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Basic and supplementary public sector pensions: what differences?

Verified 18 février 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Basic and supplementary pensions constitute 2 mandatory pension schemes. These plans operate on a pay-as-you-go basis, meaning that pensions paid out are financed by contributions from assets.

As a public service employee, you are contributing on your income simultaneously to a basic and a supplementary plan.

Your contributions are paid into pension funds that vary depending on whether you are a public servant or a contract agent.

The accumulated rights during your career are paid back as a pension upon retirement. You receive a basic pension and a supplementary pension.

If you civil servant in the State civil service, you receive:

  • a basic pension paid by the SRE
  • and a supplementary pension paid by PSR..

If you territorial or hospital officer, you receive:

  • a basic pension paid by the CNRACL
  • and a supplementary pension paid by the RAFP.

If you contract agent, regardless of the public service in which you worked:

  • a basic pension paid by the Pension Insurance of the General Social Security Scheme
  • and a supplementary pension paid by theIrcantec..

The rules for calculating your pension are different in basic and supplementary pension plans:

  • Basic plans take into account the remuneration you have contributed to and your number of quarters of old-age insurance.
  • Complementary plans (the RAFP and the Ircantec) are point-based pension plans. Your contributions are converted into retirement points during your career. When you retire, your points are converted into a pension.

  FYI : in addition to mandatory basic and supplementary pensions, you can contribute to individual retirement savings plans (supplementary retirement). These contributions are voluntary.