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Supplementary Retirement of a Public Service Contract (Ircantec)

Verified 01 January 2023 - Directorate for Legal and Administrative Information (Prime Minister)

If you work in the Public Service as a contractor, you are required to contribute to a pension plan that is complementary to the basic Social Security Pension Insurance Plan. This compulsory supplementary pension scheme is theIrcantec: titleContent.

TheIrcantec: titleContent is a point-based supplementary pension scheme.

Thus, your contributions (employees and employers) are converted into points, based on a acquisition value of the Ircantec point (also called reference salary).

The points thus obtained are accumulated throughout your career as a contract agent.

When you retire, the amount of your pension is obtained by multiplying the number of points earned by the liquidation value of the point (or service value) effective on the date of your departure.

The acquisition value (to determine the number of points earned) and the liquidation value of the retirement point shall be revalued annually.

You must contribute to the Ircantec if you are a contractual member of the civil service (state, territorial or hospital).

The additional pension contributions paid each month from your remuneration and the contributions paid by your employer administration allow you to earn points.

Certain periods not worked and not contributed are eligible for free points.

If you have had at least 3 children, you can benefit from an increase in the total number of points.

These points are accumulated on an individual account called (point account).

How are your contributions converted to points?

Your contributions are converted to points based on an amount (called acquisition value or reference salary) that evolves every year.

The result is rounded up.

In 2023, the acquisition value used to record the number of retirement points is fixed at €5.329.

Example :

If the annual amount of your contributions and those of your administration in 2023 is equal to €1,000, you get 188 points (1000 /€5.329).

You can view online in your personal area the number of points earned on your individual account.

Personal area

How are the free points awarded?

The periods not worked and not contributed which qualify for the award of free points are:

  • Sick, maternity or adoption leave granted by Social Security for at least 30 consecutive days
  • Periods of receipt of a disability pension from the general social security system
  • Periods of receipt of an accident at work pension or occupational disease corresponding to a minimum of 2/3 incapacity
  • Periods of compensated unemployment
  • Periods of partial unemployment
  • Military service (if justified by at least one year of membership in Ircantec)
  • Periods of interruption of any professional activity to raise at least one child (provided that you have at least one year of membership in Ircantec)

Increase in the number of child points

Your total number of points is increased if you complete one of the following 2 conditions:

  • You have had at least 3 children
  • You, or your spouse, had at least 3 children, of which you were not a parent, for at least 9 years before they were 16e anniversary

The rate of increase of your number of points depends on the number of children you have had:

Increase rate based on number of children

Number of children

Point Count Increase Rate

3

10%

4

15%

5

20%

6

25%

7+

30%

Full-rate pension entitlement

Your pension is paid at full rate upon retirement if you meet any of the following conditions:

If you do not meet any of these conditions, your pension will be subject to haircut, meaning that your number of retirement points will be reduced under different conditions depending on your age of departure.

On the other hand, your number of pension points is increased (override) if you complete one of the following 2 conditions:

  • You continue to work while you meet the insurance requirement for full-rate pension (your number of retirement points is increased in this case 0,625% per quarter worked until retirement)
  • You get permission to work beyond the age limit. Your number of retirement points is increased in this case 0.75% per quarter worked between age limit and retirement age.

Calculation of pension

Your pension amount is calculated by multiplying the number of points you earned by the liquidation value of the point (or service value) effective on the date of your retirement.

This value shall be recalibrated annually at 1to January.

In 2023, the liquidation value of the point shall be €0.51621.

The calculation method then varies depending on the number of points you have earned.

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You have earned at least 3,000 points

Your pension is paid every month.

It is calculated as follows, for example in case of retirement in 2023 with 4 800 points: (4 800 x 0.51621) / 12 = €206.48 per month.

You earned between 1,000 and 2,999 points

Your pension is paid quarterly.

It is calculated as follows, for example in case of retirement in 2023 with 1,500 points: (1,500 x 0.51621) / 4 = €193.58 by quarter.

You earned between 300 and 999 points

Your pension is paid once a year.

It is calculated as follows, for example in case of retirement in 2023 with 500 points: 500 x 0.51621 = €258.11 per year.

You earned less than 300 points

You receive a one-time payment on retirement.

It is calculated as follows, for example in case of retirement in 2023 with 150 points: 150 x €5.083 = €762.45.

The application process varies depending on whether you are applying as a contract worker (public employee), a hospital practitioner or an elected official.

Contractual

You can make your request online in your personal area at least 2 months before your departure.

Personal area

You can also choose to contact an advisor Cicas: titleContent, 4 months before your retirement, who will propose you an appointment.

Who shall I contact
Hospital practitioner

You must contact the Ircantec online 4 months before your departure to obtain your retirement application file.

Hospital practitioner: Ircantec retirement application

Elected

In order to obtain your elected office for one or more terms, you must have ceased to hold all the elected offices of the same class of office and to receive the corresponding allowances.

Points earned under each mandate category shall be calculated separately.

If you ask for 1re Once you have retired for a term category, you must contact Ircantec to request a retirement application file.

Elected: Ircantec pension application

If you make a new application because you cease your elected office again after receiving a pension for another mandate category, you must make your new application by mail to Elected Unit Ircantec.

You must attach the following documents to this new application:

  • Certificate of termination completed by your employer. (This certificate must be completed in dematerialised form)
  • Bank Identity Statement
  • Copy of your last tax notice.

Certificate of termination/Statement of services to be validated

Who shall I contact

If you are applying for progressive retirement with Social Security, you can also take advantage of it at the Ircantec.

Who shall I contact