Agirc-Arrco: Pension points errors can impact retirement income

Private sector employees in France may face significant reductions in their supplementary pensions due to errors or omissions in their Agirc-Arrco career statements. Because the Agirc-Arrco scheme is managed by employer and trade union organizations rather than the state, it is essential for workers to monitor their points closely to ensure all periods of activity are correctly recorded.

Key anomalies to watch for include missing employment periods, employers, or specific months on career statements. While certain periods like sickness, maternity leave, or unemployment can impact point accumulation, specific rules apply. For instance, sickness or disability may grant points based on the previous year's earnings if the absence exceeds 60 consecutive days. Conversely, some types of leave, such as parental or family solidarity leave, may not provide points unless a specific company agreement maintains contributions.

Workers should also be aware of the timing of point updates; points from a given year are typically only credited to statements in the following year. Additionally, a decrease in the number of points despite a rising salary can occur if the purchase value of a point increases faster than wage growth. To avoid long-term financial loss, employees are encouraged to verify their records via Info-retraite.fr using FranceConnect.