SHARE
COPY LINK
For members

PENSION

Reader Question: How long do I have to work to qualify for a French pension?

If you have worked both in France and in another country, you might be curious at what point you become eligible for a French pension. Here is what you need to know.

Reader Question: How long do I have to work to qualify for a French pension?
Letters form the word "retirement" around numbers in relation to the pension reform sought out by French government (Photo by Lionel BONAVENTURE / AFP)

Many foreigners living in France have had blended careers – meaning they have worked in both France and at least one other country. This can make it complicated for navigating where you fit into the French state pension system, as well as the one for your home country. 

The key question most foreigners who have worked in France tend to ask is “How long do I have to work to qualify for a French state pension?” It is difficult to find a direct answer to this question online, and many websites indicate a minimum of ten to 15 years. 

Ask the experts: What foreigners living in France need to know about French pensions

In reality, the answer is that you need a minimum of just one trimestre (quarter) of working and paying taxes in France to qualify for a French pension.

The catch is that French pensions are based on contributions, so although you are eligible after just one trimestre, your pension will be pretty small. The below example is for someone who has worked in France for one year – their French pension is the princely sum of €4 a month.

This simulation is based on a person retiring at the (current) legal age of 62, or the maximum age of 67.

In an interview with The Local, French pensioners expert Denis Guertault, who works for the organisation France Retraite, explained that after one quarter of working in France (on a French contract), you will be entered into the state pension system – however, your pension is based on contributions, so although you will be entitled to a pension, it may not be very large.

You can find out what pension you are currently eligible for by using the French government pension calculator website info-retrait.fr

READ MORE: EXPLAINED: The website to help you calculate your French pension

“France works on a system of droit acquis (acquired rights),” the Guertault explained. Essentially, this means that the system is set up to be ‘pay-as-you-go.’

If you are an employee in France you will already be paying into your pension, since this is compulsory. If you take a look at your French payslip, among the deductions for social charges is the ‘retraits‘ section and this shows your pension contributions. These can be quite high – OECD data shows that the average French worker pays 11 percent of their monthly (gross) salary into their pension. 

For self-employed workers, this is part of the deductions set up via URSSAF. 

READ MORE: How to understand your French payslip

There are, of course, some exceptions, and the primary one is for people who have ‘posted worker’ status.

The Local also spoke with Tax Partner Jonathan Hadida, who works for Hadida Tax Advisors, a company specialised in tax consulting and helping Americans living in France to be tax compliant in both countries.

“This does not apply to people on a ‘seconded’ contract, who can request to stay on US social security for the first five years,” Hadida said,

“Generally what happens in a lot of these cases, is that the worker would continue to be paid by the US company, though different companies have different rules,” Hadida explained. The tax expert clarified that this is only available for the first five years for American posted workers, however. After five years, they will begin contributing to the French pension system.

When am I eligible for a full French pension?

France’s pension system has been a topic of controversy in recent years, as President Emmanuel Macron seeks to overhaul the institution, including raising the retirement age to 64.

As of 2023, the minimum retirement age was set to 62, and to qualify for a full pension (at the maximum rate of 50 percent), you must have worked a certain number of trimestres (quarters). The exact number of trimestres depends on the year you were born. Those born between 1961 and 1963 need 168 trimestres, or 42 years. Those born in 1973 or after currently need 172 trimestres, or 43 years.

Periods of unemployment, maternity leave or absence because of long-term illness or accidents at work are taken into account and these credits count towards determining your total number of trimestres.

For the average French worker, the calculation for how much one’s pension will come out to be will be based on average annual income for the best 25 years of your earning career, and the amount to which you are entitled is based on how long you have paid into the system.

However, for foreigners who have worked in both France and another country, the calculation for the total amount of your pension will depend on whether the other country you worked in is part of the EU/EEA or whether it has an existing social security agreement with France. 

READ MORE: Pensions: What should I expect if I worked in both France and a non-EU country?

If the other country you worked in does have an agreement with France (or is part of the EU), then the two will work together to determine how much your pension will be from France, and how much it will be from the other country. This formula will depend on the nature of the social security agreement between the two nations, however.

Once calculated, you will receive one sum from France, and another from the other country you worked in. Keep in mind, that this may mean you will need access to a bank account in the other country to receive your pension payout.

READ MORE: Ask the Expert: How Brexit has changed the rules on pensions, investments and bank accounts for Brits in France

If you have been in France for more than 10 years, you may also be eligible for ‘top up benefits’ when you retire, if your total pension is below a certain amount. 

This article is a general view of the pension system and does not constitute individual financial advice. If you are are unsure about your pension rights, seek independent financial advice.

Member comments

  1. Can anybody tell me how to get an answer from the CARSAT in Rouen that, apparently, deals with the dossiers for all French pensions paid to non-French nationals. I am receiving only approximately 30% of my predicted (by the French) pension and never get a reply, even to registered letters, asking for why the amount varies so considerably from their previous calculation
    I was self-employed, and paying tax, here for 20 years, although latterly discovered that I was credited with only one trimestre, for many years, for the ‘cotisations’ that I thought were going towards my pension, but this was taken into account in their original computation.
    I enjoy living in France, but hate the stonewalling administration as much as the French do themselves!

Log in here to leave a comment.
Become a Member to leave a comment.

LIVING IN FRANCE

Utility bills, ‘sexy’ myths and French seasons: 6 essential articles for life in France

What to look for in your next electricity bill, the truth about the ‘sexy' French, renting out your holiday home and Constitutional change - everything you need to know about life in France is in our round-up of must-reads in The Local

Utility bills, ‘sexy’ myths and French seasons: 6 essential articles for life in France

Last year saw a price freeze on energy bills in France that protected consumers from spiralling gas and electricity charges seen in other European countries.

This ended on December 31st and instead a price cap has been imposed, that allows bills to rise. The first price rise – on gas bills – came into effect from January 1st, and from February 1st electricity bills can also rise. Here’s what it all means for your monthly bills.

EXPLAINED: How your French electricity bill will change in February

One of the most enduring stereotypes about the French is that they are impossibly romantic, utterly charming, dangerously seductive and just downright sexy.

We know this label can’t possibly apply to an entire nation – but where does the image come from? And how do the French themselves feel about it? We asked the experts. 

Where does the ‘romantic, sexy French’ stereotype come from?

Many people dream of moving to France. It is a country steeped in culture and beautiful natural landscapes. It also has a remarkable work-life balance and social safety net.

If you are one of those who are thinking – or even just daydreaming – about moving to France, it can be hard to know where to start in your preparations. Here’s our checklist for the essential things to do before the move.

Checklist: 10 things to do before moving to France

Once you’re here, you’ll soon discover that France is like nowhere else on Earth. Some countries have just four seasons, but those lucky enough to live in France have a dizzying array of different ‘seasons’ defined by food, drink, dress and festivals. Here is our guide to the real seasons of France.

Oysters to firemen’s balls and la rentrée: The 25 seasons of the French year

Renting out your holiday home – either on a long-term or a short-term basis – is perfectly legal in France. But if you’ve bought a second home hoping that, as well as a pleasant bolthole, it will also generate some rental income, there are some things you need to know. Well, it’s complicated…

Five things to know about renting out your French property

As France moves closer to inscribing the right to abortion in its constitution, we explain how it’s possible for a country to change its fundamental document. It clearly is, as France has had more than a dozen of them in its time.

Can France’s Constitution be changed?

SHOW COMMENTS