> The french system normally pays based on a 25 year average pay (inflation adjusted)?Using most recent (highest paid) 6 months is not the same or standard. I’

> The french system normally pays based on a 25 year average pay (inflation adjusted)?Using most recent (highest paid) 6 months is not the same or standard. I’m not sure “normally” is the right word here. The system in France is rather complicated. SNCF workers aren’t the only ones whose pension uses the last six months of income to determine the amount of the pension payment. Under the current system: Private sector salaried workers receive one pension where the calculation is based on their highest earning 25 years (adjusted for inflation). The calculation also takes into account the number of years worked in the private salaried worker sector. These workers may, depending on their job, also receive a second pension where the amount received is based on total points earned over all years worked (AGIRC - ARRCO). Public sector workers receive a pension where the calculation is based on their last six months of earnings, as well as the number of years they worked in the public sector. Self-employed workers pay into yet a number of different systems. I’m not familiar with all them, but many are based on total points earned over the years of contribution. Finally, it’s possible for someone who’s worked at different times as a private salaried worker, a public sector worker, and a self-employed worker, to collect pensions from all the different sources.