Supplementary retirement of an official (Rafp)
Verified 09 February 2024 - Directorate for Legal and Administrative Information (Prime Minister)
As a public servant, you are required to contribute to the Public Service Supplementary Retirement Plan (PSPP). The RAFP is a supplementary retirement pension on your mandatory basic retirement from SRE: titleContent (if you are a government official) or CNRACL: titleContent (if you are a territorial or hospital official). We present you the main rules of supplementary retirement.
The RAFP: titleContent is a compulsory supplementary pension scheme reserved for civil servants.
The RAFP was introduced in 2005.
Upon your retirement, you receive a supplementary pension from the PFRP in addition to your basic public servant pension paid by the SRE: titleContent or the CNRACL: titleContent.
To benefit from the supplementary pension, you must meet the following 2 conditions:
- To be admitted to retirement with the SRE: titleContent if you are a public servant, or CNRACL: titleContent, if you are a territorial or hospital official
- Have reached a minimum the statutory retirement age
Warning
If you have early retirement (for invalidity, long career, handicap, parent of a disabled child), you still have to wait until you reach the statutory retirement age to apply for your supplementary pension.
Included remuneration
You contribute to the RAFP: titleContent on the basis of the following remuneration elements:
- Premiums and allowances of any kind
- Benefits in kind
- Any other remuneration on which you do not contribute to the civil and military retirement pension plan or to the CNRACL: titleContent
Benefits in kind (e.g. accommodation or company vehicle) are taken into account for their tax-declared value.
All these remuneration elements shall be taken into account up to 20% of the amount of your index treatment annual gross.
FYI
Specific provisions are laid down for State officials assigned to Wallis and Futuna, French Polynesia, Saint Pierre and Miquelon or New Caledonia to benefit from additional pension points.
Rate of contributions
You contribute up to 5% the remuneration taken into account.
Your employer administration also.
Example :
If you are receiving a gross index treatment of €28,000 per year and premiums for a total gross annual amount of €7,200, you contribute to the amount of your premiums up to 20% of €28,000, or €5,600. Your contribution annual is €5,600 x 5% = €280. The annual amount of employer contributions from your employer authority is the same.
The RAFP: titleContent is a regime of retreat by points.
Your contributions are converted into pension points and upon retirement these pension points are converted into a retirement pension.
How many points are accumulated?
The amount of your employee and employer contributions paid by your employer authority is divided by the purchase value of the pension point.
The result is rounded to the top.
In 2024, the point's purchase value is set at €1.41120.
The purchase value varies by year.
Example :
If the amount of your employee and employer contributions is €450 in 2024, you get 335 points (450/1.41120 = 318.87 rounded to 319).
The points earned each year are accumulated throughout your career.
You can simulate the number of points accumulated:
How is the supplementary retirement pension calculated?
The calculation of your retirement will vary depending on the number of points you have earned over your career.
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Up to 4,599 points
The RAFP: titleContent provides you with a retirement in the form of a principal upon your retirement.
The amount of this capital shall be calculated according to the following formula:
Number of points accumulated x Point service value in effect at start date x Surcharge factor (variable depending on your age) x Capital conversion factor (variable depending on your age)
The point service value in 2024 is €0.05378.
The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:
Age of applicant | Surcharge rate |
|---|---|
62 years maximum | 1 |
63 yrs | 1.04 |
64 yrs | 1.08 |
65 years | 1.12 |
66 yrs | 1.17 |
67 yrs | 1.22 |
68 yrs | 1.28 |
69 yrs | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 yrs | 1.62 |
74 yrs | 1.71 |
75 years or older | 1.80 |
The capital conversion coefficient varies according to your age at the date of your retirement, as follows:
Age of applicant | Conversion coefficient |
|---|---|
62 yrs | 27.11 |
63 yrs | 26.34 |
64 yrs | 25.57 |
65 years | 24.79 |
66 yrs | 24.02 |
67 yrs | 23.25 |
68 yrs | 22.47 |
69 yrs | 21.70 |
70 years | 20.92 |
71 years | 20.15 |
72 years | 19.37 |
73 yrs | 18.61 |
74 yrs | 17.84 |
75 years or older | 17.07 |
Example :
If you have accumulated 4,400 points and you apply for your retirement in 2024 at age 63, the amount paid to you is €6,482.20 (4400 x 0.05378 x 1.04 x 26.34).
You can simulate the amount of your pension:
From 4,600 to 5,124
The RAFP: titleContent pays you a pension in the form of a principal.
One 1re Part of this capital is paid to you upon your retirement.
The balance shall be paid no later than the 16the month after 1er payment.
The amount of the capital shall be calculated according to the following formula:
Number of points accumulated x Point service value in effect at start date x Surcharge factor (variable depending on your age) x Capital conversion factor (variable depending on your age)
The point service value in 2024 is €0.05378.
The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:
Age of applicant | Age of applicant |
|---|---|
62 years maximum | 1 |
63 yrs | 1.04 |
64 yrs | 1.08 |
65 years | 1.12 |
66 yrs | 1.17 |
67 yrs | 1.22 |
68 yrs | 1.28 |
69 yrs | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 yrs | 1.62 |
74 yrs | 1.71 |
75 years or older | 1.80 |
The capital conversion coefficient varies according to your age at the date of your retirement, as follows:
Age of applicant | Conversion coefficient |
|---|---|
62 yrs | 27.11 |
63 yrs | 26.34 |
64 yrs | 25.57 |
65 years | 24.79 |
66 yrs | 24.02 |
67 yrs | 23.25 |
68 yrs | 22.47 |
69 yrs | 21.70 |
70 years | 20.92 |
71 years | 20.15 |
72 years | 19.37 |
73 yrs | 18.61 |
74 yrs | 17.84 |
75 years or older | 17.07 |
The amount of the 1re share is calculated according to the following formula:
Number of points accumulated x Point service value in effect at start date x Mark-up factor (variable depending on your age) / 12 x 15
Example :
If you have accumulated 4,835 points and you apply for your retirement in 2024 at age 63, the total amount of principal owed to you is €7,123.06(4835 x 0.05378 x 1.04 x 26.34).
The amount of the 1re share paid on your retirement is €338.03 (4835 x 0.05378 x 1.04 / 12 x 15).
The balance of the paid-up capital by the 16the next month is €6,785.03 (7 123,06 - 338,03).
You can simulate the amount of your pension:
Equal to or greater than 5,125 points
The RAFP: titleContent provides you with a pension, paid monthly to expired term.
The annual amount of your pension is calculated according to the following formula:
Number of points accumulated x Point service value in effect at the start date x Surcharge factor (varies depending on your age)
The point service value in 2024 is €0.05378.
The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:
Age of applicant | Surcharge rate |
|---|---|
62 years maximum | 1 |
63 yrs | 1.04 |
64 yrs | 1.08 |
65 years | 1.12 |
66 yrs | 1.17 |
67 yrs | 1.22 |
68 yrs | 1, 28 |
69 yrs | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 yrs | 1.62 |
74 yrs | 1.71 |
75 years or older | 1.80 |
Example :
If you have accumulated 8,000 points on your GBP account and you apply for your 2024 pension at age 63, your pension amount is €447.45 gross per year: (8 000 x 0,05378 x 1,04), or €37.29 per month.
You can simulate the amount of your benefit:
Your supplementary retirement pension is subject to the CSG: titleContent and the CRDS: titleContent.
However, rate are different depending on your household income.
Your supplementary retirement pension may also be subject to the Solidarity for Autonomy Contribution (Casa).
Your request for a supplementary pension is made at the same time as the application for a basic retirement pension.
If you die, a survivor's benefit may be paid under conditions by the RAFP: titleContent your surviving spouse, your separated spouse, your divorced ex-spouse, unless he/she is living in a relationship.
A benefit is also paid on condition to your orphaned children.
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Additional Public Service Pension Institution (PSPRA)
Additional Public Service Pension Institution (PSPRA)
Additional Public Service Pension Institution (PSPRA)