We are all entitled to free quarters taken into account in the calculation of our retirement. Find out in which cases, so as not to lose money!
Do you know how your pension amount will be calculated? This depends on several factors and in particular on your status and therefore your retirement plan: employee in the private sector, civil servant, self-employed worker. And of course, the amount of the pension depends on your income, the length of your career and the age at which you retire. For an employee in the private sector, the pension will be equal to 50% of the average gross salary for the best 25 years. When we talk about career duration, we are actually talking about the famous “quarters”!
But in addition to the quarters linked to professional activity, almost all of us are entitled to “bonus” quarters. Many people forget them, and yet these so-called “assimilated” trimesters are very important and can prove very useful in many cases, particularly for women who have worked part-time to raise their children. Thus, each child born (or adopted minor) is entitled to additional quarters. People who have taken parental leave are entitled to additional quarters of free pension insurance depending on the length of parental leave. Large families are also supported, since parents who have three or more children see the amount of their Retirement Insurance retirement pension increased by 10%. The parent of a disabled child can also benefit from one quarter of free additional retirement insurance per 30-month period of education, up to a maximum of 8 quarters.
Of course, these additional terms do not only concern parents. It is possible to benefit from it if you have been unemployed, compensated or not, at the rate of one quarter per 50 days, if you have been on long-term sick leave, on disability or if you have carried out military or civil service. Situations can obviously be cumulative, within a certain limit.
It is therefore essential to carefully check your career statement, available on the official Retirement Insurance website, to ensure that all quarters, including those assimilated, appear there. Regularization in advance can avoid unpleasant surprises upon departure and optimize the amount of your future pension.
