Use of the Preventive Business Account (C2P) for employee retirement

Verified 11 September 2023 - Legal and Administrative Information Directorate (Prime Minister)

You have a Prevention Business Account (C2P). You can use your C2P points to get additional pension insurance quarters. We explain this device.

Since 2015, automatically of a prevention business account (C2P) if you meet the following 2 conditions:

If the duration of your employment contract is one year or more, you receive 4 points per year for each occupational risk factor to which you are exposed.

If your contract starts or ends in the middle of the year, points are counted in 3-month periods.

Each 3-month exposure period to one or more occupational risk factors entitles you to a points equal to the number of occupational risk factors to which you are exposed.

If you were born before 1er in july 1956, the number of points awarded was doubled.

Example :

If you are exposed for a year to 3 risk factors, you are entitled to 12 points (4 points per year x 3 factors).

If you were born before July 1956, you are entitled to 24 points.

If you worked only 1er january to june 30 being exposed to 3 risk factors, you are entitled to 6 points (2 quarters x 3 factors).

Points earned will remain in your prevention work account until they are used or until you retire.

You can consult your professional prevention account online on the C2P website:

Preventive Business Account - Personal Space

You can choose to use in whole or in part the points entered in your prevention professional account to finance an increase in the duration of old-age insurance and retirement before the legal age.

Reminder

There are other uses for your points, such as funding training to get to a job that is not exposed to or less exposed to occupational risk factors.

The first 20 points are reserved, unless you were born before 1960:

  • To cover all or part of the costs of continuing training with a view to gaining access to employment which is not exposed to or less exposed to occupational risk factors
  • Or the payment of training costs in connection with a vocational retraining project.

If you were born in 1960, 1961 or 1962, only the first 10 points on your C2P are reserved for this purpose.

10 points entitle you to 1 Quarter supplementary pension insurance.

You can convert up to 80 points into 8 additional quarters of pension insurance.

You can ask to use your points to fund retirement insurance quarters and retirement before the statutory retirement age from the age of 55.

The request for the use of the points registered in the professional prevention account is made online on the site dedicated to the C2P:

Preventive Business Account - Personal Space

You can also send your request by mail to your Carsat: titleContent using the cerfa form no 15511:

Application for the use of earned points for an increase in the duration of insurance for retirement

Who shall I contact

You will receive a receipt for your application.

The quarters obtained with your C2P are taken into account for different purposes when you retire:

  • Allowing you to retire earlier
  • Determine the liquidation rate of your retirement pension
  • Calculate your insurance term at Pension Insurance
  • Early retirement for a long career
Quarters with your C2P can help you retire earlier

The quarters obtained with your C2P (limited to 8) can allow you to retire up to 2 years before thestatutory minimum retirement age.

The quarters obtained with your C2P are also used to determine the liquidation rate of your retirement pension

Your retirement pension is calculated as follows:

Pension = Average Annual Salary x Settlement Rate x (Your number of quarters validated by Pension Insurance / Number of quarters of Pension Insurance required to qualify for a full rate pension)

The liquidation rate of your pension is at most 50% if you are entitled to a full rate pension. The liquidation rate is the percentage applied to your average annual salary over your best 25 years to calculate your retirement.

The pension is granted at a full rate in particular in the following 2 situations:

  • You're retiring before age 67 having a fixed number of pension insurance quarters for all schemes (ec number varies depending on your year of birth)
  • Or you're retiring at age 67 (no matter how many quarters of pension insurance you have in any plan)

If you retire before age 67 without the number of quarters required to qualify for a full-rate pension, the 50% is reduced by 0.625 per missing quarter. This reduction is called the haircut.

So the quarters you get with your C2P are taken into account to limit the discount if you retire before age 67 without having the number of quarters required to qualify for a full rate pension.

The liquidation rate of your retirement pension is at least 37.50%.

The quarters obtained with your C2P are used to calculate your pension insurance duration

The amount of your Pension Insurance pension depends on the number of quarters validated by Pension Insurance among your total number of pension insurance quarters across all plans.

Your pension is calculated as follows:

Pension = Average Annual Salary x Settlement Rate x (Your number of quarters validated by Pension Insurance / Number of quarters of Pension Insurance required to qualify for a full rate pension)

The closer your number of quarters validated by Pension Insurance is to the number of quarters required to qualify for a full-rate pension, the higher your Pension Insurance Superannuation.

Example :

If you were born in 1962, you are entitled to a full-rate pension from the age of 62 and 6 months if you have 169 quarters of any plan.

If you have 23 of those 169 quarters under another pension fund, your pension will be:

Average Annual Salary x 50% x (146 / 169)

The remaining 23 quarters entitle you to another retirement pension calculated in accordance with the rules applicable by the pension scheme concerned.

The quarters obtained with your C2P are taken into account in case of early retirement for a long career

The quarters obtained with your C2P are considered as contributory quarters to meet the conditions required to benefit from a early retirement for a long career.

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