To retire at legal age, you must complete between 160 and 172 quarters depending on your year of birth. Discover the impact of sick leave on your retirement age.
Sickness absence refers to period of inactivity during which thehealth of an employee does not allow him to work. These stops, of non-professional origin, affect the pace of quarterly contributions. What is its impact on the retirement age? Find out!
The impact of sick leave on your retirement age
Sick leave and pension contributions
a insured in case of illness does not contribute to his pension, but benefits from the so-called quarters similar disease. Over there Primary health insurance fund you grant additional compensation during this period. This support allows you to validate a quarter as daily sick pay every 60 days. These contributions are levied within a limit of 4 quarters per year and apply to both occupational disease and accident at work.
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Sick leave: case of pension liquidation for long careers
Absenteeism due to illness has consequences early retirement. After a long career, you can indeed end your career professional activity before the legal age, provided you have made sufficient contributions. Unfortunately, the contribution during sick leave only allows you to validate 4 quarters assimilated. If you do not pay enough premiums, you will not be able to retire earlier. If your sick leave is the result of an injury or disability caused by an accident at work, you will receive this full pension as a permanent disability.
Full pension: consequences of sick leave on your departure date
In reality, sick leave of less than 60 days will not affect your health care costs retirement age. If these interruptions last longer, they will affect your full retirement age, because you will stop paying your wage contributions when your activity is interrupted due to illness. During this period the so-called assimilated trimester disease are listed on your account. Employees who receive a full pension will not see their age shift.
Can sick leave reduce the pension amount?
Methods for evaluating a basic pension
It is imperative to understand the methods of evaluating a pension to understand pensions clearlyconsequences of absenteeism due to illness at retirement age. Your old-age pension is determined on the basis of:
- Average annual salary defined by your best 25 years of gross salary,
- Number of validated quarters,
- Clearance rate of your pension. It varies depending on the contribution period and the age you will be at the time you request your contribution old-age pension.
It should be noted that the amount of the basic pension is obtained by multiplying the liquidation rate and the average annual salary.
The consequences of sick leave on your quarterly contributions
THE per diem allowances are not included in the assessment of your average annual salary during the quarters assimilated. In general the SAT taken into account during sick leave are lower than those received without work leave. The salary is higher at the end of your career than at the beginning, because this is the period in which your bonuses are collected. A sick leave that takes place during this period prevents you from contributing to this high salary and therefore affects the evaluation of your pension.
Sick leave and the amount of the supplementary pension
Sick leave has no real impact on the operation of supplementary pensions. Employees from the private sector affiliated with Agirc-Arrco benefit from this extra points during their sick leave without paying premiums. The points awarded have a limited ceiling and may not exceed those of the previous year. The ideal is to maintain your employee status throughout the entire sick leave period. This allows you to receive sufficient daily and additional allowances and make a quarterly contribution to go full pension.