Introduction
In a recent announcement, the Autonomous Pension Fund for Doctors in France (CARMF) has declared its readiness to grant additional rights to doctors who are combining employment with retirement. This decision marks a significant development for medical professionals who have long awaited such changes.
New Rights for Doctors in Employment-Retirement Combination
The CARMF’s Board of Directors has recently voted in favor of granting new rights within the supplementary pension scheme for doctors who are simultaneously retired and engaged in liberal practice. These rights are in addition to those already acquired under the basic pension scheme. The CARMF explained that this decision is facilitated by the anticipated improvement in the demographic situation of the supplementary scheme and the reform of the social contribution base.
Impact of Social Security Financing Law
The Social Security Financing Law for 2024 has significantly altered the social contribution base for self-employed workers, particularly affecting doctors. Previously, contributions were calculated solely on non-commercial profits (BNC). Now, the base includes BNC plus social contributions, after a 26% deduction, capped at 1.3 times the social security ceiling. This reform is expected to benefit the CARMF through increased retirement contributions, although it imposes a 5% surplus on contributions for doctors in sector 2.
Financial Implications for Doctors
According to the Federation of Doctors of France, there will be a 0.5% increase in the basic retirement contribution, averaging an additional 235 euros per doctor. Furthermore, a second increase of approximately 1.8% is anticipated, though the distribution between the supplementary scheme and the ASV (with two-thirds paid by CNAM for sector 1 doctors) is yet to be determined. Despite these increases, the surplus in contributions will enable the provision of new rights for doctors in employment-retirement combinations.
Restrictions and Future Approvals
The CARMF has noted that the exemption from social contributions for doctors in employment-retirement combinations in 2025 is limited to those practicing in priority intervention zones. This limitation helps manage the budgetary impact on the CARMF. However, the granting of these new rights still requires government approval. The precise mechanism for awarding these rights has not been detailed, but the CARMF has indicated that doctors in such combinations will be able to acquire retirement points starting in 2027, with the first liquidations possible in 2028, pending state validation.
Potential Challenges and Adjustments
The announcement comes amid discussions on the Social Security Financing Bill for 2026, which includes measures to restrict the benefits of employment-retirement combinations. Between the ages of 64 and 67, such combinations are expected to be partial. However, these measures may evolve, as the Minister of Health, Stéphanie Rist, has indicated that the rules will be adapted to better accommodate professionals in under-dense areas.
Conclusion
The new rights granted by the CARMF are unlikely to compensate for the losses faced by doctors aged 64 to 67. These rights will only apply to doctors retiring at full rate, regardless of the number of quarters, at the age of 67. The ongoing discussions and potential adjustments highlight the complexity of balancing financial sustainability with the needs of medical professionals.
🔗 **Fuente:** https://francais.medscape.com/viewarticle/cumul-emploi-retraite-carmf-va-accorder-nouveaux-2026a10001pe