de calcul est la suivante :

     

    Nombre de points acquis

    X

    Valeur du point du régime complémentaire (fixée depuis le 1er janvier 2018 à 0,3511 €)

     

    Au résultat obtenu, une décote (minoration du montant de la retraite) ou une surcote (majoration du montant) peut être appliquée en fonction de votre âge à la date d’effet de votre retraite.

    • Décote : appliquée à différentes dates d’effet en cas de liquidation anticipée avant l’âge du taux plein (entre 5 et 25% maximum, avec un taux linéaire de 5% par an).

    • Surcote : appliquée pour chaque année pleine différée au-delà de l’âge de départ à taux plein (entre 5 et 25% maximum, avec un taux linéaire de 5% par an).

    Pour estimer votre retraite, connectez-vous à votre compte personnel CAVAMAC

     

    A noter :

    Les cotisations arriérées qui n’ont pas été acquittées dans le délai de 5 ans suivant la date de leur exigibilité ne sont pas prises en compte pour le calcul de la retraite RCO.

     

    Majorations pour enfants

    • Une majoration de 10% du nombre de points acquis est prévue si vous avez eu ou élevé au moins trois enfants pendant au moins 9 ans avant leur 16ème anniversaire  (légitimes, naturels, adoptés, pupilles de la Nation que vous avez recueilli ou dont vous êtes tuteur).

    • Une majoration de 5% du nombre des points acquis est prévue si, au moment où vous prenez votre retraite, vous déclarez fiscalement un enfant bénéficiant de l’allocation d’éducation de l’enfant handicapé ou de l’allocation d’adulte handicapé.

     

    Si vous totalisez moins de 1500 points de retraite RCO

    Un versement unique et libératoire est effectué au plus tôt à compter de l’âge requis  pour obtenir une retraite à taux plein, sur demande écrite de votre part.

     

    Dental surgeons’ and midwives’ supplementary pension scheme (CARCDSF)

    Dental surgeons

     

     

    Supplementary Scheme

    Supplementary Old-Age Benefits Scheme (“Régime Prestations Complémentaires de Vieillesse”/ PCV)

    If you retire before full-rate entitlement age

    A rate reduction of 1.50% will apply for each quarter you retire early, up to a maximum of 30%.

     

    The rate reduction ceases to apply:

    • If you become unfit for work

    A rate reduction of 1.25% will apply for each quarter you retire early, up to a maximum of 25%.

     

    • If you have given birth to children, you will be eligible to retire up to 5 years early (1 year for each child) with no rate reduction under the supplementary scheme, on the basis of how motherhood has impacted your career..

    The rate reduction does not apply if you are unfit for work.

    If you retire at full-rate entitlement age

    No rate reduction

    No rate reduction

    If you retire after full-rate retirement age

    A 1% rate increase will apply for each additional quarter of contributions, up to a maximum of 20%

    Pension top-up

    The amount of your entitlement will be topped up by 10% if you have had 3 or more children.

    A 10% top-up if you have had 3 or more children.

     

    Your retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any applicable rate reduction or rate increase

    X

    10% child-rearing top-up, if applicable

    Midwifes

     

    Supplementary Scheme

    Supplementary Old-Age Benefits Scheme (“Régime Prestations Complémentaires de Vieillesse”/ PCV)

    If you retire before full-rate entitlement age

    A rate reduction of 1.50% will apply for each quarter you retire early, up to a maximum of 30%.

     

    The rate reduction ceases to apply:

    • If you become unfit for work

    A rate reduction of 1.25% will apply for each quarter you retire early, up to a maximum of 25%.

     

    • If you have given birth to children, you will be eligible to retire up to 5 years early (1 year for each child) with no rate reduction under the supplementary scheme, on the basis of how motherhood has impacted your career..

    The rate reduction does not apply if you are unfit for work.

    If you retire at full-rate entitlement age

    No rate reduction

    No rate reduction

    If you retire after full-rate retirement age

    A 1% rate increase will apply for each additional quarter of contributions, up to a maximum of 20%

    Pension top-up

    The amount of your entitlement will be topped up by 10% if you have had 3 or more children.

     

    Your retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any applicable rate reduction or rate increase

    X

    10% child-rearing top-up, if applicable

     

    Artist-authors’ supplementary retirement pension programs (IRCEC)

    Key figures (IRCEC)

    Key figures for the RAAP scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 30 points. Otherwise, you may apply to your fund for a one-time, lump-sum payment (please refer to the paragraph entitled “How your retirement pension is calculated”).
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age (62) if you are receiving a full-rate pension from the general salaried workers scheme (“L’Assurance retraite”), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 2.5% to 20% for each missing quarter.

     

    Key figures for the RACL scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 850 points. Otherwise, you may apply to your fund for a one-time, lump-sum payment (please refer to the paragraph entitled “How your retirement pension is calculated”).
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 2.5% to 20% for each missing quarter.

     

    Key figures for the RACD scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 900 points. Otherwise, you may apply to your fund for a refund of your contributions.
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age (62) if you are receiving a full-rate pension from the general salaried workers scheme (“L’Assurance retraite”), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 6% to 30% for each missing quarter.

     

    Key figures for the basic CAVA-CAVMU-CREA* retirement pension funds

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application.
    • Pensionable age: Pensionable age is gradually moving up from 60 to 62, as determined by your date of birth.
    • Full-rate entitlement age: Gradually moving up from 65 to 67, as determined by your date of birth.
    • Full-rate pension eligibility : a full-rate pension is awarded before age 60 on the basis of long careers or disability. The full rate is awarded between ages 60 and 65 if you have the required number of quarters or are unfit to work and from age 65 with no length of career requirement.
    • Rate reduction (permanent discount): a rate reduction of 1.25% for each missing quarter will apply between ages 60 and 65 if the number of quarters credited to your account is below the required minimum.
    • Rate increase (permanent increase): a rate increase of 0.75% for each additional quarter will apply beyond age 60 if you have more than the required number of quarters.

    *Note: This scheme covers artist-authors who:

    • Paid contributions to the former CAVMU or the former CAVAR scheme prior to January 1st, 1977 (on that date, they were incorporated into the general Social Security scheme through Maison des Artistes or Agessa).
    • Paid contributions to the former CREA basic scheme before joining Maison des Artistes or AGESSA (if they joined after 1977).

     

    How your retirement pension is calculated (IRCEC)

    RAAP Scheme

    • One-time lump-sum payment (“versement forfaitaire unique”): the lump sum comes to 15 times the annual amount of your retirement pension.
    • Amount of your retirement pension :

     

    Number of points accrued

    X

    Value of the point (8.23 € in 2016)

    If you have raised at least three children for 9 years up to their 16th birthday, a 10% family top-up will apply to the above amount.

     

    RACL scheme

    • One-time lump sum payment (“versement forfaitaire unique”): One-time lump-sum payment (“versement forfaitaire unique”): the lump sum comes to 15 times the annual amount of your retirement pension.
    • Amount of your retirement pension:

    Number of points accrued

    X

    Value of the point (0.529 € in 2016)

    RACD scheme

    Amount of your retirement pension :

    Number of points accrued

    X

    Value of the point (0.366 € in 2016)

     

    Basic CAVA-CAVMU-CREA* retirement pension scheme

    Number of points accrued

    X

    Annual value of the point (0.5626 € as of October 1st, 2015)

     

    Quarters accrued under the former CAVMU, former CAVAR, or former CREA schemes will be converted into points, with 100 points for each quarter of insurance.

     

    *Note: This scheme covers artist-authors who :

    • Paid contributions to the former CAVMU or the former CAVAR scheme prior to January 1st, 1977 (on that date, they were incorporated into the general Social Security scheme through Maison des Artistes or Agessa).
    • Paid contributions to the former CREA basic scheme before joining Maison des Artistes or AGESSA (if they joined after 1977).

    To learn more, please refer to IRCEC’s website.

    Lawyers (CNBF)

    Key figures (CNBF)

    • Statutory age (“âge légal”)

    Statutory age is 62 for those born in or after 1955 and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”) : 1.25% for each missing quarter
    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your birth year.

    • Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter of contributions accrued between January 1st, 2004 and June 30, 2010. The rate increase comes to 1.25% for each additional quarter of contributions accrued from July 1st, 2010.

     

    How your retirement pension is calculated (CNBF)

    Your retirement pension will be calculated based on a notional amount which is set each year by CNBF. This amount is then reduced or increased based on your years of contributions.

     

    Length of insurance (length of contributions or equivalent years under CNBF)

    ____________________________________________________

    Reference length*

    X

    Reference amount

    X

    Pension rate (full or other rate, determined on the basis of your length of insurance under all retirement schemes combined)

     

    *The reference length is 160 quarters if your length of insurance under the lawyers’ scheme, or your combined length of insurance under the lawyers’ scheme and the legal advisors’ scheme (Cipav) is above 59 quarters. Your reference length will be 60 quarters if your length of insurance is less than 60 quarters.

                To estimate your retirement pension entitlement, please use CNBF’s online tool .

    Your minimum pension award

    If you have accrued fewer than 60 quarters, your pension entitlement will be proportional to the old salaried workers’ allowance (“allocation aux vieux travailleurs salariés”/ AVTS).

    Supplementary retirement pension (CNBF)

    Your supplementary retirement pension is calculated on a point-based system. In order to claim, you will need to meet the same age and length of contribution requirements as for your basic retirement pension.

    Your supplementary retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point

     

     

    Salariés de la RATP (CRP RATP)

    chiffres clés (CRP RATP)

    • Âge légal : 60 ans jusqu’en 2016, puis passage par paliers de 4 mois à 62 ans de 2017 à 2022.

     

    • La durée de référence dépend de la date d’ouverture de vos droits.

    Nombre de trimestres pour une retraite RATP à taux plein (75%) :

     

    Période où vos droits sont ouverts

     

    Nombre de trimestres

     

    A compter du 01/07/2016 au 30/06/2017

     

    164

     

    A compter du 01/07/2017 au 30/06/2018

     

    165

     

    A compter du 01/07/2018 au 30/06/2019

     

    166

     

    A compter du 01/07/2019 au 31/12/2020

     

    167

     

    A compter du 01/01/2021 au 30/06/2022

     

    168

     

    A compter du 01/07/2022

     

    168

     

     

    • Taux plein automatique (annulation de la décote) :

    Annulation de la décote :

     

    Période où vos droits sont ouverts

     

    Nombre de trimestres

    Age d’annulation de la décote

     

    A compter du 01/07/2016 au 30/06/2017

     

    164

    Age d’ouverture de droit + 3 ans (12 trimestres)

     

    A compter du 01/07/2017 au 30/06/2018

     

    165

    Age d’ouverture de roit + 3,25 ans (13 trimestres)

     

    A compter du 01/07/2018

     

    166

    Age d’ouverture de droit + 3,5 ans (14 trimestres)

     

    A compter du 01/07/2019 au 30/06/2020

    167

    Age d’ouverture de droit + 3,75 ans (15 trimestres)

     

    A compter du 01/07/2020 au 31/12/2020

    167

    Age d’ouverture de droit + 4 ans (16 trimestres)

     

    A compter du 01/01/2021 au 30/06/2021

    168

    Age d’ouverture de droit + 4 ans (16 trimestres)

     

    A compter du 01/07/2021 au 30/06/2022

    168

    Age d’ouverture de droit + 4,25 ans (17 trimestres)

     

    A compter du 01/07/2022

    168

    Age d’ouverture de droit + 4,5 ans (18 trimestres)

    • Surcote

    Chaque trimestre supplémentaire travaillé augmente votre retraite de 1,25%, dans la limite de 20 trimestres.

    Le calcul du montant de votre retraite CRP RATP

    Montant de la retraite :

     

    Coefficient hiérarchique cotisé sur les 6 derniers mois d’activité

    x

    Coefficient du 13ème droit

    x

    Valeur du point

    x

    Taux de remplacement* (75% pour le taux plein)

     

     

    * Taux de remplacement :

    .

    Durée de service à la RATP


    Durée de référence

    x

    75%

    Majoration pour enfant

    Si vous avez eu trois enfants ou plus, le montant de votre retraite peut être augmenté, sous conditions.

     

    Pour en savoir plus, consultez l’article " J’ai eu des enfants "

     

    For personalized information based on your pension schemes, please log into your pension account.

    Link to the pension account login page

    You can also use this account to :

    • access your career history
    • and estimate your pension entitlements

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    MY PENSION ENTITLEMENTS
    Retirement age and pension amount
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    MY PENSION ENTITLEMENTS
    Retirement age and pension amount

    • Retirement age and pension amount
    • How much will my pension entitlement be?
    • Saving for your retirement
    • Montants minimums
    • Montants minimums de retraite
    • Low-income benefits
    • Demander ma retraite
    • Je souhaite demander ma retraite
    Your career

    • Employment
    • Employment in another country
    • Employment before age 20
    • Employment with your spouse
    • Part-time employment
    • Interim employment
    • Employment during retirement
    • RSA (Active solidarity allowance)/ employment bonus (“prime d’activité”)
    • “Active category” position or “active category service”
    • Family helper
    • Contributions
    • Working and paying contributions
    • Purchasing contributions
    • Career development
    • Professional training
    • Changing careers
    • Gradual retirement
    • Health
    • Medical leave
    • Industrial accidents/ work-related illnesses
    • Arduous work
    • Periods off work
    • Unemployment
    • Leave of absence
    Personal life

    • Family
    • Parental leave
    • Maternity or adoption leave
    • Child-related entitlements
    • Family caregiver for a disabled child
    • Orphans’ entitlements
    • Spouses’ entitlements when a member dies
    • Full-time parents
    • Education
    • Purchasing quarters for years in education
    • Company internships
    • Work/ study programs
    • Inability to work/ disability
    • Disability
    • Disability pension
    • Family caregiver for a disabled adult
    • Service to the nation
    • I have performed military service or been a conscientious objector
    • I have performed civic service in France or abroad
    PRACTICAL PENSION INFORMATION
    Pension payments

    • Pension payments
    • Payment date
    • Changing your banking information
    • Uprating
    • Recalculation and appeals
    • Pension garnishment
    Life as a retiree

    • Life as a retiree
    • Taxes and social security contributions
    • Moving abroad
    • The dependency-related pension top-up for caregiving needs
    • Continuing or going back to work
    • Spouses’ entitlements when a member dies


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    FirstContent

    How much will my pension entitlement be?

    Your age when you decide to stop working will have an impact on your retirement pension entitlement. You can choose to retire once you have reached statutory age or decide to stay on past that age. As a general rule, if you continue to work, the older you are when you retire, the larger your pension entitlement will be- up to a given maximum.

    Indeed, your pension entitlement will be calculated based on the wages, index-related salaries, or other employment income you have earned, as well as on the length of your career.

    Mes services


    • Consulter mon relevé de carrière


    • Simuler ma retraite (âge et montant)

    • Simulateur de départ à la retraite anticipée pour carrière longue

    • Calculer mon âge légal de départ à la retraite

     

    Votre retraite selon votre âge de départ : découvrez notre infographie !

    (cliquez sur l’image)

    Age et montant de la retraite x800.jpg

    YOUR AGE WHEN YOU RETIRE AND THE ENTITLEMENTS ACCRUED AT THAT TIME

    You can retire at a number of different ages. You can choose to retire at statutory age, at the age when the rate reduction ceases to apply, or before or after you have reached that age.

     

    Option N° 1: retiring at statutory age

    • The minimum age at which you can claim your basic retirement pension is called the “statutory retirement age” (“âge légal de départ à la retraite.”) It is determined by the year you were born.
    • Important: If you retire at statutory age, you will not necessarily receive a full-rate retirement pension, which is a pension calculated at the most favorable rate. To be eligible, you will need to have accrued a given number of quarters under all of the pension schemes combined.
    • If you do not have enough quarters for the full rate but retire once you have reached statutory age, the amount of your pension entitlement will be reduced proportionally to the number of missing quarters (rate reduction). This reduction is final and permanent.

     

    To determine the statutory retirement age that applies to you and how many quarters you need, please refer to the information in the box entitled “key figures” later on in this article.

     

    To estimate your pension entitlement if you should retire at that age, please click here .

     

    Important information:

    It is possible to retire before you have reached statutory age, under certain conditions.

    To learn more, please refer to the following articles on Info Retraite’s website :

    • I started working before age 20
    • I am a disabled worker
    • I have had a work-related accident or illness
    • I am receiving a disability pension
    • My work is arduous in nature

     

    Option No. 2: retiring between statutory age and the age when the rate reduction ceases to apply

    If you retire at statutory age but do not have enough quarters under all of the pension schemes combined to be eligible for the full rate, a final and permanent decrease (“décote") that is proportional to the number of missing quarters will be applied to your pension. To receive a retirement pension without a rate decrease, you will need to continue working and accrue quarters until you have reached the required length of insurance.

                                                   To learn more, please refer to the website www.lassuranceretraite.fr

    To simulate your pension entitlement if you should retire at the age, please click here .

    Important information:

    Under certain special circumstances, you may be eligible for a full-rate pension even if you have not accrued the required number of quarters.

    To learn more, please refer to the following articles on Info Retraite’s website:

    • I have raised a disabled child
    • I am or have been a family caregiver for a disabled adult
    • I am a disabled worker

     

    Option No. 3: retiring at the age when the rate reduction no longer applies

    There is an age from which your retirement pension will be calculated without a rate reduction, however many quarters you have accrued.

    Important: even if you are eligible for the most favorable rate, your pension entitlement will still be calculated on a pro rata basis of the number of quarters you accrued under each of the pension schemes to which you have belonged. In other words, even if your retirement pension is calculated without a rate reduction, the amount of your pension can be reduced if your length of insurance is not sufficient.

    You can choose to continue working beyond the age at which the rate reduction ceases to apply as a way to accrue the required length of insurance and increase the amount of your future basic retirement pension.

     

    To check the age at which the rate reduction ceases to apply, please refer to the information in the box entitled “key figures” later on in this article.

    To estimate your pension entitlement if you should retire at that age, please click here.

     

    Option N° 4: retiring with a rate increase (“surcote”)

    If you continue working beyond statutory age and have already accrued the required number of quarters under all pension schemes combined, the amount of your basic retirement pension can be increased: this is known as a rate increase.

    Each additional quarter of work will increase the amount of your retirement pension.

     

    Important information:

    • In most cases, your employer cannot force you to retire before age 70. However, there are some exceptions. To learn more, please contact your human resource department or your employer.
    • You can retire gradually by cutting back to part-time near the end of your career while claiming a portion of your retirement pension.

    To learn more, please refer to the article entitled “ I plan to retire gradually ” on Info Retraite’s website.

    • You can also continue working or start a new job once you have already retired.

     

    To learn more, please refer to the article entitled “ I plan to work during my retirement ” on Info Retraite’s website

    Private-sector employees, non-statutory public sector workers, and artist-authors (l’assurance retraite)

    Key figures

    • Statutory age (“Age légal”)

    Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955.

    • Full rate (“Taux plein”) : maximum rate of 50%
    • Rate reduction (“Décote”) : 1.25% for each missing quarter.
    • Age at which the rate reduction ceases to apply (automatic full rate)

    This occurs at age 67, but ranges from ages 65 to 67 for individuals born before 1955.

    • Rate increase (Surcote)

     

    Each additional calendar quarter that you accrue after January 1st, 2009, will increase your basic retirement pension by 1.25%. For quarters of contributions prior to January 1st, 2009, the rate various based on the number of quarters you have accrued.

    To estimate your pension entitlement if you should retire at various ages, please click here .

    HOW YOUR RETIREMENT PENSION IS CALCULATED

    The amount of your pension entitlement is based both on the age at which you retire and on your average annual salary, meaning the average of your salaries from the best 25 earning years of your career.

     

    Your basic retirement pension is calculated as follows:

                                   Average annual salary (average of your 25 best earning years)

                              X

                                   Rate (this ranges from 37.5 to 50% based on your length of insurance)

                             X

                                                   Length of insurance under the general scheme


                                               Maximum length of insurance based on your year of birth

     

    To estimate your pension entitlement if you should retire at that age, please click here

     

    Full-rate pensions have a lower limit

    If you are awarded a retirement pension at the full rate (“taux plein”), the amount cannot be lower than France’s minimum pension (“minimum contributif”). This is calculated automatically when you retire.

    For this to apply, you will need to meet the following 2 requirements:

    • You must have claimed all of your personal retirement pensions from all of the basic compulsory and supplementary French, foreign, and international organizations’ schemes to which you have belonged
    • And the total combined amount of these pensions must not exceed a certain upper limit (if the limit is exceeded, the share you receive will be reduced).

     

    The minimum amount can be increased if you total at least 120 quarters of contributions (contributions to the compulsory old-age insurance program, voluntary old-age insurance, certain purchased contributions, etc.) under all of the basic schemes combined.

     

    Pension top-ups

    You may be eligible for several types of retirement pension top-ups.

    • The child-rearing top-up

    If you have had 3 or more children, your basic retirement pension will be increased by 10%.

    To learn more, please refer to the article entitled “ I have had children ” on Info Retraite’s website.

    • The caregiver-related top-up

    To learn more, please refer to the article entitled “ The dependency-related pension top-up ” on Info Retraite’s website.



     

    Assurés du régime des cultes (cavimac)

    chiffres clés (cavimac)

    • Âge légal :  62 ans pour les personnes nées à partir de 1955 ; il varie entre 60 et 62 ans pour les personnes nées avant 1955

     

    • Taux plein : taux maximum de 50%

     

    • Décote : 1,25% par trimestre manquant.

     

    • Taux plein automatique : 67 ans ; il varie entre 65 et 67 ans pour les personnes nées avant 1955.

     

    • Surcote

    Chaque trimestre civil supplémentaire travaillé depuis le 1er janvier 2009 augmente le montant de votre retraite de base de 1,25%. Pour les trimestres cotisés avant le 1er janvier 2009, le taux varie en fonction du nombre de trimestres effectués.

    Pour simuler un départ en retraite à différents âges, cliquez ici 

    Le calcul de votre retraite Cavimac

    Le calcul de vos droits à la retraite dépend de la période d’activité cultuelle validée.

     

    Votre activité a été effectuée avant le 1er janvier 1979

    Pour en savoir plus, consultez cette page du site web de la Cavimac

     

    Votre activité a été effectuée entre le 1er janvier 1979 et le 31 décembre 1997

    Pour en savoir plus, consultez cette page du site web de la Cavimac

     

    Votre activité a été effectuée à compter du 1er janvier 1998

    La formule de calcul de votre retraite de base est la suivante :

     

    Salaire annuel moyen (moyenne de vos 25 meilleures années)

    x

    Taux (il varie de 37,5 à 50% selon votre durée d’assurance)

    x

    Durée d’assurance au régime général


    Durée d’assurance maximum en fonction de votre année de naissance

     

     

    Agricultural employees, farmers, and their families (MSA)

    AGRICULTURAL EMPLOYEES

    Key figures

    • Statutory age (“âge légal”)

    Statutory age is 62 for those born in or after 1955 and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”) : 1.25% for each missing quarter
    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your birth year.

    • Rate increase (“surcote”)

    The 1st to the 4th additional quarter that you accrued to your account between January 1st, 2004 and December 31st, 2008 will each increase the amount of your basic retirement pension by 0.75%. The rate increase then rises to 1% beyond the 4th additional quarter and amounts to 1.25% for each additional quarter that you accrue to your account after your 65th birthday.

     

    How your retirement pension will be calculated

    Your retirement pension will be calculated based on your age at retirement as well as on your average annual salary, meaning your average salary from the 25 best earning years of your career.

    Your basic retirement pension will be calculated as follows :

    Average annual salary (average of your 25 best earning years)

    X

    Rate (This ranges from 37.5% to 50% depending on your length of insurance)

    X

    Length of insurance under the general or the agricultural scheme

    _________________

    Length of insurance as determined by your year of birth

     

    To estimate your pension entitlement if you should retire at that age, please click here

    Your minimum pension entitlement

    If you are awarded a retirement pension at the full rate (“taux plein”), the amount of your entitlement cannot be lower than France’s minimum pension (“minimum contributif”). This will be calculated automatically when you claim your pension.

    For this to apply, you will need to meet the following 2 requirements :

    • You must have claimed all of your personal retirement pensions from all of the basic compulsory and supplementary French, foreign, and international organizations’ schemes to which you have belonged
    • And the total combined amount of these pensions must not exceed a certain upper limit (if the limit is exceeded, the share you receive will be reduced).

    The minimum amount can be increased if you total at least 120 quarters of contributions (contributions to the compulsory old-age insurance program, voluntary old-age insurance, certain purchased contributions, etc.) under all of the basic schemes combined.

     

    Pension top-ups

    You may be eligible for several types of retirement pension top-ups.

    • The child-rearing top-up

    If you have had 3 or more children, your basic retirement pension will be increased by 10%.

    To learn more, please refer to the article entitled “I have had children ”

    • The caregiver-related top-up

    To learn more, please refer to the article entitled “ The dependency-related pension top-up ”

     

    The AGIRC ARRCO supplementary retirement pension

    Your supplementary retirement pension is calculated on a point-based system. In order to claim, you will need to meet the same age and length of contribution requirements as for your basic retirement pension.

    Your supplementary retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point

    Farmers

    Key figures

    • Statutory age (“Age légal”)

    Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”)

    A rate reduction of 1.25% to 2.5% (as determined by your year of birth) will be applied for each missing quarter.

    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your year of birth.

    • Rate increase (“surcote”) : 1.25% for each additional quarter

     

    How your self-employed agricultural scheme pension will be calculated

    Your basic retirement pension award is made up of the following :

    • A fixed-rate pension (if your self-employment under the agricultural scheme was your sole or main occupation). The full amount of this pension will be based on your length of self-employment under the agricultural scheme and on the length of your career as determined by your year of birth
    • And a proportional, points-based pension accrued through contributions; your number of points will be determined by your status.

     

    You will be eligible for the proportional retirement pension if you are the head of a farm or farming business, a farm or farming business family helper (“aide familial agricole” status) (for the portion of your career credited to your account from January 1st, 1994) or a farm or farming business contributing spouse (“conjoint collaborateur” status) (for the portion of your career credited to your account from January 1st, 1999).

     

    Contribution rates for contributing spouses and family members are calculated on a notional basis and the number of points has been set at 16.

     

    Your required number of points if you are running a farm or farming business will be determined based on your earned income : the range is from 23 to 107 points, as determined by the applicable scale.

     

    Your proportional retirement pension will be calculated as follows :

    Number of points

    X

    Value of the point

    X

    37.5 years in length of insurance

    _____________________________________________________________________

    Length of insurance as determined by your year of birth

     

    Compulsory supplementary retirement pension (“Retraite complémentaire obligatoire/ RCO)

    Your compulsory supplementary retirement pension (RCO) takes account of the points you have accrued through contributions and/or those credited to your account free of charge.

    Your supplementary retirement pension will be calculated as follows :

    Number of pension points accrued through contributions or credited free of charge

    X

    Value of the point

    To learn more, please refer to MSA’s website .

    Supplementary pension scheme for salaried workers in industry, retail, services, and agriculture (AGIRC-ARRCO)

    Key figures (Agirc-arrco)

    The minimum age in order to be eligible for a supplementary pension is 57. However, as this is lower than the statutory age, a reduction factor will apply and the amount of your retirement pension will be permanently decreased. This factor is based on the age at which you decide to retire.

    For more information, please refer to Agirc-Arrco’s online information on reduction factors .

     

    Statutory retirement age

    Statutory retirement age is 62 for individuals born in 1955 and after and ranges from 60 to 62 for those born prior to 1955. To be eligible for a full-rate supplementary pension at that age, you will need to have accrued the required number of quarters.

    • If you have been awarded your basic retirement pension at the full rate due to special circumstances such as unfitness for work, you may also be awarded your supplementary retirement pension at the full rate.
    • If you are awarded your basic retirement pension at less than the full rate, a reduction factor will apply and the amount of your supplementary retirement pension will be permanently reduced. This reduction factor is based on your age or the number of quarters you have when you choose to retire.

     

    Important information

    Special measures apply to the Agirc pension for the C bracket (management personnel (“cadre” status) whose salary is more than 4 times the social security ceiling.)

                                To learn more, please refer to Agirc Arrco’s website

     

    Age for an automatic full rate

    The age for an automatic full rate is 67, but ranges from 65 to 67 for individuals born prior to 1955.

    To estimate your pension entitlement if you should retire at various ages, please click here

     

    Specific measures apply to the Agirc pension for the C bracket (entitlements accrued by management personnel (“cadre” status) on the portion of their salary that exceeds 4 times the social security ceiling.

                    To learn more, please refer to Agirc Arrco’s website .

    How your pension is calculated (Agirc Arrco)

    Your supplementary retirement pension is calculated as follows :

     

                                                   Gross annual amount =

                                                   Total number of points

                                                                   X

                                                   Value of the point

     

    This amount can be reduced if you do not qualify for a supplementary retirement pension at the full rate. However, you may be eligible for family-related top-ups.

                                             Read the article entitled “ I have had children ” on Info Retraite’s website

     

    If you were born on or after January 1st, 1957, and are planning to retire after December 31, 2018: a temporary increase or reduction may apply to your supplementary pension entitlement.

     

    • The temporary increase

    Salaried workers who qualify for the full rate under the basic retirement schemes and put off claiming their supplementary retirement pension by at least 2 years will be awarded a 1-year increase in their supplementary retirement pension. This temporary increase is awarded at a rate of :

    – 10% if they put off claiming their supplementary retirement pension by 2 years,
    – 20% if they put off claiming their supplementary retirement pension by 3 years,
    – 30% if they put off claiming their supplementary retirement pension by 4 years.

    Salaried workers who continue to work without claiming their entitlements under any of the basic schemes will continue to accrue pension points and may be eligible for a rate increase (pop up explication) under the basic scheme.

     

    • The temporary reduction

    A temporary reduction will apply to your supplementary retirement pension when you begin claiming a full-rate pension under the basic schemes. This reduction will apply at a rate of 10% for 3 years, up to age 67 at the latest.

     

    It does not apply to pensions for retirees in the following categories :

    – Those exempt from CSG contributions (for retirees who pay CSG contributions at a reduced rate, the temporary reduction will apply at a rate of 5% rather than 10%).
    – Those with a disability,
    – Those who have retired through the asbestos program,
    – Those who have retired on medical grounds,
    – Those who have raised a disabled child or are receiving a family caregiver’s pension.

    The supplementary pension program for civil aviation cabin crew (CRPN)

    Key figures (CRPN)

    Statutory age

    You can claim your supplementary pension entitlement :

    • Starting at age 50 if you meet the age and length-of-career requirements,
    • Starting at age 60, with no reduction and no length-of-career requirement

    To learn more, please refer to the online memo on requirements for claiming your pension at www.crpn.fr

     

    Full rate

    Following a 10-year period of transition from 2012 to 2012, pensions will be paid at the full rate (“taux plein”) to retirees with a total career of at least 30 years.

    To learn more, please refer to CRPN’s website

     

    Rate reduction (“décote”)

    Following a 10-year period of transition from 2012 to 2021, if the above requirement for the full rate is not met, pensions will be paid with a rate reduction of 5% per missing year out of the required 30-year period.

                                                                                                                  To learn more, please refer to CRPN’s website

     

    How your retirement pension is calculated (crpn)

    Your pension will be calculated based on the total periods of earnings that have been credited to your account and on the entirety of those earnings. A pension rate will apply and your entitlement will be appreciated on the basis of a calculation index (which will increase according to INSEE’s index of inflation).

                To learn more, please refer to the online memo on requirements for claiming your pension at www.crpn.fr

    Your minimum pension award

    • If you total more than 25 years of earnings out of your total length of contributions to CRPN, your retirement pension as calculated before any rate reduction is applied cannot be lower than 2% of the annual ceiling per year of contributions or year you have purchased.
    • One-time payment:

    If your monthly entitlement would be less than 2% of the monthly social security ceiling, a one-time payment is made in lieu of a monthly pension payment.

                                                   Please contact CRPN for more information.

    Types of pension top-ups

    • The temporary increase (“Majoration temporaire”)

    You may be awarded a temporary increase on top of your monthly retirement pension, depending on your age and if you have been awarded your pension without a rate reduction (“décote”) (pop up définition).

    • The bonus (“Bonification”)

    A bonus will be added on to your monthly pension if you have had or raised at least 3 children for 9 years during your period of contributions to CRPN.

     

    Electrical and gas industry employees (CNIEG)

    Key figures (CNIEG)

    Statutory age (“Age légal”)

    Statutory retirement age is 60 and will gradually increase to 62 for those born in 1957 or later.

    To estimate your pension entitlement if you should retire at various ages, please use CNIEG’s pension estimator .

    Rate reduction (“Décote”)

    The rate reduction is 0.125% for each missing quarter. It will gradually increase to 1.25% from July 1st, 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply at pensionable age, plus a predetermined number of quarters.

               To determine the age from which you will not be eligible for a rate reduction, please refer to

    CNIEG’s table .

     

    Rate increase (“Surcote”)

    A 1.25% rate increase will apply for each additional quarter you accrue to your account.

    How your pension entitlement is calculated (CNIEG)

    The amount of your pension entitlement will be based on your age at retirement as well as on the annual salary that is used for the calculation. It is determined using the following 3 factors :

    • The last job classification index number (“coefficient hiérarchique”), including seniority (“ancienneté”), which you had had for at least 6 months before you stopped acccruing periods of service to your account. The 6-month requirement does not apply to pensions claimed following disability, death, or medical leave (long-term illness, industrial accident, or work-related illness).
    • The latest value of the national base salary
    • The latest value of the cost-of-living top-up (“majoration résidentielle”)

    The amount of the year’s-end bonus (“gratification de fin d’année”) will be added on to the above annual salary.

    Salaries for any part-time work will be taken into account and treated as full-time earnings.

     

    Your retirement pension will be calculated as follows :

    Salary basis (annual salary used to calculate your pension entitlement)

    X

    75% (full rate)

     

    Length of compensation in the Electrical and Gas industry (periods of earnings)/ Required length in the Electrical and Gas industry (number of quarters required for the maximum rate of 75%)

    X

    Rate reduction factor (“Coefficient de décote”) or Rate increase factor (“Coefficient de surcote”)

    X

    Child-rearing top-up factor

     

    Minimum pension award

    Your monthly retirement pension cannot be below a given minimum amount if you meet the 2 eligibility requirements below. You will need :

    • At least 15 years of service,
    • And to pass the means test.

    To learn more, please refer to CNIEG’s website .

    The child-rearing top-up

    If you have had three or more children, your retirement pension will be topped up if you meet certain requirements.

    To learn more, please refer to the article entitled “ I have had children ” on Info Retraite’s website.

    State civil servants, magistrates, and members of the armed forces (SRE)

    Key figures (SRE)

    Statutory age (“âge légal”)

    Statutory retirement age for the sedentary category (“catégorie sédentaire”) ranges from 60 to 62 depending on your birth year and from 55 to 57 for the active category (“catégorie active”). It ranges from 50 to 52 with length-of-service requirements for certain roles such as national police officers, prison guards, and air traffic controllers on active duty.

    Retirement age for members of the armed forces is based on length of service. The required length of service for pension eligibility and the age limits for each rank are being gradually increased by 2 years, according to the same schedule and the same rules as for civil servants. Officers who would originally have been eligible for retirement at age 50 will now be able to retire at age 52.

    Please refer to SRE’s website for more information on statutory retirement age

    Rate reduction (“décote”) :

    A rate reduction of 1.25% will apply for each missing quarter, up to a maximum of 20 quarters.

    Age at which the rate reduction (“décote”)  eases to apply :

    For the sedentary category (“catégorie sédentaire”), the rate reduction ceases to apply between the ages of 63 plus 4 months and 67, depending on your date of birth. For the active category, it ceases to apply between the ages of 57 plus 9 months and 62.

    Please refer to SRE’s website for more information on statutory retirement age

    Rate increase (“surcote”) : 1.25% for each additional quarter

    To estimate your pension entitlement if you should retire at various ages, please click here

    How your retirement pension is calculated (SRE)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base index-related salary, which is from the last position, grade, and step you had held for at least the last 6 months that were credited to your account.

    Your pension entitlement will be calculated as follows :

    Gross index-related salary

    X

    Number of quarters accrued (plus any bonuses)

    X

    Pension rate

    X

    Reduction factor (rate reduction) or increase factor (rate increase)

     

    The amount of your entitlement cannot exceed 75% (if your pension is based only on actual service) or 80% of your gross index-related salary (if your pension is based on actual service plus bonuses).

     

    Your minimum pension award

    You may be entitled to the guaranteed minimum pension if one of the following requirements applies :

    • You have accrued the required number of quarters (full length of insurance)
    • Or you have reached the age at which the rate reduction no longer applies, minus a predetermined number of quarters for the guaranteed minimum to apply.

    To learn more, please refer to SRE’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                                   To learn more, please refer to the article entitled “ J’ai eu des enfants ” on Info

    Retraite’s website.

    Regional and hospital-based civil servants (cnracl)

    Key figures (cnracl)

    Statutory age (“Age légal”)

    Statutory age ranges from 60 to 62 for the sedentary category (“catégorie sédentaire”) depending on your year of birth; from 55 to 57 for the active category (“catégorie active”), and from 50 to 52 for the hazardous category (“catégorie insalubre”).

    Rate reduction (“Décote”) : 1.25% per missing quarter for individuals born in 1954 and beyond.
     

    Age at which the rate reduction ceases to apply :

    The age at which the rate reduction ceases to apply depends on your birth year. It ranges from 65 to 67 for the sedentary category (“catégorie sédentaire”), from 60 to 62 for the active category (“catégorie active”), and from 55 to 57 for the hazardous category (“catégorie insalubre”).

    Rate increase (“surcote”) : 1.25% for each additional quarter

    To estimate your pension entitlement if you should retire at that age, please click here

    How your retirement pension is calculated (CNRACL)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base index-related salary, which is from the last position, grade, and step you had held for at least the last 6 months that were credited to your account.

    Your pension entitlement will be calculated as follows :

    Number of quarters accrued (plus any bonuses)

    X

    75% (full rate)


    Number of quarters required for a full-rate pension

    X

    Gross index-related salary

     

    The amount of your entitlement cannot exceed 75% (if your pension is based only on actual service) or 80% of your gross index-related salary (if your pension is based on actual service plus bonuses).

     

    Your minimum pension award

    You may be entitled to the guaranteed minimum pension if one of the following requirements applies :

    • You have accrued the required number of quarters for the full rate (“taux plein”).
    • Or you have reached the age at which the rate reduction no longer applies, minus a predetermined number of quarters for the guaranteed minimum to apply.
    • Or you have claimed your retirement pension under special circumstances (such as disability)

    To learn more, please refer to CNRACL’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                            To learn more, please refer to the article entitled “ J’ai eu des enfants ”

    State workers (“Ouvriers d’Etat” FSPOEIE)

    Key figures (FSPOEIE)

    Statutory age (“Age légal”)

    Statutory age ranges from 60 to 62 for the sedentary category (“catégorie sédentaire”) depending on your year of birth; from 55 to 57 for the active category (“catégorie active”), and from 50 to 52 for the hazardous category (“catégorie insalubre).

     

    Rate reduction (“Décote”) : 1.25% per missing quarter for workers born after 1954.

    Age at which the rate reduction ceases to apply :

    The age at which the rate reduction ceases to apply depends on your birth year. It ranges from 65 to 67 for the sedentary category (“catégorie sédentaire”), from 60 to 62 for the active category (“catégorie active”), and from 55 to 57 for the hazardous category (“catégorie insalubre”).

     

    Rate increase (“surcote”) : 1.25% for each additional quarter

    How your retirement pension is calculated (FSPOEIE)

    Your pension entitlement will be calculated based on your age at retirement as well as on your base salary.

    Your pension entitlement will be calculated as follows :

    Number of quarters

    X

    75% (full rate)

    X

    Base salary


    Number of quarters required for a full-rate pension.

                                                   To learn more, please refer to FSPOEIE’s website.

     

    Your minimum pension award

    You may be entitled to the minimum pension :

    • if you have accrued the required number of quarters for the full rate,
    • or if you have reached the age at which the rate reduction no longer applies, minus a specially determined number of quarters.

    To learn more, please refer to FSPOEIE’s website .

    The child-rearing increase

    If you have had three or more children, your pension entitlement will be increased if you meet the applicable requirements.

                            To learn more, please refer to the article entitled “ J’ai eu des enfants ”

     

    Civil servants’ additional retirement pension (RAFP)

     

    Key figures (rafp)

    • You will need to have reached statutory retirement age (“âge légal de départ”) in order to claim your civil servants’ additional retirement pension (RAFP).
    • You can postpone claiming your additional retirement pension up to age 75 at the latest. A top-up will apply to the amount once you have passed statutory age.
    • Any rate increase will be awarded as a top-up factor which will apply to the amount of your RAFP pension. It will adjust your monthly award based on your age at the effective date for this benefit.

     

     

    How your retirement pension is calculated (RAFP)

    Your civil servants’ additional retirement pension (RAFP) can be paid in 2 different ways, depending on your number of points :

    • As a monthly annuity

    Your gross annual pension will be calculated as follows:

    Number of points

    X

    Top-up factor

    X

    Value of service (“valeur de service”) of the point

    • As a one-time payment

    The gross one-time payment is calculated in the same way as the gross annual pension.

                                                   For more information, please refer to RAFP’s website

     

    SNCF workers (cprpsncf)

    Key figures (cprpsncf)

    Statutory age (“âge légal”)

    Statutory age ranges from 55 to 57 for SNCF workers on sedentary duties (“service sédentaire”) and from 50 to 52 for train drivers.

     

    Rate reduction (“décote”)

    The rate reduction will increase from 0.125% to 1.25% per missing quarter between July 1st, 2010 and 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 51 and 58, depending on the date you became eligible for a retirement pension (between ages 50 and 52 or between ages 55 and 57).

     

    Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter accrued between July 1st, 2008 and December 31, 2008. The rate increase is 1.25% for additional quarters accrued on or after January 1st, 2009.

    How your retirement pension is calculated (CPRPSNCF)

    The amount of your pension award depends on your age at retirement as well as on your base salary. Indeed, your retirement pension will be calculated based on the last position, rank, and employment bonus category that you held for at least 6 months prior to your retirement.

    Your pension will be calculated as follows :

    Base salary

    X

    SNCF quarters accrued

    _________________

    Required number of quarters

    X

    75% (full rate)

    X

    Any rate reduction or rate increase

    To estimate your pension entitlement at various ages, an online pension calculator is available on

    CPRPSNCF’s website .

     

    Your minimum pension entitlement

    If your retirement pension comes to amount that is less than the minimum guaranteed by the SNCF personnel’s special pension scheme (“Régime special de retraite du personnel de la SNCF”) and you meet the eligibility requirements, your pension award will be brought up to that minimum amount when you retire.

                To learn more about the eligibility requirements for the guaranteed minimum as well as the

    amount, please refer to CPRPSNCF’s website

     

    The child-rearing top-up

    If you have had three or more children, your retirement pension can be topped up if you meet the eligibility requirements

                To learn more, please refer to the article entitled “ I have had children ”

     

     

    Opéra national de Paris personel (CROPERA)

    Key figures (cropera)

    Statutory age (“âge légal”)

    Statutory age depends on your job category. To determine the age at which you will be eligible to retire based on your birth year, please contact Cropera .

     

    Rate reduction

    The rate reduction will be increasing from 0.125% to 1.25% for each missing quarter between July 2010 and 2019.

     

    Age at which the rate reduction ceases to apply

    The age at which the rate reduction ceases to apply varies by job category and has been determined as follows by birth year :

    July 1970 for dancers (age increase from 40 to 42 for those born in July 1972),
    July 1960 for choir members (age increase from 50 to 60 for those born in 1972),
    July 1950 for musicians (age increase from 60 to 62 for those born in July 1952),
    July 1955 for technicians with early retirement (age increase from 55 to 62 for those born in July 1969),
    July 1955 for technicians without early retirement (age increase from 55 to 67 for those born in July 1969),
    July 1950 for administrative and other personnel (age increase from 60 to 67 for those born in July 1964).

    To determine the age from which you will no longer be eligible for a rate reduction, please contact Cropera .

     

    Rate increase

    Each additional quarter you accrued between July 1st and December 31st, 2008, if you were beyond statutory retirement age and had reached age 60, will increase your retirement pension entitlement by 0.75% ; those accrued in 2009 or later will increase your entitlement by 1.25%.

     

    How your retirement pension is calculated (CROPERA)

    The amount of your pension entitlement will be determined based on the length of your career as well as on the average base salary you earned:

    • Over your 3 best consecutive years for artistic staff,
    • Or over the past 6 months for other staff.

    Your retirement pension will be calculated as follows :

    75%

    X

    Average base salary

    X

    Number of quarters credited to your account

    _________________________________

    Number of quarters required for a full rate pension

     

    Your minimum pension award

    If you are awarded a pension at the full rate (“taux plein”) (pop up définition) or if special circumstances apply, the amount of your award cannot be lower than the guaranteed minimum

    Please contact Cropera for more information .

    The child-rearing top-up

    If you have had three or more children, your pension award will be increased if you meet the eligibility requirements.

                To learn more, please refer to the article entitled “ I have had children ”

     

    Notary’s clerks and employees (CRPCEN)

    Key figures (crpcen)

    Statutory age (“âge légal”)

    Statutory age is 60 and will be gradually moving up to 62 for those born in 1957 and later.

    To determine the age at which you will be eligible to retire based on your birth year, please

    refer to CRPCEN’s website.

     

    Rate reduction (“décote”)

    The rate reduction will increase from 0.125% to 1.25% per missing quarter between July 1st, 2010 and July 1st, 2019.

     

    Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 61 and 63 for members born prior to 1957 and between ages 63 plus four months and 67 for those born in or after 1957.

     

    Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter accrued between July 1st, 2008 and December 31, 2008. The rate increase is 1.25% for additional quarters accrued on or after January 1st, 2009.

     

    How your retirement pension is calculated (crpcen)

    Your retirement pension will be calculated based on your age at retirement as well as on your average annual salary. This is the average of your earnings, as adjusted for inflation, from your 10 best calendar years of insurance.

     

    If your total period of notarial work comes to under 10 years, your average annual salary will be calculated on a pro rata basis.

     

    Your pension entitlement will be calculated as follows :

    Average annual salary

    X

    Number of CRPCEN quarters credited to your account (total periods, plus any child-related insurance length increases)

    X

    75%

    ___________________________________

    Required number of quarters for the maximum rate (required number of quarters for the maximum CRPCEN pension %, which is 75%)

    X

    Any rate reduction or rate increase

     

    Top-ups to your pension award

    You can be awarded several top-ups in addition to your pension award :

    • The child-rearing top-up

    If you have had three or more children, your pension award will be increased if you meet the eligibility requirements.

                To learn more, please refer to the article entitled “ I have had children ”.

    • The seniority top-up (“majoration ancienneté”)

    If you are already eligible for the maximum rate of 75% and continue working beyond a given age (between ages 65 and 67 as determined by your date of birth), your retirement pension can be topped up by 5% for each full year of contributions beyond that age, up to a maximum of 25%. This top-up can be awarded in addition to any rate increase (“surcote.”).

     

    Special rules for France’s Alsace-Moselle area

    If you have current or past notarial employment in France’s Bas-Rhin, Haut-Rhin, or Moselle department(s), special rules apply once you have claimed your pension from the general scheme.

                            Please contact your pension scheme for more information

     

    Private-practice professionals (CNAVPL’s 10 funds)

    Key figures (cnavpl)

    Statutory age (“Age légal”)

    • Statutory age is 62 for individuals born in 1955 or later and ranges from 60 to 62 for those born prior to 1955
    • Rate reduction (“décote”) : 1.25% for each missing quarter, up to a maximum of 20 quarters
    • Age at which the rate reduction ceases to apply : the rate reduction ceases to apply between ages 65 and 67, as determined by your year of birth.
    • Rate increase (“surcote”) :0.75% for each additional quarter of contributions accrued from January 1st, 2004.

    How your retirement pension is calculated (CNAPL)

    The amount of your pension entitlement will depend on the length of your career, your age at retirement, and the number of points you have accrued through contributions.

    Indeed, your retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point (this was 0.5626 € in 2016)

    To estimate your pension entitlement if you should retire at that age, please click here

    Additional points you can be awarded

    If you meet the eligibility requirements, you will be awarded additional points from the general scheme if you have had children , and if you currently are or have previously been unable to perform your duties for a period of at least 6 months.

    CIPAV supplementary pension

     

    Age of eligibility for the supplementary retirement pension

    You can claim your supplementary pension :

    You can claim your supplementary pension :
    Before age 60If you have claimed your basic retirement pension on the basis of a long career
    Between ages 60 and 65
    • At the full rate (“taux plein”), if you have been awarded your basic-scheme pension at the full rate,
    • Or with the same discount that applies to your basic pension, or with a final and permanent 5% reduction for each year your claim is early if you have not claimed your basic retirement pension.
    At age 65 or later
    • At the full rate (“taux plein”)
    • Or with a 5% increase for each full year you have postponed your claim (this increase applies to the points accrued for your first 30 years of contributions) if you have a total of 30 years of Cipav membership at age 65.

     

    How your supplementary retirement pension will be calculated

    You have accrued pension points through the contributions you have paid throughout your career in private practice. The total number of these points is used to calculate your supplementary retirement pension according to the method below :

    Number of points accrued

    X

    The annual value of the supplementary scheme point

     

    Top-ups to your entitlement

    • 36 points are awarded for inability to perform your duties,
    • Your entitlement will be increased by 10% if you have had or raised at least three children for 9 years up to their 16th birthday.
    Chartered accountants’ supplementary pension scheme (cavec)

     

    The pension points you have accrued under the basic plus the supplementary pension schemes will be used to calculate your future retirement pension.

    Your supplementary pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point under the supplementary scheme (this value was set at 1.123 € on January 1st, 2016)

    For an individualized estimate of your pension entitlement, log into your online “Ma Cavec” (My Cavec) account and click on the “future retraite” (future pension) tab.

    Notaries’ supplementary pension scheme (crn)

     

    CRN’s supplementary pension scheme is compulsory.

    Retiring prior to full-rate entitlement

    If you retire prior to the age of full-rate entitlement, the amount of your pension will be permanently discounted by 1.25% for each quarter you retire early, up to a maximum of 25%.

    However, if you stop working before the age of full-rate entitlement, you can postpone claiming your supplementary pension by one or more years in order to reduce or avoid the discount that would normally apply.

    Retiring after the age of full-rate entitlement

    A rate increase of 0.5% per additional quarter of work will apply to your supplementary pension, up to the maximum age of 70.

                To learn more about how your supplementary pension will be calculated, please refer to CRN’s website .

     

    Veterinarians (CARPV)

     

    The Veterinarians’ Supplementary Scheme (“Régime Complémentaire des Vétérinaires”/ RC) only takes account of age when determining any rate reduction. The age of full-rate supplementary pension entitlement is 65.

    Your supplementary retirement pension will be calculated as follows :

    Number of points

    X

    Value of the point

    X

    Rate reduction factor

    Doctors’ supplementary pension schemes (CARMF)

     

    Your supplementary old-age insurance scheme (“Régime complémentaire vieillesse/ RCV) and your supplementary old-age benefits scheme (“Régime des allocations supplémentaires de vieillesse/ ASV) only take account of contributions. Indeed, unlike the general scheme, there is no length of insurance requirement.

    Full-rate pension

    • From age 65,
    • Between ages 62 and 64 (if unfit for work)

    Retiring with a penalty

    If you retire before age 65, your pension award will be permanently lowered by 5% for each year you retire early, up to a maximum of 15%.

    Early retirement penalty factors
    AgeValue
    At age 620.85
    At age 630.90
    At age 640.95

     

    Example :

    A doctor who turns 63 on April 3, 2017 claims his retirement pension with an effective date of July 1st, 2017.

    The RCV and ASV pensions will be awarded with a permanent discount of 10%, even if the claimant is entitled to a full-rate pension under the general scheme.

    Your supplementary retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any rate reductions

    Retraite complémentaire des auxiliaires médicaux libéraux (CARPIMKO)

    Régime complémentaire

    Dispositions mises en œuvre depuis le 1er janvier 2016

     

    • Vous êtes né après le 1er janvier 1961

    La retraite pourra vous être attribuée à taux plein à partir de 62 ans et avant 67 ans, si vous avez pris votre retraite dans le régime de base en réunissant le nombre de trimestres requis.

     

    Nombre de trimestres requis pour prendre votre retraite de base à taux plein

    Date de naissance  

    Nombre de trimestres requis 

    1961 à 1963

    168

    1964 à 1966

    169

    1967 à 1969

    170

    1970 à 1972

    171

    à partir de 1973

    172

     

    Si vous ne réunissez pas ces conditions pour prendre votre retraite complémentaire, un abattement de 1,25% sera appliqué sur la retraite (sauf dans des cas particuliers).

    Si vous prenez votre retraite après l’âge du taux plein automatique ou après avoir acquis tous les trimestres requis pour obtenir votre retraite à taux plein, une majoration de votre retraite complémentaire vous est accordée : 1,25% par trimestre supplémentaire, dans la limite de 20 trimestres.

     

    • Vous êtes né avant le 1er janvier 1961

    La retraite pourra vous être attribuée à taux plein :

    à 60 ans si vous êtes né avant 1956

     

    à 60 ans + 4 mois si vous êtes né en 1956  

    166 trimestres requis  

    à 60 ans + 8 mois si vous êtes né en 1957

    166 trimestres requis

    à 61 ans si vous êtes né en 1958

    167 trimestres requis

    à 61 ans + 4 mois si vous êtes né en 1959

    167 trimestres requis

    à 61 ans + 8 mois si vous êtes né en 1960

    167 trimestres requis

     

    La retraite pourra vous être attribuée à taux plein quelle que soit votre durée d’assurance :

    à 65 ans

    si vous êtes né avant 1956  

    à 65 ans + 4 mois  

    si vous êtes né en 1956

    à 65 ans + 8 mois

    si vous êtes né en 1957

    à 66 ans

    si vous êtes né en 1958

    à 66 ans + 4 mois

    si vous êtes né en 1959

    à 66 ans + 8 mois

    si vous êtes né en 1960

     

    La retraite pourra être accordée avant cet âge, mais un abattement sera calculé comme suit (sauf dans des cas particuliers).

    Abattement selon votre date de naissance et votre situation :

    si vous êtes né avant le 1er janvier 1956

    •  4% par année d’anticipation par rapport à 65 ans

    •  et 0,25% par trimestre manquant pour pouvoir prendre votre retraite de base à taux plein, dans la limite du nombre de trimestres séparant des 65 ans.

    si vous êtes né entre le 1er janvier 1956 et le 31 décembre 1960

    1,25% par trimestre manquant pour pouvoir prendre votre retraite de base à taux plein, dans la limite du nombre de trimestres qui vous sépare de l’âge du taux plein automatique (soit entre 65 ans + 4 mois et 66 ans + 8 mois).

     

    Si vous prenez votre retraite après l’âge du taux plein automatique ou après avoir acquis tous les trimestres requis pour obtenir votre retraite à taux plein, une majoration de votre retraite complémentaire vous est accordée : 1,25% par trimestre supplémentaire, dans la limite de 20 trimestres.

    Régime des praticiens conventionnés (ASV)

    Age légal

    Départ à 65 ans

    sans condition de cessation de l’activité libérale

    Départ entre 60 et 64 ans

    avec condition de cessation de toute activité pour inaptitude au travail

    Départ entre 60 et 64 ans

    sans condition de cessation de l’activité libérale :

    • par anticipation volontaire avec application d’un abattement (de 25 à 5% de 60 à 64 ans)

    • pour les invalides (retraite militaire d’invalidité)

    • pour les anciens combattants et anciens prisonniers de guerre

    • pour les déportés et internés.

     

    Durée d’activité minimum 

    Une année d’exercice libéral sous convention ayant donné lieu au versement de la cotisation.

     

    Calcul de la prestation

    Valeur du point (voir le tableau ci-dessous)

    x

    Nombre de points acquis par cotisation

     

    A noter :

    Les cotisations arriérées qui n’ont pas été acquittées dans le délai de 5 ans suivant la date de leur exigibilité ne sont pas prises en compte pour le calcul de la retraite.

     

    Pour en savoir plus sur la valeur du point, veuillez consulter le site web de la CARPIMKO .

     

    Retraite complémentaire des agents généraux d’assurance (cavamac)

     

    La formule de calcul est la suivante :

     

    Nombre de points acquis

    X

    Valeur du point du régime complémentaire (fixée depuis le 1er janvier 2018 à 0,3511 €)

     

    Au résultat obtenu, une décote (minoration du montant de la retraite) ou une surcote (majoration du montant) peut être appliquée en fonction de votre âge à la date d’effet de votre retraite.

    • Décote : appliquée à différentes dates d’effet en cas de liquidation anticipée avant l’âge du taux plein (entre 5 et 25% maximum, avec un taux linéaire de 5% par an).

    • Surcote : appliquée pour chaque année pleine différée au-delà de l’âge de départ à taux plein (entre 5 et 25% maximum, avec un taux linéaire de 5% par an).

    Pour estimer votre retraite, connectez-vous à votre compte personnel CAVAMAC

     

    A noter :

    Les cotisations arriérées qui n’ont pas été acquittées dans le délai de 5 ans suivant la date de leur exigibilité ne sont pas prises en compte pour le calcul de la retraite RCO.

     

    Majorations pour enfants

    • Une majoration de 10% du nombre de points acquis est prévue si vous avez eu ou élevé au moins trois enfants pendant au moins 9 ans avant leur 16ème anniversaire  (légitimes, naturels, adoptés, pupilles de la Nation que vous avez recueilli ou dont vous êtes tuteur).

    • Une majoration de 5% du nombre des points acquis est prévue si, au moment où vous prenez votre retraite, vous déclarez fiscalement un enfant bénéficiant de l’allocation d’éducation de l’enfant handicapé ou de l’allocation d’adulte handicapé.

     

    Si vous totalisez moins de 1500 points de retraite RCO

    Un versement unique et libératoire est effectué au plus tôt à compter de l’âge requis  pour obtenir une retraite à taux plein, sur demande écrite de votre part.

     

    Dental surgeons’ and midwives’ supplementary pension scheme (CARCDSF)

    Dental surgeons

     

     

    Supplementary Scheme

    Supplementary Old-Age Benefits Scheme (“Régime Prestations Complémentaires de Vieillesse”/ PCV)

    If you retire before full-rate entitlement age

    A rate reduction of 1.50% will apply for each quarter you retire early, up to a maximum of 30%.

     

    The rate reduction ceases to apply:

    • If you become unfit for work

    A rate reduction of 1.25% will apply for each quarter you retire early, up to a maximum of 25%.

     

    • If you have given birth to children, you will be eligible to retire up to 5 years early (1 year for each child) with no rate reduction under the supplementary scheme, on the basis of how motherhood has impacted your career..

    The rate reduction does not apply if you are unfit for work.

    If you retire at full-rate entitlement age

    No rate reduction

    No rate reduction

    If you retire after full-rate retirement age

    A 1% rate increase will apply for each additional quarter of contributions, up to a maximum of 20%

    Pension top-up

    The amount of your entitlement will be topped up by 10% if you have had 3 or more children.

    A 10% top-up if you have had 3 or more children.

     

    Your retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any applicable rate reduction or rate increase

    X

    10% child-rearing top-up, if applicable

    Midwifes

     

    Supplementary Scheme

    Supplementary Old-Age Benefits Scheme (“Régime Prestations Complémentaires de Vieillesse”/ PCV)

    If you retire before full-rate entitlement age

    A rate reduction of 1.50% will apply for each quarter you retire early, up to a maximum of 30%.

     

    The rate reduction ceases to apply:

    • If you become unfit for work

    A rate reduction of 1.25% will apply for each quarter you retire early, up to a maximum of 25%.

     

    • If you have given birth to children, you will be eligible to retire up to 5 years early (1 year for each child) with no rate reduction under the supplementary scheme, on the basis of how motherhood has impacted your career..

    The rate reduction does not apply if you are unfit for work.

    If you retire at full-rate entitlement age

    No rate reduction

    No rate reduction

    If you retire after full-rate retirement age

    A 1% rate increase will apply for each additional quarter of contributions, up to a maximum of 20%

    Pension top-up

    The amount of your entitlement will be topped up by 10% if you have had 3 or more children.

     

    Your retirement pension will be calculated as follows :

    Value of the point

    X

    Number of points accrued through contributions

    X

    Any applicable rate reduction or rate increase

    X

    10% child-rearing top-up, if applicable

     

    Artist-authors’ supplementary retirement pension programs (IRCEC)

    Key figures (IRCEC)

    Key figures for the RAAP scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 30 points. Otherwise, you may apply to your fund for a one-time, lump-sum payment (please refer to the paragraph entitled “How your retirement pension is calculated”).
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age (62) if you are receiving a full-rate pension from the general salaried workers scheme (“L’Assurance retraite”), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 2.5% to 20% for each missing quarter.

     

    Key figures for the RACL scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 850 points. Otherwise, you may apply to your fund for a one-time, lump-sum payment (please refer to the paragraph entitled “How your retirement pension is calculated”).
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 2.5% to 20% for each missing quarter.

     

    Key figures for the RACD scheme

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application. You are not required to stop working in order to claim your pension.
    • Eligibility requirements: you will need a minimum of 900 points. Otherwise, you may apply to your fund for a refund of your contributions.
    • Retiring at the full rate: You can receive a full-rate starting either from the full-rate eligibility age (67), or from pensionable age (62) if you are receiving a full-rate pension from the general salaried workers scheme (“L’Assurance retraite”), or from pensionable age due to unfitness for work or for war veterans.
    • Rate reduction (permanent discount): A rate reduction will apply from pensionable age if the requirements for the full rate are not met; it ranges from 6% to 30% for each missing quarter.

     

    Key figures for the basic CAVA-CAVMU-CREA* retirement pension funds

    • Retirement pension effective date: the 1st day of the calendar quarter that follows your official pension application.
    • Pensionable age: Pensionable age is gradually moving up from 60 to 62, as determined by your date of birth.
    • Full-rate entitlement age: Gradually moving up from 65 to 67, as determined by your date of birth.
    • Full-rate pension eligibility : a full-rate pension is awarded before age 60 on the basis of long careers or disability. The full rate is awarded between ages 60 and 65 if you have the required number of quarters or are unfit to work and from age 65 with no length of career requirement.
    • Rate reduction (permanent discount): a rate reduction of 1.25% for each missing quarter will apply between ages 60 and 65 if the number of quarters credited to your account is below the required minimum.
    • Rate increase (permanent increase): a rate increase of 0.75% for each additional quarter will apply beyond age 60 if you have more than the required number of quarters.

    *Note: This scheme covers artist-authors who:

    • Paid contributions to the former CAVMU or the former CAVAR scheme prior to January 1st, 1977 (on that date, they were incorporated into the general Social Security scheme through Maison des Artistes or Agessa).
    • Paid contributions to the former CREA basic scheme before joining Maison des Artistes or AGESSA (if they joined after 1977).

     

    How your retirement pension is calculated (IRCEC)

    RAAP Scheme

    • One-time lump-sum payment (“versement forfaitaire unique”): the lump sum comes to 15 times the annual amount of your retirement pension.
    • Amount of your retirement pension :

     

    Number of points accrued

    X

    Value of the point (8.23 € in 2016)

    If you have raised at least three children for 9 years up to their 16th birthday, a 10% family top-up will apply to the above amount.

     

    RACL scheme

    • One-time lump sum payment (“versement forfaitaire unique”): One-time lump-sum payment (“versement forfaitaire unique”): the lump sum comes to 15 times the annual amount of your retirement pension.
    • Amount of your retirement pension:

    Number of points accrued

    X

    Value of the point (0.529 € in 2016)

    RACD scheme

    Amount of your retirement pension :

    Number of points accrued

    X

    Value of the point (0.366 € in 2016)

     

    Basic CAVA-CAVMU-CREA* retirement pension scheme

    Number of points accrued

    X

    Annual value of the point (0.5626 € as of October 1st, 2015)

     

    Quarters accrued under the former CAVMU, former CAVAR, or former CREA schemes will be converted into points, with 100 points for each quarter of insurance.

     

    *Note: This scheme covers artist-authors who :

    • Paid contributions to the former CAVMU or the former CAVAR scheme prior to January 1st, 1977 (on that date, they were incorporated into the general Social Security scheme through Maison des Artistes or Agessa).
    • Paid contributions to the former CREA basic scheme before joining Maison des Artistes or AGESSA (if they joined after 1977).

    To learn more, please refer to IRCEC’s website.

    Lawyers (CNBF)

    Key figures (CNBF)

    • Statutory age (“âge légal”)

    Statutory age is 62 for those born in or after 1955 and ranges from 60 to 62 for those born prior to 1955.

    • Rate reduction (“décote”) : 1.25% for each missing quarter
    • Age at which the rate reduction ceases to apply

    The rate reduction ceases to apply between ages 65 and 67, as determined by your birth year.

    • Rate increase (“surcote”)

    A rate increase of 0.75% applies for each additional quarter of contributions accrued between January 1st, 2004 and June 30, 2010. The rate increase comes to 1.25% for each additional quarter of contributions accrued from July 1st, 2010.

     

    How your retirement pension is calculated (CNBF)

    Your retirement pension will be calculated based on a notional amount which is set each year by CNBF. This amount is then reduced or increased based on your years of contributions.

     

    Length of insurance (length of contributions or equivalent years under CNBF)

    ____________________________________________________

    Reference length*

    X

    Reference amount

    X

    Pension rate (full or other rate, determined on the basis of your length of insurance under all retirement schemes combined)

     

    *The reference length is 160 quarters if your length of insurance under the lawyers’ scheme, or your combined length of insurance under the lawyers’ scheme and the legal advisors’ scheme (Cipav) is above 59 quarters. Your reference length will be 60 quarters if your length of insurance is less than 60 quarters.

                To estimate your retirement pension entitlement, please use CNBF’s online tool .

    Your minimum pension award

    If you have accrued fewer than 60 quarters, your pension entitlement will be proportional to the old salaried workers’ allowance (“allocation aux vieux travailleurs salariés”/ AVTS).

    Supplementary retirement pension (CNBF)

    Your supplementary retirement pension is calculated on a point-based system. In order to claim, you will need to meet the same age and length of contribution requirements as for your basic retirement pension.

    Your supplementary retirement pension will be calculated as follows :

    Number of points accrued

    X

    Annual value of the point

     

     

    Salariés de la RATP (CRP RATP)

    chiffres clés (CRP RATP)

    • Âge légal : 60 ans jusqu’en 2016, puis passage par paliers de 4 mois à 62 ans de 2017 à 2022.

     

    • La durée de référence dépend de la date d’ouverture de vos droits.

    Nombre de trimestres pour une retraite RATP à taux plein (75%) :

     

    Période où vos droits sont ouverts

     

    Nombre de trimestres

     

    A compter du 01/07/2016 au 30/06/2017

     

    164

     

    A compter du 01/07/2017 au 30/06/2018

     

    165

     

    A compter du 01/07/2018 au 30/06/2019

     

    166

     

    A compter du 01/07/2019 au 31/12/2020

     

    167

     

    A compter du 01/01/2021 au 30/06/2022

     

    168

     

    A compter du 01/07/2022

     

    168

     

     

    • Taux plein automatique (annulation de la décote) :

    Annulation de la décote :

     

    Période où vos droits sont ouverts

     

    Nombre de trimestres

    Age d’annulation de la décote

     

    A compter du 01/07/2016 au 30/06/2017

     

    164

    Age d’ouverture de droit + 3 ans (12 trimestres)

     

    A compter du 01/07/2017 au 30/06/2018

     

    165

    Age d’ouverture de roit + 3,25 ans (13 trimestres)

     

    A compter du 01/07/2018

     

    166

    Age d’ouverture de droit + 3,5 ans (14 trimestres)

     

    A compter du 01/07/2019 au 30/06/2020

    167

    Age d’ouverture de droit + 3,75 ans (15 trimestres)

     

    A compter du 01/07/2020 au 31/12/2020

    167

    Age d’ouverture de droit + 4 ans (16 trimestres)

     

    A compter du 01/01/2021 au 30/06/2021

    168

    Age d’ouverture de droit + 4 ans (16 trimestres)

     

    A compter du 01/07/2021 au 30/06/2022

    168

    Age d’ouverture de droit + 4,25 ans (17 trimestres)

     

    A compter du 01/07/2022

    168

    Age d’ouverture de droit + 4,5 ans (18 trimestres)

    • Surcote

    Chaque trimestre supplémentaire travaillé augmente votre retraite de 1,25%, dans la limite de 20 trimestres.

    Le calcul du montant de votre retraite CRP RATP

    Montant de la retraite :

     

    Coefficient hiérarchique cotisé sur les 6 derniers mois d’activité

    x

    Coefficient du 13ème droit

    x

    Valeur du point

    x

    Taux de remplacement* (75% pour le taux plein)

     

     

    * Taux de remplacement :

    .

    Durée de service à la RATP


    Durée de référence

    x

    75%

    Majoration pour enfant

    Si vous avez eu trois enfants ou plus, le montant de votre retraite peut être augmenté, sous conditions.

     

    Pour en savoir plus, consultez l’article " J’ai eu des enfants "

     

    For personalized information based on your pension schemes, please log into your pension account.

    Link to the pension account login page

    You can also use this account to :

    • access your career history
    • and estimate your pension entitlements

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    Vous êtes ici : Accueil / Retraite de l’Indépendant / Déclaration fiscale : Où dois-je inscrire ma cotisation déductible de ty…


    23
    réponses


    1. DELPUECH


      DELPUECH dit :

      Bonjour, je suis chirurgien dentiste et n’ai pas cotisé au max du plafond madelin en 2009 .2010. 2011.

      Puis-je augmenter de moi meme le plafond 2012 du relicat restant des trois années 2009 .2010. 2011 et ou et comment cela doit il etre stipulé sur la 2035 , 2042.

      Merci de votre réponse

      Répondre


      • yrenaud


        yrenaud dit :

        Bonsoir,

        Malheureusement non. Vous ne pouvez en aucun cas rattraper vos droits à déduction antérieurs non utilisés …

        Le droit au report des 3 ans existe néanmoins avec le PERP, mais la règlementation de la loi Madelin et du PERP dépendant toutes deux de l’environnement de la loi FILLON, donc d’un droit commun à déduction fiscale, vous devez choisir le support qui vous est le plus favorable. Sauf à imaginer utiliser le PERP pour votre conjoint, en complément de votre déduction personnelle de type Madelin …

        Nous sommes bien entendu à votre disposition pour vous présenter cette solution en détail.

        Cordialement

        Yves Renaud

        Répondre


    2. Laurent


      Laurent dit :

      Bonjour,

      Je suis en EI TNS avec BNC.

      J’ai cotisé toute l’année, ces cotisations ont été déduites de mon CA lors du bilan comptable puisqu’elles sont prélevées sur mon compte dit « professionnel ».

      Un courrier de mon assureur m’invite à reporter la somme totale des cotisations sur ma 2042 en case 6qs.

      Je dois ne dois donc pas reporter les cotisations sur ma déclaration sur les revenus ?

      Merci de votre réponse

      Laurent

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        Effectivement, vous ne pouvez passer vos cotisations en déduction de votre chiffre d’affaires, telles des charges (Article 39 du CGI). Et ce, du fait que vos cotisations Madelin ne sont déductibles uniquement sur le plan fiscal !

        Le fait de les passer en charges au bilan aurait pour conséquence de diminuer votre BNC sur le plan fiscal et Social, ce qui est parfaitement illégal …

        Vous devez donc stipuler votre BNC sans en déduire vos cotisations Madelin et mentionner celles-ci à part, dans la case prévue à cet effet, de façon à bien procéder uniquement à la déduction fiscale correspondante …

        Cordialement

        Yves Renaud

        Répondre


    3. Olivier


      Olivier dit :

      Bonjour,

      La cotisation Madelin d’un gérant majoritaire peut elle être payée tantôt sur sa rémunération propre, tantôt par sa société ou l’option prise est-elle irrévocable?

      Par ailleurs, si la cotisation est payée par son entreprise, peut-il abonder avec un versement propre ?

      Merci pour vos réponses.

      Cordialement. O.V.

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        Effectivement, la cotisation Madelin peut être payée à titre personnel (déductible fiscalement de sa rémunération déclarée et sans incidence sociale) ou par l’entreprise (se rajoutant à la rémunération de gérance sur le plan social). Vous pouvez très bien alterner le principe de financement d’une année à l’autre puisque le contrat est bien au nom de l’assuré … Notre article vous en explique tout l’intérêt en fonction de votre taux marginal d’imposition …

        Quant à l’abondement personnel sur une cotisation Madelin financée par l’entreprise, cela est impossible pour des raisons d’ordre comptable.

        En cas de doute, vous pouvez nous contacter.

        Cordialement

        Yves Renaud

        Répondre


    4. Olivier


      Olivier dit :

      Merci beaucoup pour cette première réponse.

      Par ailleurs, vous dites que si la cotisation d’un gérant majoritaire est payée par lui, il doit inscrire sa rémunération nette en case AJ. Mais, s’il fait ça, cela va réduire sa deduction forfaitaire de 10%. Ne peut il pas declarer l’intégralité de la rémunération en AJ et inscrire la cotisation madelin en 6RS, comme pour le PERP ?

      Cordialement.

      O.V.

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        Effectivement, dans un tel cas, vous ne pouvez cumuler la déduction des 10% sur votre rémunération de gérance totale, à la déduction de votre cotisation Madelin ! D’où la nécessité de la déduire avant de procéder au calcul de l’abattement des 10%. Ce qui est en parfaite cohérence avec le cas inverse, où cette cotisation Madelin serait financée par la société, la rémunération restant alors identique sur le plan fiscal !

        L’intérêt de ce mode de calcul est surtout d’éviter de surcharger socialement la cotisation Madelin, tout en optimisant l’économie fiscale puisque le taux marginal d’imposition étant supérieur au taux d’IS …

        Cordialement

        Yves Renaud

        Répondre


    5. Olivier


      Olivier dit :

      Bonjour M. RENAUD,

      Merci encore, cela devient très clair.

      Maintenant, que se passe t il si un gérant majoritaire augmente sa rémunération pour payer sa cotisation madelin lui-même ? Vous semblez dire que cela est interdit.

      Merci d’avance.

      Cordialement. O.V.

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        Pas dut tout. Le gérant peut très bien augmenter sa rémunération, tout au tant qu’il ait l’accord de ses associés ou qu’il détienne la majorité au quorum (85% des parts).

        Mais quel intérêt dans ce cas de financer sa cotisation Madelin, à titre personnel, en augmentant sa rémunération ?

        Le gérant va donc augmenter son assiette sociale, tout comme s’il faisait payer sa cotisation par son entreprise …

        Payer sa cotisation Madelin personnellement implique de ne pas augmenter sa rémunération ! C’est simplement une question de bon sens !

        Cordialement

        Yves Renaud

        Répondre


    6. Anthony


      Anthony dit :

      Bonjour,

      Merci pour cet article très bien rédigé.

      Je suis Gérant d’une EURL imposé à l’IS. Je souhaite souscrire un contrat mutuelle loi Madelin auquel serait rattaché également mon épouse qui relève du régime générale.

      Puis-je dans ce cas de figure faire prélever les cotisations de la mutuelle sur mon compte pro ? Faut elle que mon épouse rembourse à ma societé sa part de cotisation ?

      Merci d’avance

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        Nous vous remercions de votre visite et vous adresserons, tout prochainement, les études personnalisées répondant à votre recherche, évoquées durant notre entretien téléphonique.

        Cordialement

        Yves Renaud

        Répondre


    7. Darmiro


      Darmiro dit :

      Bonjour,

      Etant médecin, je cotise depuis quelques années à une assurance dite loi Madelin.

      Je n’ai jamais déduit fiscalement les cotisations sur la 2035 et de ce fait je n’ai pas déclaré les montants sur la 2042.

      Lors de la retraite, la rente sera-t-elle imposable?

      Merci d’avance.

      Cordialement

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        La question tout de même essentielle est de savoir sur quel compte vous avez financé ces primes. Votre compte bancaire professionnel ou personnel ? Nous supposons le personnel, car dans le cas contraire, votre comptable vous aurait de facto exigé les attestations fiscales correspondantes pour accepter de les passer en comptabilité professionnelle.

        Mais alors, à quoi bon avoir souscrit un contrat de type Madelin, qui, de surcroit, ne vous autorise qu’une sortie en rente ? Cela est d’autant plus préjudiciable que la non déduction fiscale ne vous exonère en aucun cas de la déclaration fiscale de la rente perçue, la compagnie d’assurance y étant elle même tenue, sans pour autant être concernée par la non déduction de vos primes ! Le fait de ne pas avoir usé de votre droit à déduction n’est malheureusement pas pour vous un argument recevable au titre de la non imposition de la prestation. Que vous ayez pris la décision de ne pas déduire vos cotisations, que vous l’ayez simplement omis, peu importe. Seuls les trois derniers exercices comptables vous autorisent à demander une modification de vos déclarations fiscales, vous permettant ainsi la récupération d’impôts correspondante …

        Vous n’aviez pas fait le bon choix du contrat d’assurance retraite ou vous aviez été mal orienté. Nous en sommes désolés. Mais il est toujours temps de corriger cette situation.

        Restant à votre disposition,

        Cordialement

        Yves Renaud

        Répondre


    8. boudedja


      boudedja dit :

      bonjour

      afin de bénéficier de la loi madelin doit obligatoirement payer avec professionnel?

      dans le cadre d’un controle fiscale peut on nous exigé le reglement via compte pro?

      vous en remerciant par avance

      bien cordialement

      fatima

      Répondre


      • yrenaud


        yrenaud dit :

        Bonjour,

        non, pas du tout. Vous pouvez financer votre contrat Madelin sur votre compte bancaire personnel.

        Cordialement

        Yves Renaud

        Répondre


    9. gabay


      gabay dit :

      bonjour,

      etant gérante majoritaire d’une société si je comprends bien vos explications .Si ma société finance annuellement 6000 euros de cotisation retraite madelin,une fois que mon expert comptable calcule mon résultat imposable ex 25000 eur ,si j’ai mis 6000,mon is ne se fera que sur 19000 euros est ce cela?

      DE l’autre côté sur mon ir si mon revenu est de 40000 eur avant abbatement des 10,que devient ma cotisation madelin si le plafond de déductibilité a bien été respecté,concrètement que se passe t-il pour ces 6000 eur,est -ce juste une obligation déclarative?J ‘ai bien compris que mes 6000 euros entrainent des cotisations rsi que ma société règle.Merci de m’éclairer, s’agissant du perp si j’envisageais d’en souscrire un à titre perso,je déduis les sommes avant abbatement ou après..merci par avance

      Répondre


    10. FABRE


      FABRE dit :

      Bonjour

      Je suis auto-entrepreneur, rattachée au RSI.

      Depuis le mois de décembre 2013, je suis à la mutuelle générale et il m’a été mis en avant la déclaration de mes cotisations sur la feuille d’impôts.

      Mais le problème est que lorsque vous demandez un peu plus d’explications aux assurances, ils ne savent pas comment il faut déclarer. et vous disent de demander au centre des impôts.

      Je suis perdue, car sur la brochure de la mutuelle générale, à la partie explication déclaration, ils parlent d’un plafond de montant. Je vous écris la partie consacré à cette déclaration et faisant partie de la brochure fournie :

      ___________________________________________

      En tant que travailleur Non Salarié, vous pouvez déduire vos cotisation au contrat Advengo de votre revenu professionnel imposable.

      Cette déducton fiscale est limitée selon le plafond suivant : 3.75 % de votre revenue professionnel augmenté de 7 % du PASS, le tout limité à 3 % de 8 PASS.

      Ce plafond de déductibilité :

      – est valable pour les cotisations de santé et de prévoyance

      – reste indépendant du disponible fiscal retraite

      -se calcule selon les revenus de l’année en cours (et non N-1)

      Exemple :

      Pour un revenu de 50000€ en 2013, le plafond fiscal prévoyance et santé sera de :

      3.75% de 50000€ + 7 % du PASS = 4467,24€

      *PASS = plafond annuel de la sécurité sociale

      _________________________________________________

      J’ai demandé des explications à la mutuelle générale sur cette partie, ils ne savent pas me répondre et me renvoient vers les impôts malgré que cela soit leur brochure.

      Je ne suis qu’une simple auto-entrepreneur, je déclare mensuellement mes revenus à l’urssaf et paie mes impots et charges mensuellement. Au moment de remplir ma déclaration mes revenus professionnels sont déjà noté puisque je les ai déjà déclaré auparavant et je les retrouve bien sur la feuille d’impôts.

      je n’ai que cette assurance complémentaire, toutes les explications que j’ai pu lire sur votre site me paraissent beaucoup moins complexes que les explications de la brochure que je détiens.

      Pouvez vous me dire comment je dois déclarer cette assurance complémentaire SVP ?

      le montant de mes revenus professionnels est connu du centre des impôts, vu que je les déclare tous le mois,

      Suffit -il simplement de reporter dans la case BU ligne 25 de la déclaration le montant annuel de cette cotisation ?

      Y a t-il à tenir compte d’un montant de revenu professionnel ?

      Merci pour votre réponse.

      Cordialement

      Mme FABRE

      Répondre


      • Yves Renaud


        Yves Renaud dit :

        Madame,

        Nous sommes désolés de ne pas avoir pu vous répondre plus tôt, suite à de très importants dysfonctionnements de réception des commentaires sur notre site.Nous vous prions de bien vouloir nous en excuser.

        Pour répondre à votre question, la réponse est simple. En tant qu’auto-entrepreneur, utilisant de facto le principe du micro-BIC ou micro BNC, vos charges étant donc considérées « forfaitairement », vos cotisations de type « Madelin » sont donc considérées comme étant déjà comprises dans votre calcul de charges … Cela revient à dire, malheureusement, que vous ne pouvez déduire ces cotisations « Madelin », votre statut d’auto-entrepreneur ne vous y autorisant pas. Cordialement Yves Renaud

        Répondre


    11. Nicolas


      Nicolas dit :

      Bonjour,

      Je suis autoentrepreneur à temps partiel et salarié le reste du temps. J’ai souscrit un contrat de prévoyance complémentaire. Si je vous suis, en tant qu’autoentrepreneur entrepreneur je ne peux pas deduire les cotisations en loi madelin. OK. Je suis en arrêt maladie depuis plus d’un an. Ma question est simple mais personne ne me donne la bonne réponse. Dans la mesure où je n’ai pas les avantages fiscaux de la loi madelin, dois je declarer les indemnites journalieres versees par la prévoyance complémentaire, dans la mesure où il s’agit pour le coup d’une prevoyance complementaire facultative à adhesion individuelle ?

      Répondre


      • Yves Renaud


        Yves Renaud dit :

        Bonjour,

        Un contrat de prévoyance dont les garanties sont bien de type forfaitaire, donc ne tenant pas compte de votre revenu réel et de vos indemnités légales (RSI) n’est pas soumis à déclaration.

        A l’inverse, un contrat de prévoyance dont les garanties sont bien de type indemnitaire, donc tenant forcément compte de votre revenu réel puisque complétant vos indemnités du RSI, est bien soumis à déclaration.

        En conclusion, tout dépend du type de contrat de prévoyance qui vous a été proposé et auquel vous avez souscrit …

        Répondre


    12. DE BAETS


      DE BAETS dit :

      bonjour,

      ma femme est autoentrepreneur, moi je suis conjoint collaborateur. j’ai reçu une attestation de cotisations assurance complementaire maladie. Quoi faire avec ça? A quel endroit dois j’inscrire la cotisation?

      merci

      kristof de baets

      Répondre


      • Yves Renaud


        Yves Renaud dit :

        Bonjour,

        Vous ne pouvez strictement rien en faire, dans la mesure où le statut d’auto-entrepreneur ne donne pas droit à la déduction « Madelin » … Il s’agit là d’une erreur de votre assurance qui vous a délivré une attestation de déduction fiscale par erreur …

        Cordialement

        Yves Renaud

        Répondre

    Répondre

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