Liquidating your retirement, an actual impediment course | EUROtoday

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Like different social advantages, retirement pensions aren’t paid robotically. To obtain your pension, you should request it and accomplish that upfront: no less than six months earlier than the specified date for public service plans, and on the newest 4 months for personal sector plans. The procedures have been simplified, since it’s now not essential to ship a separate request to every of the funds to which you’ve got contributed.

You can now make a single request on-line – except it’s a request for progressive retirement, for which you should at all times use a paper kind – on the Info Retraite web site and connect the supporting paperwork requested electronically. . To join, merely use your France Connect credentials.

If you haven’t already executed so, you’ll first must create a “personal retirement account” to entry the applying process. Most of your data is already pre-populated, you simply should validate it.

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This single request means that you can assert all of your rights on the similar time with all French pension funds – primary plans and supplementary plans – to which you’ve got been affiliated throughout your profession. It is just not attainable to separate the fee dates of the completely different pensions; when you’ve got contributed to a number of schemes, you should pay all of your pensions on the similar time.

Excessive delays

Once your request has been despatched, every of your funds will then contact you once more – by e-mail and/or by submit – to acknowledge receipt of your file. Because though there’s a single utility process, every regime will course of your file independently of the others. For instance, when you’ve got been an worker, you’ll have two contacts: retirement insurance coverage to your primary pension and Agirc-Arrco to your supplementary pension.

To comply with the progress of your file, it’s in your greatest curiosity to attach – by creating a private account for every fund – to the web site of the completely different schemes which should pay you a pension. And it isn’t unusual for every of them to request the identical supporting paperwork once more, and a number of other instances… regardless that you had connected them to your preliminary single request.

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Unanswered letters, abnormally lengthy processing instances, errors in counting the insurance coverage interval… the trail of future retirees is strewn with pitfalls, as summarized by the testimony of an Internet person posted on the Service publics+ website, on 3 FEBRUARY : “The lack of expertise is especially problematic. No data on the explanations for these extreme delays is communicated to events who have no idea whether or not they need to merely wait, whether or not there’s a downside with their file and, on this case, whether or not motion is anticipated on their half. It can be not possible to contact the individuals accountable for your file, the retirement insurance coverage companies by phone are of no use since they don’t have entry to the data. Their solely response: we request a relaunch of your present file. Requesters are sometimes instructed that they are going to be referred to as again, however this isn’t executed. »

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