Retirement of disabled employee

You can retire before the minimum starting age normal (set between 62 and 64 years of age depending on your year of birth) and from 60 years in the following cases:

• You have permanent incapacity at least equal to 20% following a occupational disease
• Or you have permanent incapacity at least equal to 20% as a result of industrial accident which resulted in injuries identical to those for which compensation was paid as a result of an occupational disease. Accident at work The list of injuries following an occupational disease and identical to those compensated following an occupational disease shall be laid down by ministerial order.Accident at work List of injuries following an occupational disease

You can also retire before the minimum age of departure normal and from 60 years of age if you are in one of the following 2 situations:

• Either you have permanent incapacity at least equal to 10% following a occupational disease
• Either you have permanent incapacity at least equal to 10% of a industrial accident which resulted in injuries identical to those for which compensation was paid as a result of an occupational disease. And you were exposed for 17 years (68 quarters) to one or more occupational risk factors. And it is established that your permanent disability is directly related to exposure to these occupational risk factors.

Occupational risk factors are linked to marked physical constraints or an aggressive physical environment or to certain work patterns which can leave identifiable and irreversible lasting traces on health:

1. Marked physical constraints :
   
   • Manual handling of loads, the lifting, laying, pushing, pulling, carrying or moving of which requires the physical effort of one or more workers
   • Stressful postures defined as forced joint positions
   • Mechanical vibration: vibration transmitted to the hands and arms which causes in particular vascular disorders, osteoarticular lesions or neurological or muscular disorders or vibration transmitted to the whole body which causes in particular back pain and microtraumas of the vertebral column
2. Aggressive physical environment:
   
   • Dangerous chemical agents, including dust and fumes
   • Activities in hyperbaric environments (relative pressure greater than 100 hectopascals with or without immersion)
   • Extreme Temperatures
   • Noise: daily exposure to noise of at least 81 decibels for a reference period of 8 hours or 600 hours per year or exposure to impulsive noise (brief and repeated) of at least 135 decibels
3. Certain work patterns:
   
   • Night work
   • Work in alternating shifts (example shift work in 3x8)
   • Repetitive work characterized by the performance of work involving the execution of repeated movements, urging all or part of the upper limb, at a high frequency and under a constrained cadence

You can apply for a permanent disability pension with your Carsat: titleContent using the following form:

Single application for a basic pension for permanent incapacity of occupational origin

You must submit your request 4 to 6 months before the desired departure date.

Accident at work You must attach to your pension application form the documents listed on page 4 of the form and in particular your notification of occupational sickness or financial assistance and your notification of medical consolidation.

You have to ask for your retirement from others basic and supplementary pension funds which you have noted during your career.

However, the application form for a permanent disability pension is common to the Pension Insurance and the MSA: titleContent so if you've paid into the MSA, you don't have any application to that pension fund.

And Pension Insurance informs theAgirc-Arco: titleContent of your retirement for permanent incapacity.

Your pension is calculated at the full rate regardless of the number of quarters of your pension insurance, i.e. at the maximum rate of 50% your average annual salary over your best 25 years.

You can leave by full-rate pension (without discount), regardless of the number of quarters of pension insurance, from 62 years of age if you are deemed unfit for work.

You are deemed unfit for work if your health no longer allows you to continue your professional activity without seriously harming your health and if you have a permanent medical incapacity for work of at least 50%.

You should contact your Carsat: titleContent a personal pension application form.

Single application for personal basic pensions - General schemes (employees and self-employed), agricultural schemes (MSA), religious schemes (Cavimac)

You must attach to this form, under confidential cover, a medical certificate drawn up by your attending doctor, and, if you are still active, a medical certificate drawn up by the occupational doctor.

The medical certificates to be completed by the doctor(s) are to be requested from your Carsat.

Your inability to work is recognized by your pension fund's medical officer.

Your incapacity is assessed according to the job you hold on the date of your application.

If you are no longer employed at the time of your application, your incapacity is assessed on the basis of the last activity you performed in the previous 5 years.

If you have not been employed in the last 5 years, your incapacity is assessed on the basis of your physical and mental ability to work.

In some situations, you are automatically considered unfit for work from the minimum retirement age and are not subject to medical screening.

This is particularly the case in the following situations:

• You are recognized as disabled before the minimum retirement age
• You receive the Disabled Adult Allowance (DAA)
• You have the disability card with a permanent disability of at least 80%

The starting point for your retirement due to unfitness for work is set at 1^er day of the month following the date on which your incapacity is recognized.

Your pension is calculated at the full rate regardless of the number of quarters of your pension insurance, i.e. at the maximum rate of 50% your average annual salary over your best 25 years.