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Supplementary private pension: Agirc-Arco
Verified 17 January 2023 - Directorate for Legal and Administrative Information (Prime Minister)
As a private-sector employee, you are required to contribute to the supplementary pension schemeAgirc: titleContent. These contributions allow you to benefit from a supplementary pension upon retirement, following your basic Social Security pension.
What applies to you ?
TheAgirc: titleContent is a supplementary pension fund to which you coax necessarily as a private sector employee.
Agirc-Arco is a point pension plan, that is, your contributions are converted into retirement points.
And when you retire, those pension points are converted back into retirement pensions.
To retirement, your Agirc-Arco pension is in addition to your basic pension paid by the Social Security Pension Insurance.
Contributed Working Periods
Your salary supplemental pension contributions (deducted from your gross salary) and employer contributions allow you to earn pension points throughout your career.
These items are on your individual retirement point account and serve as the basis for the calculation of your pension paid by the Agirc-Arco upon retirement.
The contribution rates are as follows:
Contributions shall be borne at 60% by your employer 4.72% on tranche 1 and 12,95% on tranche 2) and 40% by you (or 3,15% on tranche 1 and 8,64% on slice 2).
Acquired pension points shall be calculated as follows:
(Pay x calculation rate of points) / purchase price of the retirement point (also called reference salary)
In 2022, the calculation rates of points and the reference salary are as follows:
The difference between the contribution rate and the calculation rate of points does not allow to obtain pension points, its function is to contribute to the financing of the Agirc-Arco plan.
If your annual remuneration is €45,500 in 2023, your contribution (salary and employer) in 2023 is as follows:
- Slice 1: (€43,992 x 7,87% = €3,462.17
- Slice 2: (45 500 - €43,992) x 21,59% = €217.63
And your number of points earned during the year is calculated as follows:
- Slice 1: (€43,992 x 6,20%) = 2,727.50 / 17.4316 = 156 points
- Slice 2: (45 500 - €43,992) x 17% = 171.36 / 17.4316 = 9 points
That's a total of 165 retirement points in 2023.
You can view your number of points on your individual points account on the Agirc-Arco website in your personal space.
Certain periods of non-contributory inactivity may, under certain conditions, vary according to 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:
- Periods of work stoppage of more than 60 consecutive days for sickness, maternity, adoption or accident at work in which you have received daily allowances or an invalidity pension or an occupational accident at work or sickness pension corresponding to at least 2/3 incapacity
- Periods of unemployment compensated by the Return to Work (ARE) or Occupational Security (ASP) or the Specific Solidarity (SSA) allowance
- Periods of unemployment more than 60 hours (consecutive or otherwise) in the same year
Maintenance of rights in case of reduction of working time
In some cases, when you are not fully or partially active, your contributions will still be calculated on the basis of your full-time remuneration.
This is particularly the case in the following situations of reduced working hours:
- Part-time work established by company agreement for employees aged at least 55 years
- Part-time work due to the difficult business environment of the company
- Part-time work established under a National Employment Fund (NFE) agreement for part-time transition assistance
Termination of Employer-Funded Activity
In certain cases of complete cessation of activity, your employer ensures the payment of contributions to Agirc-Arco as if you were continuing your activity.
This is particularly the case in the following situations:
- Employee aged 55 or over who is placed in pre-retirement by collective agreement
- Employee on Conversion Leave
- Employee on parental leave, parental leave, family solidarity leave, close caregiver leave
You can redeem additional pension points for the following periods:
- Graduate years
- Incomplete years for which the number of quarters held by Social Security Pension Insurance is less than 4
- Unemployment periods compensated by the Head of company Social Security (CSG)
You can apply for your supplementary pension from the age of 62.
It is recommended to apply 6 months before the desired retirement date.
The request is made online:
Calculation of pension amount
When applying for a pension, your number of pension points earned during your career is multiplied by point service value.
The service value of the Agirc-Arco point is set to €1.3498.
An employee who has earned 4,000 points can earn €5,399.20 per year.
The supplementary pension is paid monthly.
However, if the number of points is between 101 and 200, it is paid annually.
If the pension is less than or equal to 100, the pension is paid in one lump sum.
The supplementary pension shall be subject to an annual revaluation at 1to November.
You can estimate the amount of your supplementary pension:
Falling on the number of retirement points
Your number of points is subject to a discount (i.e. reduced) if you apply for your supplementary pension before age 67.
The Agirc-Arco supplementary pension is paid without reduction of the number of pension points from the age of 67.
You can apply for your supplementary retirement from age 57 even if you do not have a full-rate Social Security Pension.
But, in this case, your number of retirement points is reduced by applying a dimming coefficient, variable depending on the age at which you apply for retirement.
Increase in the amount of child's pension
Your pension is increased if you have had or raised at least 3 children.
This increase is final.
Your pension is also increased if you still have one or more dependent children when you retire.
This increase is temporary.
It is granted to you as long as the child(s) remain at your charge.
You cannot benefit from these 2 increases simultaneously.
If you qualify for these 2 increments, you are awarded the highest increase.
When you cease to benefit from the dependent child surcharge, you can then benefit from the 3-child surcharge, if you meet the conditions.
Decrease and increase of pension amount by age of departure
The amount of your supplementary pension is reduced or increased depending on the date you claim it after you have obtained your full-rate basic pension from Social Security Pension Insurance.
This reduction or increase applies to employees born from 1957 who apply for their supplementary pension and who qualify for a full-rate basic pension before age 67.
If you apply for your supplementary pension at the same time as your full-rate basic pension, your supplementary pension is reduced by 10% for 3 years up to the age of 67.
The amount of the supplementary pension shall be reduced by 5% for 3 years if subject to reduced GSA rate.
No reduction is applied in the following cases:
- Your supplementary pension is exempt from CSG
- You apply for your supplementary pension at least 1 year after you have earned your full-rate basic pension
- You benefit from early retirement, particularly for disability or as a former asbestos worker
If you apply for your supplementary pension at least 2 years after you have obtained your full-rate basic pension, the amount of your supplementary pension is increased for 1 year under the following conditions:
- 10% if you apply for your supplementary pension 2 years after your basic retirement
- 20% if you request it 3 years after
- 30% if you request it 4 years after
Who can help me?
Find who can answer your questions in your region
- Agirc-Arco Supplementary Retirement: Personal space
- Agirc-Arco Supplementary Retirement Calculator
- Apply for Agirc-Arco retirement online
- AgircAgirc-Arco Federation
- Retirement InfoPublic interest group "Union retiree"
- Head of company Social Guarantee (CSG)Association for the Social Guarantee of Heads and company Leaders (GSC)
- Agirc-Arco: Diminishing Factors for the Number of Points (PDF - 749.7 KB)Agirc-Arco Federation