Contact minimum: Conditions, amount and calculation

The minimum contributory (Mico) is an amount of basic retirement. Its objective is to allow people who have contributed to low wages to have a retirement with a decent minimum income. Conditions of obtaining, calculation method, amount and procedures to benefit from it … We tell you everything!

Capital video: What is the minimum contributory?

What is the minimum contributory (Mico)?

The amount floor of basic retirement in France

The minimum contributory (Mico) is a system that guarantees a minimum retirement pension to retirees who have contributed to low wages. This basic retirement floor amount applies, under conditions, to the pensions of private employees whose retirement contributions are not not enough to live decently.

The retirement pension increased to the minimum guaranteed level

The minimum contributory (Mico) Added to the pension basic retirement so that it can reach the guaranteed minimum level. In other words, if an individual’s basic retirement is lower than a contributory minimum, it is increased to this threshold.

Who is entitled to the minimum contributive retirement?

To benefit from the payment of the contributory minimum, it is necessary to have contributed to the general age of social security insurance. In detail, are concerned:

• Private employees (private sector employees, contractual public service agents, business managers, employee spouses, craftsmen, traders, industrialists, etc.) under the general social security scheme;
• agricultural employees (MSA);
• Independent workers (craftsmen, traders, industrialists, self-employed, liberals, individual entrepreneurs, managers of SNC, EURL and SARL).

What are the conditions for the minimum contributory?

Having reached the legal retirement age

The minimum contributory is only granted to people who have reached the legal retirement age. From 62 to 64 years old, he varies depending on the year of birth. People who have reached the age of the full automatic rate, or 67 years old, can also benefit from it, even if they have not validated all their quarters.

Have validated the number of quarters required

Another condition, to justify the minimum number of quarters allowing to benefit from Full rate retirement ::

• 166 quarters for people born in 1955;
• 172 quarters for those born from 1965.

This number can be reached either by combining the required quarters, or by reaching the age of the full automatic rate at 67 years.

Have liquidated all of your retirement rights

It is imperative to have requested the liquidation of all of his retirement pensionsboth base and complementary, with all regimes (French and foreign) to which the insured person contributed. This liquidation must be carried out simultaneously so that the Mico is applied.

No income condition

Unlike certain aids, Mico is awarded Without resource condition. This means that additional income, such as rents, capital income, allowances or professional activity, are not taken into account to determine the eligibility for this increase. The objective is to guarantee a minimum pension level.

Do not exceed the monthly personal pensions ceiling

The allocation of this simple contributory minimum cannot bring the total amount of pensions (more complementary basic) beyond the monthly ceiling for personal pensions. It is revised on the same dates and under the same conditions as the minimum wage. The ceiling is fixed at 1394.86 Euros net monthly. In case of exceeding, the Mico is reduced in proportion.

What is the amount of the minimum contributory retirement in 2025?

COMPOSITION OF MICO

The monthly amount of the minimum contributory decomposes in two parts:

• there basic increase (under the duration of total validated insurance);
• there increase in the lifted duration (for retirees justifying an insurance period of at least 120 quarters to the general scheme).

Basic amount and increase in the minimum contributory

Since January 1, 2025, the level of the minimum contributory has been revalued by 2 %. The amount of the Mico depends on the retirement conditions of the retiree. There are three cases:

• If the person has retired before 67 years being required, the amount of their pension cannot be less than 10 723.88 raw euros per yeareither 893.66 raw euros per month (against 10,513.61 euros gross per year and 876.13 euros gross per month in 2024).
• If the person has retired before 67 years old, being required, but they have less than 120 quarters contributed (non -complete career), the amount of pension cannot be less than 8 972.30 raw euros per yeareither 747.69 raw euros per month(against 8,796.38 euros gross per year and 733.03 euros gross per month in 2024).
• If the person has retired before 67 years by being required and has more than 120 quarters contributed, the amount of 747.69 raw euros per month is increased Depending on the number of quarters contributed compared to the total number of quarters.
• If the person has retired before 67 years without having the number of quarters required, the amount of 747.69 raw euros per month is reduced according to the number of quarters compared to the number of quarters required to be entitled to a retirement at full rate before 67 years.

How is the minimum contributory retirement calculated?

It is calculated on the effective date of the pension. If the total pensions exceed the ceiling of personal pensions, the increase is reduced up to the overtaking. This ceiling is calculated on the basis of the gross amount of pensions (including increases), but without taking into account the overflow, the increase for third person and the single flat -rate payment.

What is the minimum contributory to polypendants?

Every quarter is totalized

In the case of polypendants, All compulsory basic plans are retained. Thus, we remember the duration of insurance taken into account by each of the diets, and all quarters are totalized, even if they are overlapping and exceeding four per year.

If the insurance period does not exceed the contribution duration of the general scheme

The whole minimum not increased is reduced given the insurance period to the general scheme compared to the maximum insurance period. The calculation formula is as follows: minimum whole not increased × insurance duration to the general scheme/maximum insurance duration.

Take the example of a retiree born in 1958 and which totals 160 quarters, including 145 contributed (98 in the general regime and 47 as a civil servant):

• The 167 quarters required are not united. The non -increased contributory minimum will therefore be: 747.69 euros × 145/167 = 649 euros.
• The contributor who did not contribute 120 quarters to the general regime, he is not entitled to the increase.

How to get the minimum contributory?

The allocation of the minimum contributory does not require No specific approach. It is retirement insurance which, in view of the amount of basic and additional pensions allocated to the insured, checks if it can claim it. Any retiree with modest wages and thinking of being a victim of an oversight or an error can make a complaint with retirement insurance.

When is the minimum contributory?

The minimum contributory (Mico) is paid each month at the same time as the basic retirement pensionwithout an additional approach.

For the general regime, pensions are paid on the ninth day of the month following the period concerned. If it falls a weekend or a holiday, payment is made the previous or following working day. For example, the April 2025 pension is scheduled for Friday, May 9, 2025.

Is the contributory minimum reimbursable to death?

The minimum contributory (Mico) is not recoverable on the succession of the beneficiary’s death. This is an increase in the basic retirement pension, paid to the insured who has contributed to low incomes. Unlike certain social assistance, the minimum contributory is not subject to recovery on the heritage of the deceased.

Do civil servants have the right to minimum contributory?

A minimum guaranteed in the public service

The guaranteed minimum is a measure specific to the public service (State, territorial and hospital) aimed at ensuring a minimum amount of retirement pension for civil servants who had a career on modest treatments. He completes the basic retirement pension if it is below a certain threshold.

Minimum amount guaranteed in 2025

The amount of the guaranteed minimum is determined Depending on the number of years of effective services ::

• At least 40 years of service: the monthly amount is equal to 1,354.16 euros gross.
• Between 15 and 39 years of service: the amount is calculated according to a progressive formula. It starts at 57.5 % of the reference amount for the first 15 years, then more than 2.5 points per additional year of services between 15 and 30 years, and over 0.5 point per additional year between 30 and 39 years.

Calculation for civil servants under 15 years old

For civil servants with less than 15 years of service, the amount is proportional to the number of years of services Compared to the number of quarters required for a full -rate retirement. In the case of retirement for disability, the amount is calculated according to a formula taking into account the years of service and a percentage of the reference amount.

Conditions to benefit from the guaranteed minimum

To claim at least guaranteed, the official must have liquidated all of your retirement rights and fulfill one of the following conditions:

• Have reached the legal retirement age.
• Have completed the insurance duration required for a full -rate retirement.
• Be admitted to retirement for disability.

It is not necessary to make a specific request to benefit from the guaranteed minimum. The competent administration (state pension service or national pension fund for local authorities agents) automatically applies it.

What differences between the solidarity allowance for the elderly (ASPA) and the minimum contributory?

The solidarity allowance for the elderly (ASPA), or minimum old age, is a differential allowance. Its objective is to increase the amount of small pensions. However, unlike the Mico, the ASPA is paid regardless of the number of validated quarters and it is not taxable. The sums allocated by ASPA are partly recoverable on the estate.

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