Agirc-Arrco

Agirc-Arrco is a key pillar of the French retirement system, managing the mandatory supplementary pensions for over 60 million people, including active employees, retirees, and their beneficiaries. It operates on a pay-as-you-go and points-based system. The organization is jointly managed by France's employer and trade union organizations (the "social partners"). Its primary missions are to collect pension contributions from companies and employees, calculate and manage pension rights, and pay out pensions to retirees. Beyond pensions, it also provides social support services to its members, particularly those facing difficulties. The current Agirc-Arrco entity was formed on January 1, 2019, from the merger of the Agirc (for managers) and Arrco (for all employees) schemes.