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The pension
and survivor's scheme
CNRPS handles:
 management
of retirement pensions and survivor's pensions.
management
of family allowances,
payment
of death benfit.
 Contributions
The retirement and survivor's pensions scheme is financed
by an overall contribution of 19,70% of the payment of
every working member, divided between the employee and
his employer, as follows:
8,20
% paid by the employee,
11,50 % paid by the employing body.
OBTAINING
A PENSION:
The right to a retirement pension is acquired:
at
the age of 60 for all civil servants.
at
the age of 55 for the staff in the "active"
sector and workers in hard, insalubrious jobs.
before
these two ages, the right to the pension is acquired:
in
case of disability.
at
the member's request, after agreement by the Prime Minister's
office.
on
the employer's decision to axe jobs, or in cases of
unsuitable qualification or revocation of the employee.
on
the request of mothers with at least three children
aged less than 20 or a seriously handicapped child,
after agreement by the Prime Minister's office.
PENSION
PAYMENT BASIS:
The pension is paid according to the annual rates fixed
at:
2%
for each year of the first ten years
3%
for each year of the following ten years
2%
for each year of the third and fourth decades.
The retirement pension cannot exceed 90% of the salary
on which the pension is paid.
A - THE SURVIVING SPOUSE'S PENSION
The surviving spouse is entitled to a pension
equal to 75% of the deceased partner's retirement pension
or what he/she would have received if he/she had been
working at the date of his/her death.
This rate can decrease reaching 50% when there are dependent
children.
B - ORPHAN'S TEMPORARY PENSIONS
This pension is paid to:
dependent
orphans until they reach the age of 21.
orphans
of any age with an incurable disease or permanent handicap
which prevents them from earning a living.
orphans
pursuing their higher education until the age of 25,
provided that they are not scholarship holders.
unmarried
female orphans without any means, whatever their age
is.
divorced
female orphans without means when their husbands are
not obliged to pay alimony.
CALCULATING
ORPHANS' TEMPORARY PENSIONS
Each
orphan is entitled to receive a pension equal to 10%
of the retirement pension paid to the pensioner or what
he/she would have received at the time of his/her death.
If
there are more than five orphans, the temporary pension
is divided equally between them, but the overall sum
must not exceed half of the retirement pension the pensioner
had obatained or which he/she would have received at
the time of his/her death.
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Death-Benefit
scheme
The death-benefit is an indemnity granted by the CNRPS
to the claimants of the deceased member.
CONTRIBUTIONS
Contributions are set at 1% of the overall payment submitted
for deductions for working members in activity and 0.5%
of the gross pension product for those members who have
a pension.
WHO
CAN RECEIVE DEATH-BENEFIT ?
The CNRPS allocates death-benefit to:
non-divorced
partners of deceased members.
the
pensioner's dependent children for whom he/she is
responsible at the time of his/her death as long
as they are not over years of age, or 20 years for
children attending a public or a recognized private
establishment.
handicapped
children absolutely unable to take paid work.
dependent
ascendants. |
MODES
OF DISTRIBUTING DEATH-BENEFIT
The death-benefit is paid:
1/3
to the non-divorced partner of the deceased member
and 2/3 shared equally between the dependent children.
the
entire sum of the death-benefit is paid to the non-divorced
partner if there are no children,
the
entire sum of the death-benefit is shared equally
between the children if the non-divorced partner
of the deceased member is absent.
if
there are neither partner nor children, the death-capital
is allocated equally between the dependent ascendants.
the
death-benefit is paid in totality to only one ascendant,
if one of them is not a dependent of the deceased
member. |
HOW
TO CALCULATE THE DEATH-BENEFIT
The death-benefit is made up of the following
elements:
the sum of the annual payment used as a base
for paying the retirement pension.
the
payment of one month of service for each year
accomplished by the deceased member within a
limit of 18 months of salary.
It is important to note that each period of
effective service under 6 months is not taken
into consideration. On the contrary, the periods
of effective service over 6 months count for
one year.
The
overall amount obtained is increased by 10%
for each dependent child.
The amount of the death-benefit is doubled when
the death has been caused by an accident at
work or a traffic accident. |
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