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Having worked abroad has an impact on your future retirement. Here are some tips to avoid any unpleasant surprises.
Capital Video: Retirement: How are your periods worked abroad taken into account?
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– If you work abroad, it is better to know the consequences of this period on your retirement.
Not always easy to find your way around. If you have worked for several months or years outside the borders of France, when you retire, you may wonder about how these periods are taken into account. It all depends on where countries in which you have practiced. If it is a European country or a state with which France has an agreement (Brazil, India, Cameroon, etc.), “you must notify us of your activity abroadwarns Philippe Bainville, retirement insurance expert, during a webinar organized by Capital on March 21. It is then the pension fund which will approach these countries and which will try, through exchanges, to recover the periods which have been completed.. If the country in which you worked has not signed an agreement with France, it will be it’s up to you to take these steps.
Then, the information collected by the pension fund will allow you to know the number of quarters that these periods worked abroad “brought back” to you. “We will just use it to obtain the full ratespecifies the expert. When the time comes, if you still reside in France, it is the pension fund which will contact foreign funds to request possible payment, if you have the right to a pension in the country. We will take the steps for you», he explains. Again, if you have worked in a country that does not have no agreement with Franceyou will have to carry out all the steps yourself.
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Think about the voluntary contribution
As for the Agirc-Arrco supplementary pension, the principle is different. “We do not award points unless there has been voluntary membership in Agirc-Arrcoexplains Fanny Guillou-Marre, expert at Agirc-Arrco. In this case, it’s as if you had worked in France and the points continue to accumulate.” If you are considering moving abroad soon, better to take the lead concerning your future Agirc-Arrco supplementary pension. “You must contact Malakoff Humanis which is the fund dedicated to expatriate workers”advises Fanny Guillou-Marre.
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