Retirement insurance is "Security" for every worker, can receive a pension calculated according to age and number of contributions will end when his business, either by choice or because he has reached the legal age limit for power ply his trade. But how exactly does the pension insurance?
In France, pension insurance consists of a basic plan , paid by Social Security through the CNAV and one or more supplements paid by different agencies depending on the trade of the contributor. Although the basic scheme of Social Security is a social gain in size, it may not be sufficient in itself to guarantee a living standard similar to that of working life: the pension insurance can not do without a counterpart which is mostly required.
In insurance retirement, the worker population is divided into three categories: private sector employees , officials and non- employees (professional, head of business etc..). To supplement their retirement , Private sector employees are affiliated with ARRCO. This is also the case of officers, who are also affiliated with AGIRC. For staff, the choice of pension supplement is optional, and may designate CREF, the CGOS or PREFON. For non-employees, the pension insurance fund will go through the old IHR or the CIPAV depending on the type of activity they perform.
To further consolidate their pension insurance , most workers choose to contribute to a retirement supplement additional contracted with private agencies. In this case, the pension insurance is established by capitalization (as the operation of saving) rather than division (the pensions of retirees are funded by contributions from active workers).
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