{"id":7590,"date":"2025-10-24T13:30:56","date_gmt":"2025-10-24T12:30:56","guid":{"rendered":"https:\/\/recette.msh-intl.com\/?page_id=7590"},"modified":"2025-12-18T10:09:24","modified_gmt":"2025-12-18T09:09:24","slug":"retirement-abroad","status":"publish","type":"page","link":"https:\/\/recette.msh-intl.com\/en\/retirement-abroad\/","title":{"rendered":"Retirement abroad"},"content":{"rendered":"
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Individuals<\/p>\n

Retirement assessments – International careers for expatriates<\/h1>\n

Moving abroad for a year or more? How will this affect your retirement? What strategies should you consider to ensure a smooth transition? We answer all your questions about retiring abroad before, during, and after your move.<\/p>\n<\/p><\/div>Contact us<\/span><\/a>

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I am moving abroad for a year or more, alone or with my family: I need to know how this will affect my pension rights.<\/span><\/h2>\n<\/p><\/div>

Are you or have you been expatriated by your employer to a subsidiary abroad, or have you moved to another country during your career? You need to assess the consequences and benefits of voluntary contributions for you and your spouse. This will have a significant impact on your retirement.<\/p>\n<\/p><\/div>

What are the implications of moving abroad to retire internationally?<\/h3>\n

I have worked abroad for many years: how will these periods be taken into account when calculating my pensions (French or foreign)? Is it in my interest to make voluntary contributions to the French pension scheme? Can I combine my entitlements?<\/p>\n

Our international pension experts can answer all these questions and more. With their help, you can determine the most relevant and profitable options for you and\/or your employer.<\/p>\n<\/p><\/div>[\/vc_column][\/vc_row][vc_row pix_particles_check=”” el_id=”nos-valeurs” el_class=”landing-parledenous”][vc_column]

Which product is right for me?<\/span><\/h2>\n<\/p><\/div>

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Our support<\/h3>\n

Working with you to identify your specific needs and determine the types of services that are right for you.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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Retirement interview<\/h3>\n

Enable you to discuss all matters relating to your retirement with comprehensive answers tailored to your specific situation with one of our experts.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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Retirement assessment<\/h3>\n

A personalized study to give you visibility on your retirement conditions and simulate your future French and foreign entitlements based on your career.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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Retirement procedures<\/h3>\n

Advise you on putting together your application, submitting it to the relevant funds, and communicating with them to ensure it is processed correctly.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div><\/div>[\/vc_column][\/vc_row][vc_row pix_particles_check=”” el_id=”faq_accordion” el_class=”faq-landing bg-white”][vc_column el_class=”faq-landing-style”][vc_column_text css=””]\r\n

Do you still have questions?<\/span><\/h2>\r\n

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\n What is an international retreat?<\/span>\n \n \n \n \n <\/svg>\n\n\n\n\n \n \n <\/svg>\n <\/span>\n <\/div>\n\n
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An international pension is the retirement pension of a person who has worked in several countries during his or her career. It is based on specific rules and agreements between the countries concerned. This pension may be made up of several pensions paid by different schemes.<\/p>\n

The main scenarios :
\n– If you have worked in the EU\/EEA or Switzerland, European regulations mean that each country where you have paid contributions will pay you a pension proportional to your length of contribution. Each country applies its own calculation rules and pays the corresponding pension. These periods may be taken into account when calculating your French pension.
\n– You have worked in a country with which France has a bilateral agreement (USA, Canada, Morocco, Algeria…). Agreements signed between France and these countries allow periods of contributions abroad to be taken into account.
\n– If you have worked in a country with which France has no agreement, the periods worked will not be taken into account when calculating your French pension.<\/p>\n

Please note that periods abroad will be assessed by the French pension fund to determine the total amount of entitlements.<\/p>\n

In all these cases, there are levers for optimization.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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\n Should I arrange coverage for my spouse?<\/span>\n \n \n \n \n <\/svg>\n\n\n\n\n \n \n <\/svg>\n <\/span>\n <\/div>\n\n
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When you are in a couple, it is not uncommon for the spouse to be forced to leave their job in France. There are also options for voluntary contributions for your spouse under certain conditions. You could contribute as a dependent to the CFE Vieillesse (French Social Security Fund for Old Age). The choice and suitability of this contribution will depend on your individual circumstances.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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\n How to calculate your French pension when you have worked abroad?<\/span>\n \n \n \n \n <\/svg>\n\n\n\n\n \n \n <\/svg>\n <\/span>\n <\/div>\n\n
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Calculating your French pension after working abroad depends on several factors, including the country or countries where you worked, the social security agreements between France and the country or countries concerned, and the pension schemes to which you contributed. Here is a brief overview of the main steps to follow:<\/p>\n

\u2013 Determine if the country or countries have a social security agreement with France<\/p>\n

\u2013 Request your pension statement from France<\/p>\n

\u2013 Verify that periods worked abroad are taken into account<\/p>\n

\u2013 Have your pension calculated, taking into account your international career<\/p>\n

\u2013 Submit your pension application to the appropriate contact person<\/p>\n

\u2013 Find out about the specific tax implications<\/p>\n <\/div>\n <\/div>\n <\/div>\n

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\n What is a Retirement Assessment?<\/span>\n \n \n \n \n <\/svg>\n\n\n\n\n \n \n <\/svg>\n <\/span>\n <\/div>\n\n
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A Retirement Assessment is an individual study that provides simple answers to 4 major questions:<\/p>\n