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Tout savoir sur votre retraite de la sécurité sociale

You have worked in the Community regulation application area

If you have worked in France and in another country concerned by the European regulatory framework, the calculation of your old-age pension will take this “double career” into account.

Principle

The principle of free movement of workers in the countries subject to Community regulation assures a significant coordination between the various old-age insurance schemes.
If you have worked in France and in one of the other countries belonging to the EU regulation area, your pension will be subject to a double calculation according to these rules. The double calculation will be based on:

  • the pension calculation according to your career in France, called « national pension »
  • and the part of the “European pension” at the charge of the French pension scheme taking into account all your activities in countries subject to the European regulatory framework.

The most advantageous amount is the one that you will receive.

Calculation of national pension

The national pension is calculated on the basis of your career in France.

For more information see: How to calculate your pension (in French).

Calculation of European pension

Three elements are taken into account:

  • Your basic salary determined from the salaries contributed to the general scheme
  • The rate based on the number of contribution terms (trimesters) registered in France and on the number of terms reported from other EU regulation countries (maximum 4 terms per calendar year)
  • The insurance period. This is the total insurance period in France and in the countries subject to Community regulation.

The calculation is decomposed into two steps:

  • 1st step: your contribution periods validated in France and the other EU regulation countries are added up in order to calculate a global theoretical pension amount.
  • 2nd step: the amount of the global theoretical pension is proportionally reduced by your insurance periods in the French scheme. This is the part of the European pension at French charge. This amount is then compared to the national pension amount.

The most advantageous amount is the one that you will receive.

Example: Calculation of a pension by applying Community regulations

Charles, born in June, 1951 claims his old-age pension on October 1, 2011.
On September 30, 2011*, he adds up:

  • 104 terms in the General Scheme for employees (France)
  • 46 terms carried out in the Netherlands.

Charles is not in possession of the 163 terms required** in order to obtain a full rate pension (full rate = 50%). Therefore, his pension will be calculated at a reduced rate. His annual average salary is 20 000 Euros gross.

At the age of 60

“National pension”
Rate: 35,75 % (Charles needs to add up 19 additional terms before reaching the full rate age, that is the age at which he would have obtained a full rate pension regardless of the insurance period).

“European pension”
1st step: calculation of the “theoretical pension”

Rate: 40,25 % (104 + 46 = 150 terms. Charles needs to add up 13 additional terms in order to reach the 163 terms required** for a full rate pension (50 %). His pension is therefore calculated at a reduced rate)

2nd step: the part of Charles’ “European pension” at the charge of the French scheme

The French part of the “European pension” is bigger than the “national pension”. The French scheme pays its part of the “European pension”.
When Charles is eligible for a pension in the Netherlands and he makes a claim for this pension, France will have to re-calculate the amount of the new pension in accordance with the legislation in force at that particular date and based on the new career details from the Netherlands.
*The insurance period ends on the last day of the calendar quarter prior to the first day of retirement.
**Number of terms required for an insured person born in 1951.

European regulation application terms

You should be:

  • a national of either a European Union member state, Iceland, Lichtenstein, Norway or Switzerland ;
  • or a stateless person or a refugee in a European Union member state or in Iceland, Lichtenstein, Norway or Switzerland ;
  • or a third country national, legally residing in a EU member state (except in Denmark and in the United Kingdom) and subject to the legislation of at least two EU member states.
A noter

Attention

If you have worked in both a European member state, in Switzerland and in one of the EEA countries (Iceland, Norway and Lichtenstein) the calculation of your French old-age pension will only take into account the periods of either:

the European Union + Switzerland
OR
the European Union + the European Economic Area (EEA).

Validated periods from the EU + EEA + Switzerland cannot be added up.

Successive calculations of the pension in different countries

In case of pension entitlement or differed pension requests in the countries where you are eligible to receive a pension, your rights will be re-examined according to your situation and to the legislation in force on the date of each new settlement.

The amount of your pension grant from the French pension schemes could be altered.

Example: successive calculations for an employee

An employee born in 1955 has worked in France for 32 years (128 terms) and in the United Kingdom for 5 years (20 terms).
At the age of 62, the employee makes a claim for his old-age pension in France, but he is not entitled to a pension in the United Kingdom.

His national pension will be calculated as follows:
Annual average salary (AAS) x 26,25% (128 French terms) x 128/166

His European pension will be:
(AAS x 28,75% (148 French and English terms) x 148/166) x (128/166).

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

At the age of 67 the employee makes a claim for his old-age pension in the United Kingdom. France will then have to re-calculate the amount of European pension while taking into account the 5 additional years of contribution.

The part of European pension at the charge of France is now calculated as follows:
(AAS x 50% x 166/166) x (128/166).

Note globale : 2.8/5 (5 votes)
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