October, retirement

Illustration: François Ravard

© ADAGP, Paris, 2022

"Mr. Pinpin, I already told you to stop drawing on the walls of the nursing home!" 

"Huh!? What are you doing in my studio?!"
 

As an author of comics or graphic novels, if your income reaches a threshold of affiliation (9,135 € for 2021), you are obligated to contribute to the RAAP (Régime de retraite des Artistes et Auteurs Professionnels), a pension plan shared by all artist-authors that receive royalties. 

In 2021, the contribution rate to the RAAP was 8% of the tax base. You can nonetheless opt for the reduced, derogatory rate of 4% if your tax base is between 9,135 € and 27,405 € (in 2021). If you wish to opt for this rate, think about doing during the "pre-appel" contribution campaign, via your Member Space, in the box "Estimation of your contribution RAAP 2021". 

If your income as an author doesn't reach the threshold of affiliation, you are on principle exempted from contributing to the RAAP, but you can choose to contribute voluntarily to acquire points. 

The pension works according to a point system. An amount of contribution paid by the author corresponds to a number of acquired points.

The annual amount received during retirement is equal to the number of points acquired, multiplied by the value of the point (this value is revised every year: 8.62 € in 2021). 

Please note: 
For retired artist-authors, the supplementary retirement pension paid by Ircec is added to the basic retirement pension.