Supplementary retirement of an official (Rafp)

Verified 01 January 2025 - Directorate for Legal and Administrative Information (Prime Minister)

As a public servant, you are required to contribute to the Public Service Supplementary Retirement Plan (PSPP). The RAFP is a supplementary retirement pension on your mandatory basic retirement from SRESRE : State Pension Service (if you are a government official) or CNRACLCNRACL : National Pension Fund for Local Government Employees (if you are a territorial or hospital official). We present you the main rules of supplementary retirement.

The RAFPRAFP : Additional retirement from the public service is a compulsory supplementary pension scheme reserved for civil servants.

The RAFP was introduced in 2005.

Upon your retirement, you receive a supplementary pension from the PFRP in addition to your basic public servant pension paid by the SRESRE : State Pension Service or the CNRACLCNRACL : National Pension Fund for Local Government Employees.

To benefit from the supplementary pension, you must meet the following 2 conditions:

  • To be admitted to retirement with the SRESRE : State Pension Service if you are a public servant, or CNRACLCNRACL : National Pension Fund for Local Government Employees, if you are a territorial or hospital official
  • Have reached a minimum the statutory retirement age.

Warning  

If you have early retirement (for invalidity, long career, handicap, parent of a disabled child), you still have to wait until you reach the statutory retirement age to apply for your supplementary pension.

Included remuneration

You contribute to the RAFPRAFP : Additional retirement from the public service on the basis of the following remuneration elements:

  • Premiums and allowances of any kind
  • Benefits in kind
  • Any other remuneration on which you do not contribute to the civil and military retirement pension plan or to the CNRACLCNRACL : National Pension Fund for Local Government Employees.

Benefits in kind (e.g. accommodation or company vehicle) are taken into account for their tax-declared value.

All these remuneration elements shall be taken into account up to 20% of the amount of your index treatment annual gross.

FYI  

Specific provisions are laid down for State officials assigned to Wallis and Futuna, French Polynesia, Saint Pierre and Miquelon or New Caledonia to benefit from additional pension points.

Contribution rate

You contribute up to 5% the remuneration taken into account.

Your employer administration also.

Example :

If you are receiving a gross index treatment of €28,000 per year and premiums for a total gross annual amount of €7,200, you contribute to the amount of your premiums up to 20% of €28,000, or €5,600. Your contribution annual is €5,600 x 5% = €280. The annual amount of employer contributions from your employer authority is the same.

The RAFPRAFP : Additional retirement from the public service is a regime of retreat by points.

Your contributions are converted into pension points and upon retirement these pension points are converted into a retirement pension.

How many points are accumulated?

The amount of your employee and employer contributions paid by your employer authority is divided by the purchase value of the pension point.

The result is rounded to the top.

In 2025, the point's purchase value is set at €1.4394.

The purchase value varies by year.

Example :

If the amount of your employee and employer contributions is €450 in 2025, you get 319 points (450/1.4394 = 312.630 rounded to 313).

The points earned each year are accumulated throughout your career.

You can simulate the number of points accumulated:

Additional Public Service Retirement: Points Calculator

How is the supplementary retirement pension calculated?

The calculation of your pension varies depending on the number of points you have earned during your career:

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Up to 4,599 points

The RAFPRAFP : Additional retirement from the public service provides you with a retirement in the form of a principal upon your retirement.

The amount of this capital shall be calculated according to the following formula:

Number of points accumulated x Point service value in effect at start date x Surcharge factor (variable depending on your age) x Capital conversion factor (variable depending on your age)

The point service value in 2025 is €0.05593.

The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:

Tableau - Surcharge rate applicable according to the age of the applicant on the effective date of retirement

Age of applicant

Surcharge rate

62 yrs

1

63 yrs

1.04

64 yrs

1.08

65 years

1.12

66 yrs

1.17

67 yrs

1.22

68 yrs

1.28

69 yrs

1.33

70 years

1.40

71 years

1.47

72 years

1.54

73 yrs

1.62

74 yrs

1.71

75 years or older

1.80

The capital conversion coefficient varies according to your age at the date of your retirement, as follows:

Tableau - Conversion factor applicable according to the age of the applicant at the effective date of retirement

Age of applicant

Conversion coefficient

62 yrs

27.11

63 yrs

26.34

64 yrs

25.57

65 years

24.79

66 yrs

24.02

67 yrs

23.25

68 yrs

22.47

69 yrs

21.70

70 years

20.92

71 years

20.15

72 years

19.37

73 yrs

18.61

74 yrs

17.84

75 years or older

17.07

Example :

If you have accumulated 4,400 points and you apply for your retirement in 2025 at age 63, the amount paid is €6,741.35 (4400 x 0.05593 x 1.04 x 26.34).

You can simulate the amount of your pension:

Additional Public Service Retirement: Benefit Simulator

From 4,600 to 5,124

The RAFPRAFP : Additional retirement from the public service pays you a pension in the form of a principal.

One 1re Part of this capital is paid to you upon your retirement.

The balance shall be paid no later than the 16the month after 1er payment.

The amount of the capital shall be calculated according to the following formula:

Number of points accumulated x Point service value in effect at start date x Surcharge factor (variable depending on your age) x Capital conversion factor (variable depending on your age)

The point service value in 2025 is €0.05593.

The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:

Tableau - Surcharge rate applicable according to the age of the applicant on the effective date of retirement

Age of applicant

Age of applicant

62 yrs

1

63 yrs

1.04

64 yrs

1.08

65 years

1.12

66 yrs

1.17

67 yrs

1.22

68 yrs

1.28

69 yrs

1.33

70 years

1.40

71 years

1.47

72 years

1.54

73 yrs

1.62

74 yrs

1.71

75 years or older

1.80

The capital conversion coefficient varies according to your age at the date of your retirement, as follows:

Tableau - Conversion factor applicable according to the age of the applicant at the effective date of retirement

Age of applicant

Conversion coefficient

62 yrs

27.11

63 yrs

26.34

64 yrs

25.57

65 years

24.79

66 yrs

24.02

67 yrs

23.25

68 yrs

22.47

69 yrs

21.70

70 years

20.92

71 years

20.15

72 years

19.37

73 yrs

18.61

74 yrs

17.84

75 years or older

17.07

The amount of the 1re share is calculated according to the following formula:

Number of points accumulated x Point service value in effect at start date x Mark-up factor (variable depending on your age) / 12 x 15

Example :

If you have accumulated 4,835 points and you apply for your retirement in 2025 at age 63, the total amount of principal owed to you is €7,407.82(4835 x 0.05593 x 1.04 x 26.34).

The amount of the 1re share paid on your retirement is €351.55 (4835 x 0.05593 x 1.04 / 12 x 15).

The balance of the paid-up capital by the 16the next month is €7,056.27 (7 407,82 - 351,55).

You can simulate the amount of your pension:

Additional Public Service Retirement: Benefit Simulator

Equal to or greater than 5,125 points

The RAFPRAFP : Additional retirement from the public service provides you with a pension, paid monthly to expired term.

The annual amount of your pension is calculated according to the following formula:

Number of points accumulated x Point service value in effect at the start date x Surcharge factor (varies depending on your age)

The point service value in 2025 is €0.05593.

The mark-up coefficient (premium) varies according to your age at the date of your retirement, as follows:

Tableau - Surcharge rate applicable according to the age of the applicant on the effective date of retirement

Age of applicant

Surcharge rate

62 yrs

1

63 yrs

1.04

64 yrs

1.08

65 years

1.12

66 yrs

1.17

67 yrs

1.22

68 yrs

1, 28

69 yrs

1.33

70 years

1.40

71 years

1.47

72 years

1.54

73 yrs

1.62

74 yrs

1.71

75 years or older

1.80

Example :

If you have accumulated 8,000 points on your PFRP account and you apply for your retirement in 2025 at age 63, the amount of your pension is €465.34 gross per year: (8 000 x 0,05593 x 1,04), or €38.77 per month.

You can simulate the amount of your benefit:

Additional Public Service Retirement: Benefit Simulator

Your supplementary retirement pension is subject to the CSGCSG : Generalized social contribution and the CRDSCRDS : Contribution towards the repayment of social debt.

However, rate are different depending on your household income.

Your supplementary retirement pension may also be subject to the Solidarity for Autonomy Contribution (Casa).

Your request for a supplementary pension is made at the same time as the application for a basic retirement pension.

If you die, a survivor's benefit may be paid under conditions by the RAFPRAFP : Additional retirement from the public service your surviving spouse, your separated spouse, your divorced ex-spouse, unless he/she is living in a relationship.

A benefit is also paid on condition to your orphaned children.

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