crazyfrog wrote:Hi I've just had two letters from CIPAV in the last week. The first saying that they want 2800 of me this year, the first 1500 due mid-april (pension) The 2nd letter saying that at present, with my 4-points, my pension will be .... 24euro a year.
Someone's having a laugh, surely?
I believe it should be possible for you to convert to the micro social (autoentrepreneur as near as dammit) regime at the end of the year. This is new because CIPAV originally wouldn't countenance it. I don't know whether this would help your particular situation.
By the way, without knowing your age it's hard to comment on your pension prospects. Did I miss something?
Edit: just found the reference.
Have a look here:
The significant bits are:
Le statut d’auto-entrepreneur n’était ouvert au 1er Janvier 2009 qu’aux seuls créateurs d’entreprise. La Loi de financement de la sécurité sociale pour 2010 ouvre la possibilité à tous les professionnels libéraux affiliés au 31 Décembre 2009 à la CIPAV d’opter pour le régime Micro-social simplifié (ou régime auto-entrepreneur), quelle que soit la date de création de l’entreprise.
Si vous optez pour ce nouveau régime, vos cotisations seront calculées sur 100% de votre chiffre d’affaires, auxquels sera appliqué un taux de prélèvement global de cotisations de 18,3%.
Si vous souhaitez être inscrit dès 2010 comme auto-entrepreneur, la loi vous permet d’exercer votre droit d’option, à titre exceptionnel, jusqu’au 28 février 2010. À cet effet, un formulaire spécifique pour les personnes déjà affiliées à la CIPAV sera prochainement mis en ligne sur le portail de l’auto-entrepreneur.
Vous n’avez aucune démarche à effectuer auprès de la CIPAV et vous ne devez pas vous radier. Si vous avez l’intention de choisir le régime social simplifié pour l’année 2010, vous ne devez pas tenir compte du pré-appel des cotisations de l’année 2010 que vous avez reçu. Toutefois, vous resterez redevable en 2010 de la régularisation des cotisations de l’année 2008.
I've just had two letters from CIPAV in the last week.
The first saying that they want 2800 of me this year, the first 1500 due mid-april (pension)
The 2nd letter saying that at present, with my 4-points, my pension will be .... 24euro a year.
As I'm not going to be able to work into my 90's, is there any way I can get this amount to pay reduced? or, by investing 3k a year into the pension will I eventually get something back when I retire..... if I live that long.
It seems a huge imbalance at the moment. It always seems a huge amount when you get a demand for that amount in one go.
Is there something I can do about this? I didn't earn near the maximum for the BNC last year.
Zara, what they've done is effectively what should happen anyway. When you declare your income (on your DCR) the amount for the calculation of cotisations is reduced by one of the amounts you mentioned (34, 71 and I thnk perhaps there are others). The calculation should only ever be on the reduced amount and yes is around 8% for tranche 1Cipav. Hopefully this year it will be more straight forward for you although it usually takes a couple of years for things to sort themselves out.
Would be interesting to know crazy frog what percentage of your income the 2800 is. I just dug out my old recoirds and can see that I had a similar total figure made up of 1495.00 which was 8.6% for what they refer to as Tranche 1 assurance veillesse and then a second charge of 924.00 euros for retraite complimentaire. The form then allowed me to send back to them if I wished to apply for a reduction of the complimentaire part based on my income. I did this by stating my net income (after the reduction of 34% in my case), they then reduced the 924.00 to 231.00 which is a bit better and this is what I paid in the second payment in October so total was 1772.00.
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