Supplementary Retirement: Who Qualifies and What You Get

This scheme allows self-employed professionals to build up extra pension benefits on top of the standard state retirement system through a points-based method.

👤Who it's for

This scheme is specifically intended for self-employed professionals. If you work for yourself rather than as a traditional employee, this system is designed to help you build a more robust financial foundation for your later years.

🎁What you get

Through this system, you earn additional pension points, which are referred to locally as points de retraite. These points are accumulated based on the contributions you make during your working life. When you reach retirement age, these accumulated points are used to determine the amount of your supplementary pension, providing a layer of financial security alongside your basic state pension.

💰What it costs you

The cost of this scheme is managed through an automatic deduction from your professional turnover. This means that as you earn income from your self-employed activities, the necessary funds are taken to cover your contributions, ensuring you stay enrolled in the system without needing to make manual payments for every single transaction.

⚠️The catch to know

One important detail to keep in mind is that your pension points are not always updated in real-time on your online portal. Because there can be a delay between your contributions and the reflection of those points in your digital account, you should not rely solely on a single glance at the portal to know your exact standing at any given moment.

📝How to apply

1. Maintain your status as a registered self-employed professional to ensure you are covered.
2. Account for the automatic deductions from your turnover as part of your regular business expenses.
3. Periodically log in to your official portal to review your accumulated points.
4. Check the official portal for the current status of your retirement account.