Role and key figures 2015

2015
ROLE AND KEY
FIGURES 2015
Release: June 2016
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L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
FRANCE’S LARGEST
PENSION SCHEME
LEGAL FRAMEWORK
France’s pay-as-you-go pension system was founded in 1945 and
operates on the principle of solidarity between the generations.
The pension contributions paid into the system by
workers and employers finance the pensions paid out
to retirees each month. Through their contrib-utions,
workers accrue pension rights, entitling them to
claim a pension when they retire. Their pensions will
be financed by the contributions paid in by a future
generation of workers.
The national pension office – Caisse nationale
d’assurance vieillesse (CNAV) – manages the
retirement insurance section of the social security
general scheme at national level. This is the base
pension scheme for private-sector employees in the
trading, manufacturing and service sectors, who
also pay contributions into compulsory supplementary
schemes managed by AGIRC, ARRCO and IRCANTEC.
Agricultural employees and the self-employed
(farmers, wholesale and retail traders, service
providers, and professionals) pay into industryspecific pension schemes. There are also specific
schemes for other categories of employees (chiefly
public-sector employees and employees of large
state-owned companies).
BREAKDOWN OF CONTRIBUTORS TO THE MAIN BASE PENSION
1.8%
1.9
2.7
Other
schemes
Farmers
Agricultural
employees
%
%
TOTAL CONTRIBUTORS (METROPOLITAN FRANCE):
PARLIAMENT AND GOVERNMENT
8.6%
8.8%
Public-sector
employees and
military personnel
Self-employed traders,
service providers and
professionals
Local
government
employees
The government introduces the necessar y
regulations to reach the targets set by the
parliament. In particular, the government sets the
annual percentage increase in pensions and the
caps on pension contributions. The ministries in
charge of social affairs and the budget have
oversight over the social security schemes. They
sign agreements on targets and management with
the national social security offices.
AGREEMENTS ON TARGETS AND
MANAGEMENT
68.4%
7.7%
The French parliament sets general guidelines for
the social security system and votes the annual social security budget.
General scheme
25.6 millions
CNAV signs multi-year agreements on targets and
management with the state. Implementation of the
agreements is governed by multi-year contracts
between CNAV and the regional pension offices.
These agreements set forth targets, operating
resources and actions to be undertaken by each of
the parties.
Source: Working contributors – French Social Security Compensation Commission, 24 November 2015
CNAV DIRECTOR
TOTAL PENSIONS PAID OUT BY THE MAIN BASE PENSION SCHEMES
4.5%
4.58%
6.30%
Other schemes
Local
government
employees
Exploitants
agricoles
9.42%
Public-sector
employees and
military personnel
10.21%
10.22%
Self-employed traders,
service providers and
professionals
TOTAL PENSIONS PAID OUT (INDIVIDUAL AND SURVIVOR’S PENSIONS, METROPOLITAN FRANCE):
54.83
%
Agricultural
employees
24.4 millions
NB: A person may be entitled to pensions from more than one base scheme.
Source: Social Security Directorate for the French Social Security Compensation Commission, 24 November 2015.
General scheme
The government appoints the director of CNAV at a
cabinet meeting, after consulting the chair of the
board of directors.
The director is tasked with the day-to-day operation
of CNAV. He therefore has overall and exclusive
responsibility for staffing. He organizes work, drafts
budgets and authorizes expenditure. He ensures
that the national office carries out its coordination
and supervisory roles in relation to the regional
offices, principally through the multi-year
management contracts.
CNAV BOARD OF
DIRECTORS
The board of directors of CNAV elects a
chair and a vice-chair for five-year
terms. The board consists of:
30 members with voting rights
> 13 r epresentatives of social
security insurees
> 13 representatives of employers
> 4 people qualified in CNAV’s areas
of expertise appointed by the state
4 consultative members
> 1 représentative of Unaf
> 3 représentatives of personnel
The board approves CNAV’s financial
statements and budget; outlines social
action policies for general-scheme
retirees; and issues opinions on draft
laws and decrees that could affect
pensions. The board can also propose any
measure it considers appropriate.
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L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
OUR ROLES
KEEPING RECORDS OF EMPLOYEES’
EMPLOYMENT HISTORIES
As soon as someone starts working in France, an
individual retirement insurance account is opened
in his/her name. The details of salaries and
contributions are added to the account every year
based on the information contained in the social
security declarations filed by employers.
The retirement insurance section of the general
scheme managed 75.2 million employment history
records in 2015.
PROVIDING ASSISTANCE TO
EMPLOYERS
Through its network of regional offices, CNAV is
expanding the services it provides to employers.
Through direct contacts and information meetings,
CNAV keeps employers informed of developments
that affect their employees, supports them in
implementing measures to facilitate employment of
senior workers, an advises them on social security
declarations.
HELPING INSUREES PREPARE FOR
RETIREMENT
Employees can view their employment history
records free of charge at any time on www.
lassuranceretraite.fr. The employment history
record is an itemized account of all of the employee’s
salaries on which contributions were levied, and the
number of quarters accrued towards a pension, as
well as equivalent periods such as unemployment,
disability or sick leave. The employment history
record contains the information used to calculate
the employee’s pension when he/she retires.
Employees can find answers to all their questions
about their retirement pensions on w w w.
lassuranceretraite.fr. As well as viewing their
employment history records, they can:
view an estimate of their future pension (employees
aged 54 and over),
find out the mandatory retirement age that applies
to them,
apply for a pension online,
find answers to their questions via the extensive
FAQ.
To help insurees prepare for retirement, CNAV and
the regional offices offer guidance ahead of time
through face-to-face appointments at their 257
reception centres. The regional offices encourage
future retirees to be ready for retirement by sending
in their applications for a pension four to six months
before their planned retirement date.
ENSURING TIMELY PAYMENT
Through diligent management of employees’ files,
the retirement insurance section of the general
scheme ensures a smooth transition to retirement
for insurees.
The average timeframe for processing an application
for a pension is currently 18 days. Pensions are paid
out on a monthly basis.
A file is kept on every insuree throughout their
retirement, so that any changes in status or new
rights can be taken into account. Retirees can
access a range of services on the www.
lassuranceretraite.fr website, including payment
receipts, tax statements, and viewing payments.
SUPPORTING VULNERABLE
RETIREES
major role in designing tools and techniques for
simulation and forecasting.
The retirement insurance section of the general
scheme also has a diversified social action policy
for insurees of all pension schemes to help elderly
people cope with the impact of ageing and reduced
autonomy. In 2015, 312,120 retirees benefited from
individual assistance to enable them to continue
living at home.
CNAV staff work closely with French government
departments to draft the annual social security
budget, as well as legislation and regulations
relating to pensions. They also contribute to
forecasts by France’s Pensions Advisory Council.
The social action policy is aimed at enabling elderly
people to continue living in their own homes through
individual assistance (individual assessment and
action plans, carers, housing grants, assistance
with returning home after a stay in hospital). It also
produces guides and has a dedicated website,
www.pourbienvieillir.fr.
The retirement insurance section also funds the
construction, refurbishment and fitting out of
elder-care facilities, as well as modifications to
individual homes to enable people to remain living
in their own homes.
RECOGNISED STATISTICAL AND LEGAL
EXPERTISE
CNAV is actively involved in technical and financial
evaluations of the French pension system in the
short, medium and long term. As the operator of
the largest base pension scheme, CNAV plays a
To publicise its work, CNAV posts a quarterly
electronic newsletter called Cadr’@ge, and has a
website dedicated to studies, research and
statistics. CNAV also publishes studies and
analyses by pension experts, researchers and
academics in its journal Retraite et société, which
addresses economic, demographic, sociological,
statistical, legal and other aspects of retirement
and pensions.
INTERNATIONAL RELATIONS
To assist other countries with their need for expertise
in social security, and particularly pensions, CNAV
has a pool of experts for consultation. CNAV also has
partnerships with its counterpart organisations in
other countries to facilitate the formalities for
French retirees who live abroad (for example,
certificates of existence).
CNAV also has opportunities to share experiences
and promote the French model of social security
when it hosts foreign delegations in France.
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L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
L’ASSURANCE RETRAITE / ROLE AND KEY FIGURES 2015
KEY FIGURES
OUR NETWORK
(at 31 December 2015)
310 120
beneficiaries of individual assistance to continue
living at home, including 204,305 beneficiaries
of personalised action plans
3.3
million views of employment history records on
www.lassuranceretraite.fr
13.9 17.5 110.6 75.2
12 965
314.1 90%
million retirees
million contributors
billion paid out in retirement
pensions in more than 150 countries
staff working
to serve
pensions
million
employment
history
records
managed
of new retirees
satisfied with the
services provided
million in
deficit
Pensions are managed by regional Retirement
Insurance and Occupational Health Offices (CARSAT)
in metropolitan France, General Social Security
Offices (CGSS) in the overseas départements, and
the Social Security Office (CSS) in Mayotte. In addition
to its national coordination role, CNAV directly
manages pensions in Île-de-France.
The retirement insurance section of the general
scheme has assigned trained staff to the regional
offices to facilitate relations with pension
organisations in other countries that have a social
security agreement with France or that come under
EU regulations. Each regional office is thus equipped
to process the files of insurees who live or have lived
in France and in one or more of these other countries.
Together, these organisations make up the
retirement insurance section of France’s social
security general scheme.
CARSAT
Nord-Picardie
FINANCIAL RESULTS
The retirement insurance section of the general
scheme received more than €121.5 billion in
revenue, 61.9% of which came from pension
contributions paid in by insurees and employers.
Expenditure totalled almost €121.8 billion, almost
91% of which consisted of benefits paid out
(retirement and survivor’s pensions and social
action).
0.52 %
0.86%
Other
revenue
Write-backs
from provisions
Contributions
paid by the state
17 branches
4 reception centres
CARSAT
Bretagne
35 branches
32 reception centres
14 branches
17 reception centres
13 branches
44 reception centres
61.89%
11.96%
6.06%
CARSAT
Alsace-Moselle
CNAV
Île-de-France
CARSAT
Pays de la Loire
RETIREMENT INSURANCE REVENUE IN 2015
0.24%
25 branches
CARSAT
Normandie
10 branches
27 reception centres
CARSAT
Nord-Est
13 branches
1 Reception centre
CARSAT
Centre-Val de Loire
13 branches
38 reception centres
CARSAT Bourgogne
& Franche-Comté
18.47
%
14 branches
CARSAT
Centre-Ouest
Allocated taxes
Transfers
Contribution from the
old-age solidarity fund
10 branches
15 reception centres
Social security
contributions
CARSAT
Auvergne
7 branches
29 reception centres
121.5 billion euros in revenue
CARSAT
Rhône-Alpes
15 branches
53 reception centres
CARSAT
Aquitaine
14 branches
43 reception centres
CARSAT
Midi-Pyrénées
RETIREMENT INSURANCE EXPENDITURE IN 2015
0.28%
0.51%
0.60%
1.08%
Social
benefits
Other
expenditure
Provisions
Overheads
121.8 billion euros in expenditure
* In 2015, payments to electricity and gas utilities were included in «transfers».
90.8%
12 branches
29 reception centres
Transfers
Pensions
(compensatory transfers,
transfers to special schemes)
(retirement and survivor’s)
CGSS1
Guadeloupe
3 branches
8 reception centres
CARSAT
Languedoc-Roussillon
20 branches
10 reception centres
11 branches
24 reception centres
Branches in metropolitan France: 243
Reception centres in metropolitan France: 366
Branches in CGSS/CSS: 14
Reception centres in CGSS: 17
6.73% *
CARSAT
Sud-Est
CGSS1
Guyane
1 agence
3 reception centres
1 General Social Security Office
2 Social Security Office
CGSS1
Martinique
3 branches
6 reception centres
CGSS1
Réunion
5 branches
CSS2
Mayotte
2 branches
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2015
RAPPORT
NATIONAL
D’ACTIVITÉ
Every year, CNAV publishes a
national report, as well as three
thematic reports.
2015
RAPPORT
ACTION SOCIALE
2015
RAPPORT
ÎLE-DE-FRANCE
Édition juin 2016
Édition septembre 2016
2015
RAPPORT DE
RESPONSABILITÉ
SOCIALE
Édition novembre 2016
Édition septembre 2015
Release: July 2016
Release: September 2016
Caisse nationale d’assurance vieillesse
110 avenue de Flandre
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Release: October 2016
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Ref. 10002 – 06/2016 Supervision and coordination: CNAV, Communications Directorate Design and layout: PCA/PARIMAGE
Release: June 2016
Photo credits: Patrick Sagnes – à compléter - Cover image: Clément Chené, Directorate for Service Provision, Materials and Unit Coordination - Printed by: CNAV
Édition juin 2016