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Retreat in private: redemption of quarters

Verified 01 January 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Pension reform project

Published on 27 January 2020

One universal pension bill shall be examined by Parliament. The pension rules will be amended. Pending the publication of the law, the information contained in this page remains current.

If you want to increase your insurance term for retirement, you can, under conditions, buy back quarters of contributions by making payments to the general social security plan. This is possible for graduate years or incomplete years of contributions (validated for less than 4 quarters). This is also the case for certain periods of learning or periods of activity as a maternal assistant or child of former harkis.

Graduate years

Years of studies concerned

If you have completed higher education, you can apply to buy back retirement quarters as a graduate if you were a member of the general plan at the end of your studies.

Your studies must have been completed in a higher education institution, a higher technical school, a major school or a preparatory class for these schools.

These periods of study must have given rise to a French diploma or equivalent:

  • in a the European Economic Area,
  • in Switzerland,
  • or in a country bound by an international social security convention with France.

Admission to the main schools and preparatory classes for these schools is equivalent to obtaining a diploma.

During these years of study, you were not required to be a member of any mandatory pension plan.

Age condition

You must be between the ages of 20 and 66 inclusive at the time of your application.

Warning  

if you already receive a pension from the general plan, you cannot buy back quarters for retirement.

You can apply to buy back quarters:

  • or under the pension calculation rate (which reduces or cancels your haircut),
  • or in respect of the rate and the insurance term used to calculate the pension.

Your choice is irrevocable.

You can make your quarterly redemptions in several ways.

You can also accumulate redemptions for your graduate years with redemptions, if you meet the conditions:

  • for incomplete years in which your professional activity has been validated for less than 4 quarters,
  • and/or for certain periods of learning or activity as a maternal assistant.

The redemption request is only taken into account for a whole number of quarters (between 1 and 12). Each quarter must have a 90-day period in which to redeem quarters.

Buybacks can't allow you to post more than 4 retirement quarters per year.

All redemptions combined, you cannot redeem more than 12 quarters..

FYI  

you can also buy back points supplementary pension to theAgirc-Arrco: titleContent, if the redemption relates to years of higher education which are also redeemed from the general scheme.

You can perform a simulation of the cost of redemption of your quarters on the Pension Insurance website from your personal space.

If, after this simulation, you wish to make a redemption request, download the proposed application form. And send it to the address you are given.

Simulate the cost of a quarter buyback to the general pension plan

Your pension fund will tell you, within 2 months of receiving your application, whether or not you can make a payment. If no reply is received within 2 months, your request is considered to have been rejected.

In case of admission, your caisse sends you a document called Pension Payment Assessment, indicating the amount to be paid.

This document shall be accompanied by a regularized career statement and a form called Confirmation of a Payment Request..

If certain periods requested cannot be paid, you will be informed of the following:

  • Details of unselected periods
  • Reason for decision
  • Remedies and deadlines

If you want to redeem all or part of the quarters authorized by your pension fund, you must return the Confirmation of a Payment Request.. You must specify:

  • the number of quarters you wish to redeem,
  • the redemption option chosen,
  • the conditions of payment of the payment for retirement.

The amount requested may be paid:

  • one time,
  • or in multiple monthly installments (for a redemption of at least 2 quarters).

In the case of staging, the duration of the payment shall be fixed as follows:

Payment duration based on the number of quarters to be redeemed

Number of quarters to redeem

Payment duration

Between 2 and 8

Scaling possible over 1 or 3 years

Between 9 and 12

1- or 3- or 5-year timescale

These possibilities are presented in thePension Payment Assessment..

FYI  

if the payment is made over more than one year, the remaining amount due shall be increased each year.

Years incomplete

Relevant business periods

You can redeem quarters for years of incomplete contributions in which your professional activity allowed you to validate less than 4 quarters in the general social security system. During these years, you had to be affiliated with the general plan.

Age condition

You must be between the ages of 20 and 66 inclusive at the time of your application.

Warning  

if you already receive a pension from the general plan, you cannot buy back quarters for retirement.

You can apply to buy back quarters:

  • the rate at which the pension is calculated (which allows the discount to be reduced or canceled), or
  • or in respect of the rate and the insurance term used to calculate the pension.

Your choice is irrevocable.

You can make your quarterly redemptions in several ways.

You can also accumulate redemptions for your incomplete years with redemptions, if you meet the conditions:

  • in respect of higher education,
  • and/or for certain periods of learning or activity as a maternal assistant.

Buybacks can't allow you to post more than 4 retirement quarters per year.

All redemptions combined, you cannot redeem more than 12 quarters..

You can perform a simulation of the cost of redemption of your quarters on the Pension Insurance website from your personal space.

If, after this simulation, you wish to make a redemption request, download the proposed application form. And send it to the address you are given.

Simulate the cost of a quarter buyback to the general pension plan

Your pension fund will tell you, within 2 months of receiving your application, whether or not you can make a payment. If no reply is received within 2 months, your request is considered to have been rejected.

In case of admission, your caisse sends you a document called Pension Payment Assessment, indicating the amount to be paid.

This document shall be accompanied by a regularized career statement and a form called Confirmation of a Payment Request..

If certain periods requested cannot be paid, you will be informed of the following:

  • Details of unselected periods
  • Reason for decision
  • Remedies and deadlines

If you want to redeem all or part of the quarters authorized by your pension fund, you must return the Confirmation of a Payment Request.. You must specify:

  • the number of quarters you wish to redeem,
  • the redemption option chosen,
  • the conditions of payment of the payment for retirement.

The amount requested can be paid either in one installment or in several monthly installments (for a redemption of at least 2 quarters).

In the case of staging, the duration of the payment shall be fixed as follows:

Payment duration based on the number of quarters to be redeemed

Number of quarters to redeem

Payment duration

Between 2 and 8

Scaling possible over 1 or 3 years

Between 9 and 12

1- or 3- or 5-year timescale

These possibilities are presented in thePension Payment Assessment..

FYI  

if the payment is made over more than one year, the remaining amount due shall be increased each year.

Learning Periods

Relevant learning periods

You can apply to redeem retirement quarters for your apprenticeship periods covered by a contract betweento July 1972 and December 31, 2013, unless you have posted 4 quarters per year during these periods.

Age condition

You must be between the ages of 20 and 66 inclusive at the time of your application.

Warning  

if you already receive a pension from the general plan, you cannot buy back quarters for retirement.

The redemption of the quarters shall be made in respect of the rate of the pension and the insurance term used for the calculation of the pension.

You cannot buy back more than 4 quarters for your learning periods.

You can make your quarterly redemptions in several ways.

You can also accumulate redemptions for your learning periods with redemptions, if you meet the conditions:

  • in respect of incomplete years in which your professional activity has been validated for less than 4 quarters,
  • and/or in respect of higher education.

Buybacks can't allow you to post more than 4 retirement quarters per year.

All redemptions combined, you cannot redeem more than 12 quarters..

You can perform a simulation of the cost of redemption of your quarters on the Pension Insurance website from your personal space.

If, after this simulation, you wish to make a redemption request, download the proposed application form. And send it to the address you are given.

Simulate the cost of a quarter buyback to the general pension plan

Your pension fund will tell you, within 2 months of receiving your application, whether or not you can make a payment. If no reply is received within 2 months, your request is considered to have been rejected.

In case of admission, your caisse sends you a document called Pension Payment Assessment, indicating the amount to be paid.

This document shall be accompanied by a regularized career statement and a form called Confirmation of a Payment Request..

If certain periods requested cannot be paid, you will be informed of the following:

  • Details of unselected periods
  • Reason for decision
  • Remedies and deadlines

If you want to redeem all or part of the quarters authorized by your pension fund, you must return the Confirmation of a Payment Request.. You must specify:

  • the number of quarters you wish to redeem,
  • the redemption option chosen,
  • the conditions of payment of the payment for retirement.

The amount requested may be paid

  • or at one time,
  • or in several monthly installments (for a purchase of at least 2 quarters).

In the case of staging, the duration of the payment shall be fixed as follows:

Payment duration based on the number of quarters to be redeemed

Number of quarters to redeem

Payment duration

Between 2 and 8

Scaling possible over 1 or 3 years

Between 9 and 12

1- or 3- or 5-year timescale

These possibilities are presented in thePension Payment Assessment..

FYI  

if the payment is made over more than one year, the remaining amount due shall be increased each year.

Mother assistant

Relevant periods

You can apply to redeem retirement quarters for your periods of service as a maternal assistant between 1975 and 1990, unless you have validated 4 quarters per year during those periods.

Age condition

You must be between the ages of 20 and 66 inclusive at the time of your application.

Warning  

if you already receive a pension from the general plan, you cannot buy back quarters for retirement.

The redemption of the quarters shall be made in respect of the rate of the pension and the insurance term used for the calculation of the pension.

You cannot buy back more than 4 quarters for your periods of activity as a maternal assistant.

You can make your quarterly redemptions in several ways.

You can also accumulate redemptions for your periods of activity as a maternal assistant or assistant with redemptions, if you meet the conditions:

  • in respect of incomplete years in which your professional activity has been validated for less than 4 quarters;
  • and/or in respect of higher education.

Buybacks can't allow you to post more than 4 retirement quarters per year.

All redemptions combined, you cannot redeem more than 12 quarters..

You can perform a simulation of the cost of redemption of your quarters on the Pension Insurance website from your personal space.

If, after this simulation, you wish to make a redemption request, download the proposed application form. And send it to the address you are given.

Simulate the cost of a quarter buyback to the general pension plan

Your pension fund will tell you, within 2 months of receiving your application, whether or not you can make a payment. If no reply is received within 2 months, your request is considered to have been rejected.

In case of admission, your caisse sends you a document called Pension Payment Assessment, indicating the amount to be paid.

This document shall be accompanied by a regularized career statement and a form called Confirmation of a Payment Request..

If certain periods requested cannot be paid, you will be informed of the following:

  • Details of unselected periods
  • Reason for decision
  • Remedies and deadlines

If you want to redeem all or part of the quarters authorized by your pension fund, you must return the Confirmation of a Payment Request.. You must specify:

  • the number of quarters you wish to redeem,
  • the redemption option chosen,
  • the conditions of payment of the payment for retirement.

The amount requested may be paid

  • or at one time,
  • or in several monthly installments (for a purchase of at least 2 quarters).

In the case of staging, the duration of the payment shall be fixed as follows:

Payment duration based on the number of quarters to be redeemed

Number of quarters to redeem

Payment duration

Between 2 and 8

Scaling possible over 1 or 3 years

Between 9 and 12

1- or 3- or 5-year timescale

These possibilities are presented in thePension Payment Assessment..

FYI  

if the payment is made over more than one year, the remaining amount due shall be increased each year.

Children of former harkis

Relevant periods

You can ask to buy back quarters of retirement if you are a child of former harkis, moghaznis and personal of the various additional formations that have served in Algeria and come to settle in France.

Redemption is possible for periods spent in military transit and accommodation camps between 18 March 1962 and 31 December 1975, during which you were between 16 and 21 years of age.

Buyback is not possible if you meet the insurance requirements to benefit from a full-rate pension.

Age condition

You must be 66 years of age at the time of your application.

Warning  

if you already receive a pension from the general plan, you cannot buy back quarters for retirement.

Quarterly redemption is made on account of your pension rate (which reduces or cancels your haircut).

You cannot buy back more than 4 quarters as a child of former harkis, Mughazi and personal of the various additional formations that have served in Algeria and come to settle in France.

You can make your quarterly redemptions in several ways.

You can also buy back if you meet the conditions:

  • in respect of incomplete years in which your professional activity has been validated for less than 4 quarters,
  • and/or in respect of higher education,
  • and/or for periods of learning between 1to July 1972 and 31 December 2013,
  • and/or for periods of service as a maternal assistant between 1975 and 1990.

Buybacks can't allow you to post more than 4 retirement quarters per year.

All redemptions combined, you cannot redeem more than 12 quarters..

You can perform a simulation of the cost of redemption of your quarters on the Pension Insurance website from your personal space.

If, after this simulation, you wish to make a redemption request, download the proposed application form. And send it to the address you are given.

Simulate the cost of a quarter buyback to the general pension plan

Your pension fund will tell you, within 2 months of receiving your application, whether or not you can make a payment. If no reply is received within 2 months, your request is considered to have been rejected.

In case of admission, your caisse sends you a document called Pension Payment Assessment, indicating the amount to be paid.

This document shall be accompanied by a regularized career statement and a form called Confirmation of a Payment Request..

If certain periods requested cannot be paid, you will be informed of the following:

  • Details of unselected periods
  • Reason for decision
  • Remedies and deadlines

If you want to redeem all or part of the quarters authorized by your pension fund, you must return the Confirmation of a Payment Request.. You must specify:

  • the number of quarters you wish to redeem,
  • the redemption option chosen,
  • the conditions of payment of the payment for retirement.

The amount requested may be paid

or at one time,

or in several monthly installments (for a purchase of at least 2 quarters).

In the case of staging, the duration of the payment shall be fixed as follows:

Payment duration based on the number of quarters to be redeemed

Number of quarters to redeem

Payment duration

Between 2 and 8

Scaling possible over 1 or 3 years

Between 9 and 12

1- or 3- or 5-year timescale

These possibilities are presented in thePension Payment Assessment..

FYI  

if the payment is made over more than one year, the remaining amount due shall be increased each year.