Retirement points power supplementary pension schemes, similar to quarters in the basic pension system. Over your career, workers contribute to earn both a basic pension and supplementary benefits.
In private-sector supplementary plans, contributions during working years build points in your individual account. At retirement, these points determine your gross supplementary pension amount. Each point has an euro value, updated annually by managing social partners.
More points mean a higher supplementary pension, as total points multiply by the point value (e.g., 16.1879 euros for Arrco and 5.6306 euros for Agirc in 2017). For private-sector employees, Arrco and Agirc allow buying extra points to boost your total. Conditions vary by scheme—research thoroughly, as costs can outweigh pension gains.
Schemes offer redemption under specific rules. For Agirc-Arrco, redeem for higher education years (max 3 years, up to 70 points per year)—but only after buying back quarters in your basic scheme.
Costs differ by scheme. For Agirc-Arrco, it's: number of points × point value × age coefficient (e.g., 22 at age 50, 23.2 at 55, 24.6 at 60, 25.3 at 62).
Request redemption before pension liquidation. Private and agricultural employees use Agirc-Arrco. Liberal professions contact: CARMF (doctors), CPRN (notaries), CARCDSF (dental surgeons/midwives), CAVOM (ministerial officers), CAVP (pharmacists), CARPIMKO (nurses etc.), CARPV (vets), CAVEC (accountants).
Not available for self-employed (RSI), MSA agricultural employees, some liberals, or public servants.
Eligibility: age 20-67 (under 60 for civil servants/military), not yet drawing pension.
