Between Carsat and Retirement Insurance, there are many differences that are important to know. Thus, Carsat is the pension and occupational health insurance fund and concerns employees of public institutions. Pension insurance, for its part, is supervised by the CNAV (National Old Age Insurance Fund) and is particularly interested in self-employed workers and employees of private companies. Overview of their differences in operation.
Created in 2015, Carsat supports employees who wish to build up retirement savings. In order to determine the contribution to be paid, the corporate purpose of the company, its size, its rules and its workforce are taken into account. The contribution to be paid to Carsat depends on the tax experts chosen by the government, who decide to set it according to the salary of each worker. When the number of employees remains below 10, the contribution rate is applied collectively to the employees. Above 10 and below 100, the individual rates are applied.
The CNAV, for its part, is the national old-age insurance fund. It is responsible for managing pension insurance for employees of private companies, as well as self-employed workers. Nearly 19 million people have thus chosen a contribution to the CNAV: it is an insurer in its own right, which includes Agirc-Arrco. Regardless of the year of birth of the employee, his retirement is launched at the age of 60. For self-employed employees, the rule changes with the possibility of choosing their retirement date.
