Discover how the Autonomous Pension Fund for Nurses, Physiotherapists, Podiatrists, Speech Therapists and Orthoptists works, a special / autonomous scheme scheme managed by CARPIMKO. Contribution rates, calculation rules and eligible professions.
Scheme type
Special / autonomous scheme
Legal retirement age
64 years
Average pension
€780/month
Total
13.10%
The pension scheme for self-employed allied health professionals (nurses, physiotherapists, speech therapists...).
Managing organization
CARPIMKO
Year founded
1948
Calculation method
Points-based system
Full pension age
67 years
Full pension quarters
172
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Self-employed | 8.23% | 1 PASS | Base scheme contribution |
| Self-employed | 3% | — | Flat rate supplementary contribution |
| Self-employed | 1.87% | — | ASV proportional contribution |
| Total | Self-employed: 13.10% | ||
PASS 2024: 46 368 € (3 864 €/month)
Old Age Social Benefit (ASV)
Additional scheme for sector 1 practitioners, partly funded by Health Insurance.
First year flat rate
Reduced contributions in the first years of practice.
Self-employed nurses, physiotherapists, podiatrists, speech therapists, orthoptists.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under CARPIMKO with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from CARPIMKO. The calculation example uses URSSAF rates and a 6% yield (inflation-adjusted). Actual amounts may vary based on your personal situation.
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