In principle, someone who has never worked cannot receive a retirement pension. Indeed, it is by having a salaried or self-employed activity that we contribute to old-age insurance. These contributions are deducted from our salary or earned income. They are then translated into quarters or points which are used to calculate the amount of our basic and supplementary pension. However, there are several situations that allow people who have never worked to acquire pension rights. Review of these main cases.
If you have done your military service, also called national service, this period counts towards your retirement. This means the time that citizens had to spend in the French army, the periods of international volunteering of at least 6 months, as well as those accomplished as a conscientious objector in a civilian training providing work of interest general.
Thus, this time spent in the army makes it possible to validate one quarter per period of 90 days of incorporation, within the limit of four quarters per calendar year. Be careful, however, for these periods to be validated as part of your retirement, you must nevertheless have contributed to old-age insurance before or after your national service.
If you have experienced periods when you were registered as unemployed, even without having been compensated, these are taken into account for your retirement.
Two scenarios:if your periods of unemployment go back before 1980, they are assimilated to periods of old-age insurance and give the right to quarters (1 quarter is validated every 50 days of unemployment, within the limit of 4 quarters per year ), but these are not contributions that allow you to earn a sum in euros for your retirement. The same rule applies for the time spent unemployed receiving benefits after 1980. On the other hand, if these periods have never been compensated, they are taken into account within the limit of one and a half years (6 quarters) if you were in this situation after 2011, and within the limit of one year (4 quarters) before 2011.
If you were a stay-at-home parent or cared for a disabled or sick relative without having a professional activity on the side, these periods can be taken into account for your retirement. In these situations, you are in fact affiliated free of charge, i.e. without paying contributions, to the old-age insurance for stay-at-home parents (AVPF).
Thus, as a stay-at-home parent, you obtain, depending on your situation, quarters of pension insurance under the general scheme if you receive the shared child education benefit (PreParE), the basic allowance for the reception of young children (Paje), the family supplement, the daily parental attendance allowance (AJPP), or if you have a disabled dependent child.
People who take care of a sick or disabled relative with a permanent disability rate of at least 80%, without working on the side, also benefit from quarters of pension insurance under the general scheme by being affiliated to the AVPF. .
A person who has never worked due to disability does not contribute to his retirement. On the other hand, as a socially insured person and beneficiary of a disability pension, you can validate quarters for your retirement.
Thus, within the limit of 4 quarters per calendar year, you acquire a quarter for each calendar quarter comprising 3 monthly payments of the disability pension. Before 1 st October 1986, a quarter is validated for each calendar quarter which includes the payment of the invalidity pension. These quarters are taken into account in your insurance period and are used to calculate your pension.
Widows and widowers who have never worked have the possibility of receiving a survivor's pension following the death of their husband or wife who was employed or self-employed. This pension, equal to 54% of the basic pension of the deceased, is paid by Social Security subject to means testing. Agirc-Arrco can also pay a survivor's pension for the supplementary pension of the deceased under certain conditions.
Even if you have never worked, but have taken part-time studies (apprenticeship or professionalization contract), these periods allow you to validate terms for your retirement.
