Jobs, work-study programs, internships…what experiences count toward retirement?

Summer jobs, work-study programs, internships, civic service… all these professional experiences count towards pension insurance and entitle you automatically or under certain conditions. He thinks that he is a student.

Paid wages at the age of 43 to receive a full pension from 2027, This is what the currently criticized pension reform bill proposes. The prospect of retiring at age 18 or 20 may seem far from your worries. However, this is important to know Your first steps in business life often lead to contributions and thus entitles you to a pension. L’Etudiant takes professional experiences into consideration for your future retirement.

Student jobs, summer jobs: you contribute to the pension… if your job is advertised

If, like more than 40% of students, you are engaged in a professional activity in parallel with your studies, you earn rights for your future scholarship. It doesn’t matter if your salaried job is permanent, temporary, temporary, part-time or full-time.

As soon as your work is done during the school year When declared by your employer to Urssaf and the social security authorities, you contribute to the pension and earn a quarter. A small reminder: refuse illegal jobs, undeclared jobs that are paid in black.

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As a freelancer, you contribute if you turnover

If you operate under the status of a micro-entrepreneur alongside your freelance studies, your job may retire.

The main thing is to pay for your activity. Once you understand circulation, flat-rate contributions are actually deductible, allowing you to access your pension rights. Here again, give up illegal activities and declare your activity.

Alternative: apprenticeship or professionalisation, your activity is confirmed as any employee

If, like more than 830,000 young people in 2022, you completed part of your education through an apprenticeship or professional training contract, you are considered an employee of a company.

Your periods of activity under the work-study contract approved under the same conditions as those implemented by other employees of the company : each apprenticeship period counts as a pension period. Similarly, if you have done your work with a professionalization contract.

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Practices: compensation should be more than the legal minimum for open rights

Experience allowances also count, but under certain conditions. As long as your experience exceeds two months (or 308 hours), you must be paid a minimum benefit of €4.05 per month by your employer in 2023. This minimum benefit is not subject to social security contributions and therefore does not create any pension rights.

However, some employers offer more generous and higher bonuses. The part that exceeds the minimum amount becomes a contribution and is taken into account to calculate your pension entitlement.

Civil service mission: quarters will count toward your retirement

Civil service offers young people aged 16-25 the opportunity to undertake a public interest mission for six to twelve months. A monthly lump sum paid to you You are not paid, you are performing your civic service.

However, you are connected to the general social security system and the structure that welcomes you for your mission pays social security contributions. Therefore, all approved quarters will be taken into account by the pension insurance.

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International corporate volunteering: the mission must last more than six months

International volunteering in business (VIE) or management (VIA) allows young people between the ages of 18 and 28 to go abroad on a mission for a company. A great experience from six months to two years, that counts such as insurance neighborhoods for retirement. Provided your mission lasts more than six months. If your contract is terminated before the end of the sixth month, no quarter will be confirmed.

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