Money. Who can benefit from a personal prevention account?

Initially called the personal work hardship account during its long implementation between January ^1, 2015 and January ¹ , 2017, the professional prevention account (C2P) is a system aimed at reducing the effects of employees' exposure to certain risks linked to their professional activity.

Through it, these employees are likely to change jobs, shorten their working hours or bring forward their retirement.

While ten risk factors were initially planned, only six have been maintained since October ^1, 2017.

They therefore concern employees exposed to noise, extreme temperatures, working in a hyperbaric environment (scuba diving), at night, in successive alternating teams or performing repetitive movements; these different risk factors are also determined by thresholds.

Employees must also be employed by private companies or under private law conditions, be affiliated with the general social security scheme or the MSA and have an employment contract of at least one month.

The C2P is organized according to a system of points obtained in relation to the duration of exposure to risk. Since September ^1, 2023, one point is awarded per exposure factor every quarter.

An employee who works for the company year-round earns a minimum of four points. What's more, points accumulate as risk factors accumulate.

The points are transferred to the employee's account once a year and remain acquired until they are fully used or until the employee retires.

The first 20 points earned in a C2P must be used for training (except in the case of professional retraining). Each point entitles you to 25 hours of training.

To finance long-term training, it is also possible to transfer points to your personal training account, knowing that each point is equivalent to €500.

Another permitted use: switching to part-time work without loss of pay. Ten points finance part-time work for four months, with a limited number of expendable points of 80 before the age of 60.

It is thus possible, at the end of one's career, to work part-time for 32 months while receiving a full salary. Finally, the points earned can buy retirement quarters: 10 points are worth one quarter and a maximum of eight quarters can be validated, allowing one to retire before the legal age.