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Retirement & Pension:
Prepare your future with Linkao

Umbrella company employment lets you grow your activity with full autonomy without sacrificing your retirement. Unlike other independent statuses, you contribute like a regular employee.

The principle

01

You contribute to the general pension scheme

02

You validate pension quarters

03

You accumulate supplementary pension points

You benefit from the same system as a standard employee.

Pension contributions

Basic pension

Quarter validation
Calculation based on your earnings

Supplementary pension

Points accrual (AGIRC-ARRCO)
Increase in your future pension

The more you invoice, the more you contribute, the higher your pension.

Validating quarters

To validate 1 quarter, you must reach a minimum earnings threshold.

Up to 4 quarters per year

Based on your gross salary

Even with part-time activity, you can validate entitlements.

Pension calculation

Your pension depends on:

Your umbrella company earningsYour contribution periodYour retirement age

Umbrella company vs other statuses

Umbrella company

Full contributions (general scheme)

Up to 4 validated quarters/year

Supplementary pension (AGIRC-ARRCO)

Better final pension

Rights preserved between missions

Freelance / Self-employed

Reduced contributions (SSI)

Limited quarters based on income

No automatic supplementary pension

Often lower pension

Depends on activity

Optimize your retirement with Linkao

Increase your revenue

More income = more contributions = higher pension.

Regular activity

Continuous quarter validation protects your entitlements.

Plan your strategy

Personalized LINKAO support for your retirement goals.

Points to watch

Low earnings = limited entitlements

Irregular activity = missing quarters

Good management is essential

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Frequently asked
questions

Can't find what you're looking for? Contact us at contact@linkao.fr and our team will be happy to help.

Yes. As a Linkao employee you contribute to the general pension scheme and to the AGIRC-ARRCO supplementary scheme, exactly like any salaried employee.

Contributions are calculated on your gross salary, which itself derives from the revenue you invoice through Linkao. They appear line by line on your payslip.

Up to 4 quarters per year — the legal maximum — as long as your cumulative gross salary reaches the yearly thresholds set by the pension scheme.

Your future pension combines the general scheme (based on your best-earning years and validated quarters) and the points you accumulate with AGIRC-ARRCO.

Generally yes: you contribute at the full employee rate, so you build stronger pension rights than most self-employed statuses with reduced contributions.

Your rights are preserved between missions. Quarters simply accrue with your earnings — irregular months mean slower accrual, never lost entitlements.

Yes — invoicing more, keeping your activity regular, and planning with your Linkao advisor all increase your validated quarters and pension points.

For retirement specifically, yes: unlike SSI-based statuses, you get full general-scheme contributions plus automatic supplementary pension points.