If you are a micro-entrepreneur, you pay monthly or quarterly social security contributions on your turnover. Indispensable and compulsory, they allow you to obtain pension rights, whether basic or supplementary. However, if you do not generate any turnover, your pension rights remain unchanged. What, then, is the retirement of a self-employed person?
It is Social Security that grants you your retirement rights as a self-employed person. You do not have to take any specific steps since your affiliation to Social Security takes place automatically when registering your company. The social security contributions paid to Urssaf are thus redistributed by the organization for retirement to the Cnav or the Cipav depending on your type of activity. For example, for the sale of goods, you must contribute 172 quarters of retirement.
The amount of your retirement as a self-employed person is calculated according to your 25 best years of income. Your retirement pension thus corresponds to 50% of your average income if you have contributed all your retirement quarters. The amount of average income taken into account cannot exceed 43,992 euros. You can also obtain a supplementary pension, which is set at a percentage deducted from the amount of your social security contributions. You can retire as soon as you reach the legal retirement age: like any employee, in the event of missing quarters, you will have to wait until the age of the full rate to receive your full pension.
