Do you know how the amount of your retirement pension is calculated? For many French people, this is a trick question – or, at the very least, a glue. And for good reason ! Many policyholders are unaware of their rights. Indeed, the recent file produced by our teams on the subject of the relationship of each other to their cessation of activity bears witness to this. The cruel shortcomings that future policyholders sometimes present illustrate a certain complexity of the system. Unfortunately, the calculation of rights is no exception.
In theory, recalls the specialized site La Retraite en Clair, the calculation of the amount of the final pension is based on two distinct elements (which must also be identified): the respective amounts of the pensions from the general scheme and the supplementary scheme. For employees, this amount therefore depends on the average annual salary (SAM), which corresponds to the average of the salary received during the best 25 years of the career. Then applies the rate relating to the number of quarters acquired before retirement (50% in the event of a full rate) and the possible premium for those who have pushed the effort further. But does the average annual salary take overtime into account?
Various incomes are integrated into the SAM calculation. This is particularly the case of those received following overtime, informs the Pension Insurance in the columns of Center Presse. “overtime is subject to social contributions and is therefore included in the calculation of the pension. They are taken into account: in the calculation of the 25 best years of salary and therefore in the calculation of the average annual salary; in the validation of the number of quarters contributed”, recall the experts of the organization.
