The transition to retirement represents a major turning point for healthcare professionals, particularly dentists and midwives. To support them during this stage, the autonomous pension funds offer a range of services tailored to their specific needs. These services include personalized advice, workshops on wealth management, information on retirement rights, and the impact of departure on income. These initiatives are designed to ensure a smooth transition, allowing professionals to prepare calmly both financially and psychologically.
CARCDSFs
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The retirement preparation services offered by autonomous pension funds
At the heart of the concerns of healthcare professionals nearing the end of their careers, retirement preparation services take on a strategic dimension. For dentists and midwives, the Autonomous Pension Fund for Dentists and Midwives (CARCDSFs) serves as a key interlocutor. It offers a set of measures related to contributions, complementary retirement, and the rights that stem from them.
The contributions, cornerstones of the system, are divided into a flat-rate contribution and a proportional contribution, which reached amounts of €26,940.40 and a rate of 10.65% respectively in 2020. These contributions guarantee the payment of a complementary pension whose amount is closely linked to the number of points accumulated by contributors.
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The CARCDSFs is not limited to managing contributions. It precisely defines the conditions for retirement, requiring affiliates to have contributed for at least one year and to have reached the full retirement age. These conditions are essential for determining the amount of the pension, equivalent to the number of points acquired multiplied by their value.
In terms of solidarity, the CARCDSFs ensures the continuity of financial support through the survivor’s pension, corresponding to 60% of the deceased’s pension. This benefit underscores the fund’s commitment to the social protection of its members. The fund’s policy allows for a combination of work and retirement, under certain conditions, thus enabling the blending of work income and pension receipt in a framework of gradual and secure transition.
The transition modalities to retirement for dentists and midwives
The transition to retirement is a fundamental step in the career of any professional, and dentists as well as midwives are subject to it. They contribute to the National Old Age Insurance Fund for Liberal Professions (CNAVPL) and benefit from an autonomous complementary scheme with the Autonomous Pension Fund for Dentists and Midwives (CARCDSF). Additionally, there is a supplementary scheme through the Life Managers’ Insurance (PCV), providing broader coverage.
Unions, such as the Council of Dentists of France (CDF) and the Federation of Liberal Dental Unions (FSDL), play a role in monitoring and support, particularly in the face of major reforms like the universal retirement system, which, if implemented, would consolidate all current retirement schemes. The caution of the CDF and the vigilance of the FSDL regarding financial reserves are essential safeguards in this context of transformation.
The Covid-19 pandemic also had a considerable impact, affecting not only public health but also economic conditions. This crisis hit dentists hard, leading to a slowdown in activities and, consequently, uncertainties regarding the sustainability of retirement schemes. The universal retirement system, which aimed to simplify the retirement landscape in France, has been put on hold due to the epidemic, delaying any debate about its future.
In light of this situation, dentists and midwives must navigate with discernment. The legal retirement age remains a crucial factor, setting the limit from which retirement pension rights can be fully exercised. Social security and the pension funds specific to liberal professions remain pillars in the construction of this transition to a new stage of life, requiring foresight and planning to ensure a smooth transition to retirement.