Although it is generally necessary to have worked and paid contributions to receive a retirement pension, certain schemes allow people in a household who have never worked (or very little) to also receive one. However, certain conditions must be met.
According to the latest report from the Directorate of Research, Studies, Evaluation and Statistics, theThe gap in the amount of retirement pension between men and women is still glaringalthough it is slowly decreasing. Women receive on average a 40% lower pension to that of men.
Women, on the other hand, are more often affected by so-called “derivative law” pensions. like survivor’s pension. This pension is paid to people whose employee or civil servant spouse has died. It represents part of the retirement that the husband or wife would have benefited from. Next to 88% of the beneficiaries of this derived aid are women.
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Old age insurance for stay-at-home parents, a pension for stay-at-home mothers
What about those who have never worked? According to the site Retirement in plain termsif it is necessary to have paid contributions (and therefore, to have worked) to accumulate retirement rights, there are a few exceptions: stay-at-home parents and people who help a disabled child or loved one at home. This device is called old age insurance for stay-at-home parents (APVF), calculated on the basis of a gross minimum wage.
To be affiliated with the APVF, a single person must meet several conditions : have a child under 3 years old or at least two children, receive resources lower than the ceiling used to allocate the back-to-school allowance (therefore less than 25,775 euros in 2020 for 2023, with one child, adding 5,948 euros per child) and receive either the young child care benefit (Paje), the family supplement, or the shared child education benefit (PreParE). In addition to these conditions, a person in a relationship must have professional income in 2021 which does not exceed 4,977.72 euros and the couple’s resource ceilings are higher.
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Those who care for disabled loved ones can also receive a pension
If the parent of a disabled child does not work (or part-time), he can be affiliated with the APVF as a caregiver. The child must be under 20 years old, have a permanent disability of 80% or more, and not have been admitted to an institution. This can also be the case when the person being helped is part of the family (parent, grandparent, uncle or aunt, nephew or niece, spouse or partner, etc.) and is 80% or more disabled.
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People who do not meet these criteria can also subscribe to solidarity allowance for the elderly. Revalued on January 1, 2024, its amount may increase up to 1,012.02 euros per month for a single person and to 1,571.16 euros per month for a couple.
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Passionate about writing, Floréane is interested in a wide variety of subjects. When she is not writing about current affairs, the environment or gender issues, she takes refuge under a blanket…