What Carsat Pays de la Loire does

Carsat Pays de la Loire is a regional branch of the French national social security system, operating under the authority of the Caisse nationale de l'Assurance retraite (Cnav) and the French Social Security Code (art. L.224-3 CSS). Headquartered in Nantes at 2 Place de Bretagne, the institution serves the Pays de la Loire region across five departments (Loire-Atlantique, Maine-et-Loire, Mayenne, Sarthe, Vendée), administering statutory retirement pensions, reversion pensions, ASPA means-tested benefits, occupational health and safety services, and social action programs for vulnerable retirees. In 2025, it paid 9.78 billion euros in total benefits, including 9.4 billion euros in retirement pensions, to 849,070 retirees monthly, while managing 110,907 establishments covering 1,180,899 employees and processing 52,833 work accidents and 1,714 occupational illnesses.

The institution operates a multi-channel service model combining digital self-service portals (lassuranceretraite.fr, Mon agenda retraite, Mon espace personnel), telephone helplines (3960 and 3679), physical regional agencies, and a France services partnership network. The technology stack is built on standard web technologies (HTML5, SVG, ARIA, CSS, JavaScript) with FranceConnect for SSO and Net-entreprises for employer declarations; the website maintains 87.1% RGAA 4.1.2 accessibility compliance. Complementary offerings include the VIVA Lab innovation hub for aging-well solutions, the Open Data portal (opendata.carsat-pl.fr) publishing public statistics, the C2P (Compte Professionnel de Prévention), the ASPA online service, and recurring digital newsletters (Club R', Parlons retraite, 3 minutes, Rendez-vous Partenaires).

Carsat Pays de la Loire is funded through mandatory social security contributions from employers and employees and public budget allocations; it does not generate commercial revenue. The 953-person workforce (82% benefiting from remote working, 78.48% receiving training) is led by Director Christelle POISNEUF. The institution operates under a four-year CPOM 2025-2029 framework with regional occupational health services and partners extensively with Agirc-Arrco, MSA, France Travail, departmental councils, DREETS, SPST, and Les Restos du Cœur to coordinate retirement, prevention, and social action services across the region.

Name

Carsat Pays de la Loire

Legal name

Caisse d'Assurance Retraite et de la Santé au Travail (Carsat) Pays de la Loire

Website

https://carsat-pl.fr

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

251–500 employees

Short description

Carsat Pays de la Loire is a public social security institution serving the Pays de la Loire region, administering statutory retirement pensions, occupational health services, and social action programs for 1.18 million covered employees and 849,070 retirees through digital, telephone, and in-person channels.

Ownership category

akta.pro rank

Product category

Public Pension Administration

NAICS

Pension Funds (525110), Services for the Elderly and Persons with Disabilities (62412), Services for the Elderly and Persons with Disabilities (624120)

SIC

Services-Social Services (8300)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Income Support & Cash Assistance Programs (BPAIAKAE)

Keywords

• Retirement insurance services
• Pension administration
• Occupational health services
• Workplace risk prevention
• Social security institution

Headquarters

HQ city

Nantes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Social security contributions and public funding: Carsat PL is a public institution funded through mandatory social security contributions from employers and employees (retirement insurance, occupational health insurance). It receives allocations from the national Social Security budget and does not generate commercial revenue. The institution's primary financial outflow is the payment of retirement pensions and related social benefits.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels11 records

Core offering

Carsat Pays de la Loire is the regional branch of the French national social security system (Sécurité sociale) responsible for managing statutory retirement pensions, occupational health and safety, and social action services for residents and employers of the Pays de la Loire region (5 departments). It pays monthly retirement pensions, processes new pension and reversion applications, delivers means-tested ASPA benefits, manages workplace accident/illness contributions for enterprises, funds occupational risk prevention programs, and provides individualized social support for vulnerable retirees. All services are free at point of use and funded through mandatory social security contributions and national budget allocations.

Product overview

Carsat Pays de la Loire operates as a regional branch of the French national retirement insurance system (Assurance Retraite), providing a unified platform of public services organized around three core pillars: retirement preparation and payment services, occupational health and safety prevention, and social support for vulnerable populations. The service portfolio includes dedicated online portals for three user segments (Actif/active employees, Retraité/retirees, and Entreprise/employers), supplemented by complementary tools such as the Mon agenda retraite planning tool, the Club R' and Parlons retraite newsletters, and the national webinar program. The organization also maintains a VIVA Lab innovation hub for aging solutions, an Open Data platform for public statistics, and the C2P (Compte Professionnel de Prévention) for occupational risk management. All services integrate with national infrastructure including FranceConnect for authentication and Net-entreprises for employer declarations.

Differentiator

Problem solved

Functional benefit

Brands

• Club R': Quarterly newsletter for retirees providing calendar of payments, retirement news, regional activities, and practical tips for enjoying retirement.
• Parlons retraite
• Club'R
• Open Carsat

Products and services

• Retirement Pension Services

Quantifiable outcome

• 849,070 retirees paid monthly, with 9.78 billion € in total benefits distributed in 2025
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

13 partnerships are on record, tiered minor and core.

• URSSAF Pays de la Loire, Cpam de la Mayenne, Caf de la MayenneminorStrategic or Co-development Partner · 3 October 2025Joint celebration of 80 years of Social Security on October 3, 2025 in Mayenne, organized together with URSSAF Pays de la Loire, Cpam de la Mayenne, and Caf de la Mayenne. At this event, Carsat PL highlighted the Plan Régional d'Insertion des Travailleurs Handicapés (PRITH) for employment of people with disabilities.
• CRPPA du CHU de NantesminorStrategic or Co-development Partner · 31 August 2025Partnership with the Centre Ressource de Psychiatrie de la Personne Âgée (CRPPA) of CHU de Nantes and the Gérontopôle des Pays de la Loire to produce two educational videos on mental health in seniors — a public-oriented 18-minute video and a 5-minute essential-reflexes video. Part of the Grande cause nationale 2025 on mental health of seniors.
• Gérontopôle des Pays de la LoireminorStrategic or Co-development Partner · 31 August 2025Co-production with the Gérontopôle des Pays de la Loire of educational videos on mental health for seniors, in partnership with CRPPA du CHU de Nantes.
• France servicescoreStrategic or Co-development Partner · 10 June 2025Cooperation agreement with France services (government-supported multi-service public outlets) to facilitate access to retirement rights, anticipate complex situations, and deliver homogeneous proximity information across the territory. Carsat PL organizes training sessions for France services agents at its regional agencies (Saint-Nazaire, La Roche-sur-Yon, Angers).
• Conseil Départemental de Loire-AtlantiquecoreStrategic or Co-development Partner · 5 May 2025Joint webinar with social workers of the Loire-Atlantique Departmental Council to facilitate access to retirement rights and secure retirement procedures for vulnerable populations. 30 professionals participated. The format is planned for extension to other departmental councils in the region.
• Deutsche Rentenversicherung (German pension fund)minorStrategic or Co-development Partner · 1 April 2025International cooperation for cross-border workers. In April 2025, Carsat PL accompanied 210 insureds who worked in France and Germany through coordinated interviews between German pension advisors and Carsat/Agirc-Arrco counselors, enabling each to verify their rights, prepare retirement, and understand cross-border procedures.
• Les Restos du CœurcoreStrategic or Co-development Partner · 24 March 2025Partnership signed March 24, 2025 between Christelle Poisneuf (Director of Carsat PL) and Marie Lecointre (Regional Development Officer, Grand Ouest, Les Restos du Cœur). The agreement aims to facilitate access to and maintenance of retirement rights for people in precarious situations, promote active and healthy aging, and improve local coordination for the benefit of accompanied persons. The partnership reflects Carsat PL's commitment to social action for vulnerable populations.
• Agirc-ArrcocoreStrategic or Co-development Partner · 17 March 2025Partnership with Agirc-Arrco (complementary pension fund) for the annual Rendez-vous de la Retraite event. In March 2025, jointly organized 760 in-person and 87 telephone sessions across the region to inform, advise, and support future retirees with their retirement procedures.
• MSA (Mutualité Sociale Agricole)coreStrategic or Co-development Partner · 17 March 2025Partnership with MSA (agricultural social mutual) for the annual Rendez-vous de la Retraite event, providing joint retirement information sessions for workers in the agricultural sector.
• France TravailcoreStrategic or Co-development Partner · 18 February 2025Partnership with France Travail (public employment service) for webinars on employment-retirement topics. Co-organized a webinar on 'Accompagnement emploi-retraite : les clés après 60 ans' (February 2025) to support workers in combining employment and retirement and facilitate professional transitions near retirement age.
• DREETS Pays de la LoirecoreStrategic or Co-development Partner · 6 February 2025DREETS (Direction régionale de l'Économie, de l'Emploi, du Travail et des Solidarités) co-organized the 4th Plan Régional Santé au Travail (PRST4) restitution event with Carsat PL. DREETS coordinates with Carsat on occupational health policy, joint prevention initiatives, and the signing of CPOM (Contrats Pluriannuels d'Objectifs et de Moyens) 2025-2029 with occupational health services and the State.
• Services de Prévention et de Santé au Travail (SPST)coreStrategic or Co-development Partner · 1 January 2025Carsat PL signs CPOM 2025-2029 with all Services de Prévention et de Santé au Travail in the region and the State (DREETS), marking a major step in coordinating occupational health, early detection of work-disabled insureds, and prevention of professional disengagement (PDP). The CPOM establishes shared indicators, coordinated intervention, and joint governance in local Assurance Maladie coordination bodies.
• Décrets des Conseils Départementaux de la région Pays de la LoirecoreStrategic or Co-development Partner · 1 January 2025Deployment of the SPDA (Service Public Départemental de l'Autonomie) with all five departmental councils of the region (Loire-Atlantique, Maine-et-Loire, Mayenne, Sarthe, Vendée), in coordination with ARS and all actors concerned by elderly or disabled persons. Each department has defined priority action plans to meet local needs, aiming to simplify access to rights and information.

Scale indicators17 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Caisse nationale de l'Assurance retraite (Cnav): Cnav is the national parent body of the Carsat regional network and the operator of lassuranceretraite.fr, which Carsat PL uses for its personal accounts. It is the direct institutional counterpart and overseer of Carsat PL's basic-scheme activities.

Regional players

• CPAM de la Mayenne: Local branch of the French health insurance fund operating within the same Sécurité sociale framework and partnering with Carsat PL on regional events and cross-scheme coordination for insureds.
• Deutsche Rentenversicherung: German statutory pension insurer that partnered with Carsat PL in April 2025 to support 210 cross-border workers. Provides a foreign peer reference for the same statutory retirement-pension function under a different national system.
• Caisse d'Allocations Familiales (CAF) Pays de la Loire: Regional branch of the French family benefits fund, co-located in the same social-security ecosystem. Partnered with Carsat PL on the 80th-anniversary event in Mayenne 2025 and shares overlapping social-action concerns for vulnerable households.
• URSSAF Pays de la Loire: Regional agency responsible for collecting the social contributions that ultimately fund Carsat PL's pension payments. Shares the same regional scope and co-organized the Mayenne 80th-anniversary event with Carsat PL.
• France Travail (Pôle Emploi): Public employment service that co-organizes retirement-employment webinars with Carsat PL and shares an insured/registrant population. Operates at national scale but with local delivery aligned to Carsat PL's regional footprint.

Direct peers

• Carsat Rhône-Alpes: Regional Carsat branch with the same statutory functions and digital/physical service model. Its larger regional scale (Auvergne-Rhône-Alpes) offers a useful benchmark for Carsat PL's operating cost and service benchmarks.
• Mutualité Sociale Agricole (MSA): Social security fund for the agricultural sector that delivers retirement, health, and occupational services to a parallel population. MSA co-organizes joint retirement information sessions with Carsat PL and has an analogous statutory mandate.
• Agirc-Arrco: The mandatory complementary pension scheme that co-organizes retirement events with Carsat PL (e.g., Rendez-vous de la Retraite). Operates the complementary layer of French retirement and shares the same insured population, making it a close functional peer.
• Carsat Aquitaine: Another regional branch of the French Assurance Retraite network operating under the same statutory mandate (article L.224-3 CSS) for basic retirement and occupational health in a different French region. Direct operational peer with identical service portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@carsatpays-de-la-loire
• LinkedInlinkedin.com/company/carsat-pays-de-la-loire

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Carsat Pays de la Loire