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Are premiums taken into account for the retirement of public officials?

Verified 28 janvier 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Yes, premiums are taken into account for the retirement of public officials. However, they are taken into account differently depending on whether you are a public servant or a contractor.

Official

Your premiums are taken into account for your only supplementary retirement.

As a public servant, you benefit from:

  • a basic pension, SRE if you are a State official, or CNRACL if you are a territorial or hospital official,
  • and supplementary pension Supplementary Public Service Pension Plan (PSSA).

Your premiums serve as the basis for RAFP contributions within the limits of 20% the amount of your index salary. This means, for example, that if your index treatment is €21,600 per year€1,800 per month) and the amount of your premiums €5,400 per year€450 per month), you only contribute to the RAFP on €4,320 per year€360 per month), i.e. 20% from €21,600..

Differential premium amount (€5,400 - €4,320 = €1,080) does not give rise to any contributions and is not taken into account for retirement.

The PSSA is a point pension plan, that is, your contributions are converts in retirement points. When you retire, these pension points are converted into a pension amount.

  Reminder : contributions to SRE or CNRACL are based on your index treatment and your new index enhancement (NBI) if you collect it. Your pension is calculated on the basis of the index salary received for at least 6 months before your retirement. And the periods of collection of the NBI are entitled to a pension supplement.

Contract

You contribute to the General Social Security Pension Insurance Plan (as a private-sector employee) on all elements of your remuneration. So your premiums are taken into account to determine your base of contribution..

And when you retire, your pension is calculated on the basis of the average gross salary of the 25 most advantageous years of your career. In determining the highest annual gross salaries, all elements of remuneration are taken into account.

You also contribute to the additional pension of theIrcantec.. Again, all of the elements that make up your remuneration are taken into account in determining your contribution base.

Ircantec is a point pension plan, that is, your contributions are converts in retirement points. When you retire, these pension points are converted into a pension amount.

Thus, your premiums are taken into account for the calculation of your basic Social Security pension and for the calculation of your supplementary pension from Ircantec.