Supplementary private pension: Agirc-Arco

L'Agirc-Arco: titleContent is a supplementary pension fund to which you contribute obligatorily as a private sector employee.

The Agirc-Arco is a point pension plan, i.e. your contributions are converted to points of retirement.

And when you leave retiring, these points retirement pension are reconverted into a pension of retirement.

To your retirementHowever, your Agirc-Arco pension is in addition to your basic retirement pension from Social Security Pension Insurance.

Periods worked contributed

Your supplementary pension contributions (salary, deducted from your gross salary, and employer contributions) allow you to earn pension points throughout your career.

These points are written on your individual pension account.

The contribution rates are as follows:

Retirement points are calculated as follows:

(Remuneration x point calculation rate) / purchase price of the pension point (also called reference salary)

In 2025, the point calculation rates and reference salary are as follows:

You can check your retirement points on your individual points account on the Agirc-Arco website in your personal area:

Supplementary retirement from Africa-Arco: personal space

Periods not worked

Certain periods not worked and not paid contributions may, under certain conditions variable depending on the nature of these periods, be treated as periods of retirement contributions.

Thus, in particular, the following periods give rise to the allocation of free points, i.e. without contribution in return:

• Accident at work accident at work Periods of absence from work longer than 60 consecutive days for sickness, maternity, adoption or child care during which you have received daily allowances or an invalidity pension or an occupational disease pension corresponding to an incapacity rate of at least 2/3
• Unemployment periods compensated by the Return to Employment Assistance (RWA) or the Occupational Security Allowance (OSA) or the Specific Solidarity Allowance (SSA)
• Periods of short-time work more than 60 hours (consecutive or not) in the same year.

Other situations

In some cases, when you are exempted from carrying out all or part of your activity, your contributions are still calculated on the basis of your full-time remuneration.

For example: in case of part-time work due to the difficult economic situation in which your company finds itself.

In certain cases of complete cessation of activity, your employer pays contributions to Agirc-Arco as if you were continuing your activity.

This is particularly the case for the following types of leave: parental leave, parental leave, family solidarity leave and caregiving leave.

You can also ask redeem additional pension points for the following periods:

• Graduate years
• Incomplete years for which the number of quarters retained by the Social Security Pension Insurance is less than 4.

You can apply for your supplementary retirement pension fromstatutory minimum retirement age if you are entitled to a basic full-rate pension of the Social Security Pension Insurance.

It is advisable to apply 6 months before the desired retirement date.

You can apply online in your personal area:

Supplementary retirement from Africa-Arco: personal space

Calculation of pension amount

When applying for your pension, your number of pension points earned during your career is multiplied by the point service value.

The service value of the Agirc-Arco point is set to €1.4386 from 1^er November 2024.

The supplementary retirement pension shall be paid on 1^er working day every month.

However, if the number of points is between 101 and 200, it shall be paid once a year at the beginning of the year.

If it is less than or equal to 100, the pension shall be paid in one installment.

The supplementary retirement pension is subject to a annual revaluation on 1^er November.

You can estimate the amount of your supplementary retirement pension in your personal area:

Supplementary retirement from Africa-Arco: personal space

Increase in the amount of child's pension

The upright of your retirement pension is increased if you have had or raised at least 3 children. This increase shall be final.

Your pension is also increased if you still have one or more dependent child(ren) upon retirement. This increase is temporary. It is granted to you as long as the child(ren) remains in your care.

You cannot take advantage at the same time the payment of these 2 increases.

If you meet the conditions to benefit from these 2 surcharges, you will receive the highest surcharge.

When you cease to benefit from the dependent child supplement, you can subsequently benefit from the supplement for 3 children, if you meet the conditions.

Full-rate or reduced-rate pension

Full rate pension

You can get your additional pension full rate if you are in any of the following :

• You have reached the legal minimum retirement age and you have the number of quarters required to qualify for a basic full-rate Social Security Pension Insurance pension
• You are 67 years of age (regardless of the number of quarters)
• You are entitled to an early basic pension for long career before the statutory minimum retirement age
• You are entitled to a full basic pension at age 62 for unfitness for work
• You are entitled to an early full rate basic pension for handicap
• You are entitled to an early full rate basic pension for permanent incapacity
• You are entitled to an early full rate basic pension as aformer employee exposed to asbestos
• You are entitled to a full basic pension as a family caregiver if you have stopped working for at least 30 consecutive months to help a disabled person
• You are entitled to a basic pension at a full rate as the parent of a disabled child who is entitled to the benefit of the PCH: titleContent if you have provided effective assistance for at least 30 months
• You are entitled to a full basic pension if you have raised a disabled child under 20 and receive at least 1 quarter of free pension insurance
• You are also entitled to a full pension from the statutory minimum retirement age if you have raised at least 3 children, worked manual labor and have at least 120 quarters of pension insurance.

Temporary markup and mark-up coefficients

The coefficient of reduction the number of points, called temporary solidarity coefficient, established in 2019, has been deleted since 1^er december 2023 if you have retired since that date.

If you retired before the 1^er december 2023, it has been deleted since 1^er April 2024.

This coefficient was applied if you were born from 1957 and you applied for your supplementary pension less than a year after you had obtained your basic full-rate social security pension. In this case, the amount of your supplementary pension was reduced by 10% for 3 years within your 67 years.

However, this reduction coefficient was not applied for the most modest pensioners, disabled pensioners and family carers in particular.

Likewise, the mark-up coefficient, called bonus, also established in 2019, is deleted if you were born on or after 1^er September 1961 and if your basic retirement began on or after 1^er December 2023.

This coefficient was applied when you applied for your supplementary pension at least 2 years after having obtained your basic pension at full rate. In this case, the amount of your supplementary pension was increased, for 1 year, under the following conditions:

• 10% if you apply for your supplementary pension 2 years after your basic pension
• 20% if you ask for it 3 years later
• 30% if you ask for it 4 years later.

The mark-up coefficient remains granted if you were born before 1^er September 1961 and if you postpone your retirement from 2 to 4 years.

Reduced rate pension

If you are not entitled to a basic full-rate Pension Insurance pension, the amount of your supplementary pension is subject to a reduction coefficient depending on your retirement age or the number of quarters you need to qualify for a basic pension at a full rate.

It is the coefficient that is most favorable to you that is used.

You can also apply for your supplementary pension from the age of 57 without applying for your basic pension.

In this case, the amount of your supplementary pension is subject to a reduction coefficient depending on your age.