Assurance Retraite - CNAV

Assurance retraite, France’s largest pension scheme. The Assurance retraite is the old-age insurance branch of the general (public) social security scheme in France is. This is the basic old-age pension scheme for private sector employees, managed by the National Old-Age Insurance Fund - Caisse nationale d’assurance vieillesse (Cnav). Founded in 1945, the Assurance retraite is a pay-as-you-go scheme which means that workers and employers finance the pensions paid out each month to the retirees of today. Through their contributions, workers accrue personal pension rights entitling them to claim a pension when they retire.

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