Supplementary retirement of a public service contractor (Ircantec)

Verified 13 August 2024 - Directorate for Legal and Administrative Information (Prime Minister)

As a contractor, you must contribute to theIrcantec: titleContent. The Ircantec is a supplementary pension fund the basic pension fund of the Social Security Pension Insurance. We present the main rules of this supplementary pension.

The Ircantec is a supplementary pension fund.

When you retire, you receive a supplementary retirement allowance from Ircantec in addition to your basic retirement pension from Social Security Pension Insurance.

The Ircantec is a retreat by points.

Your contributions (employees and employers) are converted into pension points.

The points earned are accumulated throughout your career as a public contract agent.

When you retire, your total points are converted back into a retiring allowance.

You're paying obligatory to the Ircantec if you are a contractor in the public service (state, territorial or hospital).

The additional pension contributions to Ircantec deducted each month from your remuneration and the employer contributions paid by your employer administration allow you to earn points.

Some periods not worked and not paid are eligible for free points.

If you have had 3 or more children, you can benefit from a increase the total number of points.

These points are accumulated on an individual account called point count.

Conversion of contributions to points

Your contributions are converted to points, based on a called amount acquisition value or reference salary, that evolves every year.

The result is rounded to the top.

In 2024, the point's acquisition value is set to €5.611.

Example :

If the annual amount of your and your government's contributions in 2024 is equal to €1,000, you get 178 points (1 000 / €5.611).

You can check online the number of points you have earned on your My Public Retirement personal space:

Your personal space: My public retreat

Awarding free points

Some periods not worked and not paid contributions shall be eligible for free points, in particular for the following periods:

  • Accident at work Sick, maternity or adoption leave with social security benefits for at least 30 consecutive days
  • Periods of receipt of an invalidity pension from the general social security scheme
  • Accident at work Periods of receipt of an annuity from an occupational disease corresponding to a minimum 2/3 incapacity rate
  • Periods of unemployment for benefit
  • Military service (provided you have at least one year of membership in Ircantec)
  • Periods of interruption of all professional activity to raise at least one child (provided that you have at least one year of membership of the Ircantec).

Increase in the number of points for children

Your total points will be increased if you complete one of the 2 conditions following:

  • You've had at least three children
  • Or you or your spouse had at least 3 children under your care, of which you were not a parent, for at least 9 years prior to their 16the birthday.

The percentage increase in your points depends on the number of children you have had:

Tableau - Increase rate based on number of children

Number of children

Point Markup Rate

3

10%

4

15%

5

20%

6

25%

7 and up

30%

Conditions for the award of the retirement allowance at full rate, reduced rate or increased rate

Your supplementary retirement allowance may be granted at a full rate, a reduced rate or a higher rate depending on the age at which you retire and/or the number of quarters of retirement insurance.

Full Rate

Your supplementary retirement allowance from Ircantec is paid to you full rate if you meet any of the following conditions:

Reduced rate

If you do not qualify for a supplementary retirement allowance at full rate, you can apply for your supplementary retirement allowance from the age of 57.

In this case, your number of points is permanently reduced by applying a reduction coefficient which depends on:

  • Only of your age if you apply for your supplementary retirement allowance before thestatutory minimum retirement age
  • Your age and the number of quarters you have if you claim your supplementary retirement allowance between the statutory minimum retirement age and 67. In this case, the most advantageous coefficient is used.
Increased rate

If you are applying for your supplementary retirement allowance after age 67, your total points is increased of 0.75% by full quarter between age 67 and your retirement date.

If continue working between the statutory minimum retirement age and 67 years beyond the length of pension insurance required to qualify for a basic pension at a full rate, your total points are increased by  0.625% by completed quarter.

Calculation of pension

The method of calculating your supplementary retirement allowance varies according to your number of points.

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You have less than 300 points

You're getting capital unique paid in once only, upon your retirement.

It is equal to your number of points multiplied by the vesting value of the point (or reference salary) from the previous year.

Example :

In case of retirement in 2024 with 150 points: 150 x €5.329 = €799.35.

You have at least 300 points

Your retirement allowance is paid to you with due date according to a periodicity who varies according to your number of points :

  • Between 300 and 999 points: your retirement allowance is paid to you in one installment at 1er January of each year
  • Between 1,000 and 2,999 points: your retiring allowance is paid to you every quarter
  • 3000 points and more: your retirement allowance is paid to you every month.

Your retirement allowance is equal to your points multiplied by the liquidation value (or service value) in force in the year of your departure.

In 2024, the liquidation value of the point shall be €0.54357.

You can perform a simulation of the amount of your retirement allowance on your personal space My Public Retirement:

Your personal space: My public retreat

To claim your supplementary retirement allowance, you must cease all professional activity, except in the case of gradual retirement.

You can apply for your retirement allowance online in your personal space My Public Retirement:

Your personal space: My public retreat

Please note

Your application is valid for all mandatory basic and supplementary pension funds on which you depend.

If you request a phased basic pension, you can benefit from a fraction your supplementary retirement allowance equivalent to that paid by the Social Security Pension Insurance.

During the phased retirement period, your contributions to Ircantec allow you to acquire new retirement points.

When you retire definitive, your supplementary retirement allowance is recalculated.

Who can help me?

Find who can answer your questions in your region

  • Ircantec

    By email

    Access to contact forms

    By telephone

    • Retirement info: 02 41 05 25 25
      Monday to Friday from 9am to 5pm. For information on the regulations, the procedures ...
    • Voice Server: 02 41 05 24 00
      7 days a week, 24 hours a day. For any information concerning your pension (date of payment, monthly amount, change of address or payment).
    • Registration and Login Help: 02 41 05 30 19
      Monday to Friday from 9am to 5pm

    By mail

    24 Louis Gain Street

    BP 80726

    49939 ANGERS CEDEX 9

    Indicate your references (social security number and/or contract number).

    On the spot

    Only by appointment - Request for appointment on 02 41 05 25 38

    • In Angers: 21 rue Auguste Gautier, Monday to Friday from 9am to 5pm
    • In Paris: 12 avenue Pierre-Mendès France, Paris XIII, from Monday to Wednesday from 9am to 5pm

FAQ