A consolidated employee after a work accident receives a pension notification, and the first question that often arises is the same: can this pension be converted into a lump sum, and under what conditions does the CPAM accept it? The procedure for redeeming a work accident pension from the CPAM remains poorly documented outside of regulatory texts, leading to timing errors and avoidable refusals.
Total redemption or conversion to a reversible pension: the only available options
Since the Social Security Financing Law for 2026 (LFSS 2026, article 90), partial redemption of AT-MP pensions has been abolished. In practical terms, a beneficiary can no longer request to convert a fraction of their pension into a lump sum while retaining the balance in the form of periodic payments.
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There are two remaining options. The first is total redemption: the permanent disability pension is fully converted into a single lump sum payment. The second is the conversion to a reversible pension for the spouse, useful when the victim wishes to protect their household in case of death. The application form is available on the Service Public website (cerfa corresponding to the conversion of permanent disability pension into a lump sum or reversible pension, general scheme).
On the ground, many applicants discover the abolition of partial redemption at the time of submitting their file. Checking this point before drafting the request avoids an immediate administrative refusal. To understand the calculation mechanism that determines the proposed amount, one can refer to a detailed guide on the redemption of work accident pension cpam and its quantified modalities.
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Permanent disability rate and lump sum redemption threshold
The permanent disability rate set by the CPAM’s medical advisor directly conditions the form of compensation. When this rate remains below a certain regulatory threshold, the fund pays a single lump sum, without a life annuity. In this case, there is no redemption to request since the payment is already made in one go.
The redemption only concerns life annuities, that is to say, those granted when the permanent disability rate exceeds the threshold entitling to a periodic pension. Confusion between lump sum and pension redemption is common, leading insured individuals to undertake unnecessary steps.
The amount of the pension is calculated based on the annual reference salary and the disability rate, the latter being adjusted (reduced by half for the part below a certain threshold, then increased beyond). It is this annual pension amount that serves as the basis for calculating the redemption capital.
What changes with the Mornet scale since 2026
The application decrees of the LFSS 2025 (decree n° 2026-245 of March 15, 2026) impose the use of the new Mornet scale for the functional part of the damage, for all consolidations after November 1, 2026. In practice, the amounts proposed by the CPAM tend to increase under the effect of this scale, as the fund seeks to reduce the risk of judicial disputes.
For consolidations prior to this date, the old scale continues to apply. Feedback varies on this point according to regional funds, some already applying the new scale in anticipation.
Concrete steps to request pension redemption from the CPAM
The procedure is not complex, but each poorly managed step prolongs the delays. Here are the points to respect:
- Send a written request (registered letter with acknowledgment of receipt) to the CPAM to which the beneficiary belongs, specifying that it is a total redemption of permanent disability pension and not a simple request for a rate review.
- Attach the initial pension notification, a bank account statement, an identity document, and, if possible, the latest payment statement of the pension.
- Self-employed workers who are victims of work accidents or occupational diseases can now initiate this procedure online via ameli.fr, with a specific lower redemption ceiling than that of the general scheme.
- Anticipate a medical check-up: the CPAM may summon the applicant for a verification examination before accepting the redemption, especially in high-risk regions.
Processing times have significantly increased since early 2026. Insured individuals in Île-de-France report review durations of over a year, due to the strengthening of medical checks via telemedicine.
Redemption refusal by the CPAM: common reasons and appeals
A significant increase in refusals for AT pension redemption has been observed since January 2026. The most common reasons fall into three categories:
- Incomplete file or request formulated as a partial redemption (abolished by LFSS 2026).
- Permanently reduced disability rate after medical check-up, causing the beneficiary to fall below the life annuity threshold.
- Consolidation not yet pronounced or contested, which blocks any conversion to capital until the final rate is set.
In case of refusal, the appeal is first made to the amicable appeal commission (CRA) of the CPAM, then to the social pole of the judicial court. Contesting a refusal without having verified the legal basis invoked by the fund is counterproductive: in most cases, the refusal is based on a correctable procedural flaw.
For situations where an employer’s serious fault has been recognized, the additional compensation paid in addition to the pension is not part of the redemption scope. These are two distinct processes, and mixing the two in the same request almost systematically leads to a rejection.
The redemption of work accident pensions remains a relevant option for victims who prefer to have immediate capital rather than staggered payments. Since 2026, the abolition of partial redemption and the introduction of the Mornet scale have changed the rules of the game. Checking one’s final disability rate and compiling a complete file before any request remains the best way to avoid a refusal and the months of procedure that ensue.