In principle, you have to work, be a job seeker, on sick leave, on maternity or parental leave to be able to contribute and acquire quarters for your retirement. However, parents who cease their professional activity to raise one or more children, or who have never worked, can accumulate pension rights. Explanations.
The Family Allowance Fund (Caf) takes into account pension insurance contributions for parents who cease their professional activity to raise their children, or who have never worked, via the "Parents' old-age insurance scheme in the home (AVPF)”. In this context, and in order to calculate the amount of the future retirement pension including these periods, the Caf bases itself on an income equivalent to the minimum wage.
However, to benefit from the AVPF, the stay-at-home parent must meet certain conditions. If he lives alone, he must indeed receive one of these benefits, all of which are means-tested:the childcare benefit (Paje), the family supplement (paid to parents of 3 children) or the daily parental attendance allowance (Ajpp). Other conditions that must be met:have 1 child under the age of 3 or at least 2 children, and receive income below the ceiling that allows you to benefit from the back-to-school allowance.
If the stay-at-home parent who does not work or works very little lives in a couple, he can receive the AVPF if he finds himself in one of the following four situations:having at least one child under 3 years old, receiving the Paje and have income below the ceiling that allows you to benefit from the back-to-school allowance; have at least 3 children and receive the family supplement; have at least one child under the age of 3 or an adopted child under the age of 20, receive the Paje, and have income below the ceiling which allows you to benefit from the family supplement; or have at least one child and benefit from the daily parental attendance allowance.
On the other hand, a stay-at-home parent can benefit from the AVPF provided that he is not affiliated with the pension insurance and that he has resources below a certain ceiling which depends on the composition of his family.
Stay-at-home parents who can benefit from the AVPF see their periods of professional inactivity assimilated to periods of activity, i.e. they accumulate pension rights without paying contributions. They are affiliated to the general scheme for employees and their contributions are paid on the basis of the minimum wage by the National Family Allowance Fund (CNAF).
More generally, thanks to the AVPF, salaries and quarters are taken into account when calculating the pension of stay-at-home parents.
When a parent who has stayed at home without working to bring up his children reaches the legal retirement age, he can claim a minimum income by benefiting, under certain conditions, in particular of resources, from the Solidarity allowance for people elderly (Aspa), which was previously called the minimum old age.
This allowance allows you to receive a minimum income of around 910 euros per month, in the vast majority of cases from the age of 65. To benefit from the Aspa, the stay-at-home parent who is of retirement age must nevertheless not exceed a ceiling of resources. 1,410 euros per month if he lives as a couple (all household income is taken into account), and 910 euros if he lives alone.
The fact of having had or adopted children allows you to benefit from an increase in your pension insurance rights. An advantage that therefore concerns stay-at-home parents.
There are 3 cases of increases:the maternity increase, the education increase, and the adoption increase.
The maternity increase is granted to the mother, provided that she is insured, and allows her to benefit from 4 additional quarters of pension insurance. The conditions are the same for the adoption increase, which allocates these additional quarters to both adoptive parents. Finally, the education supplement, which also provides 4 quarters of retirement insurance, is granted to parents under certain conditions concerning the duration of retirement insurance of the stay-at-home parent, parental authority and the residence of the child.
