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Private retirement: minimum pension

Verified 01 janvier 2022 - Legal and Administrative Information Directorate (Prime Minister)

If you receive a full-rate pension from the General Old Age Security Insurance Plan, your pension cannot be less than a minimum amount, called minimum contribution. The amount of the minimum contribution varies depending on the length of retirement insurance and the number of quarters directly contributed to the general plan.

The amount of the pension paid at full rate by the Social Security Old Age Insurance may not be less than a minimum amount, called minimum contribution.

If basic retirement At full rate the general social security system is lower, it is then increased to the minimum contribution. This calculation is done automatically when you calculate your retirement.

  FYI : your spouse's resources are not taken into account in determining whether or not you are entitled to the minimum contribution.

You can benefit from the minimum contribution if you meet the following 3 conditions:

  • You are entitled to full-rate general plan basic pension
  • You have liquidated all your basic and supplementary pensions
  • The total amount of your pensions (basic and supplementary, in the private and public sector) does not exceed €1,214.20 per month

The amount of the minimum contribution varies depending on whether or not you justify at least 120 quarters contributed to the general social security system.

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Less than 120 quarters contributed

If you have less than 120 quarters contributed to the general plan, the minimum contribution amount is set at €7,831.24 per year €652.60 per month.

If your term of coverage under the general plan is less than the number of quarters required for the full-rate pension, the amount of the contributory minimum is reduced in proportion to your term of insurance under the general scheme.

If you meet the conditions, you can benefit from pension increases for surcharge, disability, children, third person or income from workers' and farmers' pensions.

120 or more quarters contributed

If you have at least 120 quarters contributed to the general plan, the amount of the minimum contribution is increased to €8,557.89 per year €713.16 per month.

If your term of coverage under the general plan is less than the number of quarters required for the full-rate pension, the amount of the premium contribution minimum is reduced in proportion to your lifetime of insurance under the general scheme.

If you meet the conditions, you can benefit from pension increases for surcharge, disability, children, third person annuity of workers' and farmers' pensions.

The payment of the minimum contribution may not result in the total of your pensions (basic and supplementary, all schemes, French and foreigners) being increased beyond €1,214.20 per month.

In case of overrun, the increase shall be reduced so that this amount is reached.