The liquidation of pension rights is not automatic or immediate. Retirement requires preparation, a few months before the big day. It is necessary to apply for retirement at least 6 months before the chosen departure date.
Step One Rebuilding Your Career
About two years before you plan to retire, start preparing your file. You must first take a complete look at all your rights. You can rely on individual situation statements, he overall indicative estimate, career statements, and supplementary pension points statements received or available online. Check these documents carefully. If you have any comments or questions, please address them to the relevant management institutions (basic and/or supplementary plans, as applicable), if possible, accompanied by a copy of the supporting documents for your action. The relevant funds will carefully examine your observations. Don’t hesitate to contact the telephone information centers to share your questions and ask for the next steps.
Step Two Evaluate Your Retirement Amount
Once your career statement (for your basic pension) and your individual situation statement establishing your rights in terms of supplementary pensions or with respect to other funds have been established and verified, you will be able to obtain an assessment of your future pensions. You don’t need to first contact all the funds you have contributed to during your life. The basic and supplementary funds you are currently contributing to will be the “lead fund” for preparing these documents. If you are a private sector employee, you will contact your general pension fund (Cnav) on the one hand and your Agirc-Arrco supplementary pension fund on the other. For these, the call center 0 970 660 660 (non-premium rate call) will tell you what to do and will offer you an appointment at a Cicas (Agirc-Arrco Employee Information, Advice and Reception Center). You should also contact Ircantec (non-permanent state and public sector employees), MSA (Mutuelle Sociale Agricole), and RSI (social security scheme for the self-employed), specifically if you have contributed to one of these funds during a period of your career. Check carefully that your entire career has been taken into account, and do not hesitate to contact the funds if you feel that certain elements have been omitted.
Step 3 Choose your retirement date and apply for your retirement
It is up to you to choose your retirement de To set this date, you must take into account your age (you cannot retire before 62, the legal retirement age, unless you are eligible for an early retirement scheme (for a long career, for example), your contribution period (number of quarters allowing you to retire at the full rate or not), the number of points acquired in points-based schemes (Agirc-Arrco supplementary scheme, for example)… You can set the retirement date of your choice; it does not necessarily have to be the month of your anniversary. By default, the retirement date is set to the first day of the month following the date your retirement application was received. You must then submit your retirement application at least 6 months before your chosen retirement date. Remember that you will need to allow 4 to 6 months before this date to “liquidate” your pension, i.e., ask the various funds to calculate your exact pension rights and initiate payment. Check with your pension fund(s) for instructions on how to proceed.
The single basic pension application
A retirement application service, “Apply for my retirement,” unique for all retirement schemes, is available online.
Since July 2017, a single liquidation of pensions has already been possible for the three aligned schemes: CNAV for private sector employees, MSA for the agricultural sector, and RSI for traders and artisans.
A personalized, pre-filled online application form
You are retiring: you only have to make one retirement application for all the schemes to which you are affiliated. You log in to your Retirement Account, via FranceConnect from the inter-scheme portal info-retraite.fr or from your personal space is pre-filled with information concerning: your affiliation schemes, your personal information (social security number, date of birth, etc.)
The application can be registered and completed later, within 90 days. All procedures are carried out online additional information, supporting documents (scanned), nd monitoring the progress of your application. Once your application is approved, it is forwarded to each of your pension funds. They will process your application according to their procedures and calculate the amount of your pension. When each pension fund has finalized your file, it will send you a retirement notification by p t with the amount of your retirement pension.
