While the debates around the pension reform are still raging, the French are increasingly wondering about the age at which they will be able to retire, but also the amount of their future pension. It is rarer to obtain information from people who have never worked and thus know if a right to retirement remains open all the same in this configuration. What are the possibilities for a person who has never worked? Is it possible to receive a retirement pension in this case?
To obtain a retirement pension, it is normally necessary to have contributed a minimum before the age of 67. The old-age contributions paid by the employees, as well as the employer, thus offer the possibility of validating quarters for the basic pension schemes. They also make it possible to acquire points for supplementary pension schemes. In other cases, it is possible to benefit from bonus quarters in the context of maternity, child rearing, but also help as a third party, military service or even unemployment benefit.
It is possible to contribute to retirement without ever having worked in different ways.
You can ask to be attached to the old-age insurance for stay-at-home parents (AVPF), for example if you are a housewife or a housewife. This device allows you to validate quarters without having to work, because it is the CAF that contributes in your place, up to the minimum wage. Please note that not everyone can benefit from it. To be eligible, you must:
You can also register as unemployed to validate up to 6 quarters of retirement. This non-compensated unemployment does not earn you any points for the supplementary pension.
Finally, you can voluntarily contribute to pension insurance. Only one quarter can therefore be taken into account for your retirement. Its amount will be minimal and subject to a discount. Here are the conditions to benefit from it:
A quarter worked, even alone, counts for your retirement and you will therefore receive a pension at the legal retirement age. Its amount will be very low and subject to a discount. It will be much lower than that of retirees who have a full or almost full career. For example, a person who has contributed 40 quarters over 10 years will receive less than 100 euros in retirement per month.
To supplement your income, you will be offered to apply for social assistance, the Aspa, the solidarity allowance for the elderly. The amount of the allowance was set at 961.08 euros per month as of January 1, 2023.
Apart from unemployment, other moments of life allow you to obtain quarters of retirement without working. Here are some examples:
Finally, widowed persons who have never worked can, in the same way as persons who have worked, benefit from a survivor’s pension.
