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Tout savoir sur votre retraite de la sécurité sociale

You have worked in a country having signed an agreement with France

If you have worked in France and in a country having signed a social security agreement the calculation of your pension takes into account this double career.

List of countries having signed a social security agreement with France:

Algeria, Andorra, Argentine, Benin, Bosnia-Herzegovina, Cameroon, Canada, Cape Verde, Chile, Congo, Korea, Ivory Coast, United States, Gabon, Channel Islands, India, Israel, Japan, Kosovo, Macedonia, Mali, Morocco, Mauritania, Monaco, Montenegro, Niger, Philippines, Quebec, San Marino, Senegal, Serbia, Togo, Tunisia, Turkey.

Principle

You should be:

  • a national of a signatory country
  • or a stateless person or a refugee in one of the signatory countries.

The international social security agreements foresee the coordination between France and the signatory countries. They are subject to different calculation methods depending on the nature of each agreement.

Each country pays its own part of the pension amount.

As the social security agreements are bilateral, they cannot apply to more than two signatory countries.

Example

If you have worked in France, in Quebec and in the United States, your French old-age pension will take into account:

  • either your periods of contribution in France and in the United States
  • or your periods of contribution in France and in Quebec.

The same rules are applied if you have worked in the European Union and in a country that has signed an agreement with France. The French old-age pension takes into account:

  • either the periods of contribution validated in France and in the European Union
  • or the periods of contribution validated in France and in the agreement country.

Agreements

Several types of agreements exist.

Separated calculation of pension amounts

Each country calculates your pension on the basis of your career in that country.

To determine your pension rate in the French General Scheme, contribution periods acquired in the other country may be used (depending on the agreement) as long as they do not overlap insurance periods in French pension schemes.

Comparison between the totalling prorate calculation method and the separate pension calculation method

Two calculations are made:

  • the totalling prorate calculation method : the pension funds of each country add up your periods of contribution carried out in France and in the other country. Your pension is calculated as if your entire career had taken place in only one of the countries. Then the pension amount that is paid by each country is reduced in proportion to the respective periods carried out in each country ;
  • the separate pension calculation method : each country calculates your pension according to your career carried out in that particular country.

The most advantageous pension is the one that you will be given.

Some agreements allow the insured person to choose for him or herself

En savoir plus

To learn more

Find more information on agreements at the Centre of European and International Liaisons for Social Security (Cleiss).

 

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