Your steps towards your retirement file: how and how long?
To replenish your file, there are 2 different request channels that will impact the time needed to obtain a complete file:
- The channel related to the assessment and correction of your rights 15 days to 3 months. If an allocation of points or a work period needs to be corrected, the formalities can take 6 months. If you have been abroad and need to recognize certain periods of work abroad by the French system, this can take up to 12 to 18 months: These are all the requests you make to the pension funds before the age of 57 to 58 years. A request for correction or clarification falls within this channel. To obtain responses from the funds or clarifications, it takes.
- The channel related to the liquidation of your retirement: 3 to 4 months are needed, this period is much faster as the goal of the pension fund is to get you out of its management and to start receiving your pensions.
| Employee residing in France | Expatriates | |||
| Simple career 4 employers maximum | Complex career of 5 | Simple career employers | Complex | |
| Verification withdrawal | 1 to 3 months | 3 to 6 months | 8 to 12 months | 12 to 18 months |
| Processing of retirement formalities | 4 to 5 months in advance |
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OUR expertise in managing your case optimally, testing its complexity, and receiving an email with our responses:
Priorities for respecting your retirement
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During the career:
- I must keep my pay slips.
- I must keep my work certificates.
- I must keep my Assedic certificates.
- I must keep my intermediate point accounts.
- I must keep all documents sent by the funds.
At the time of departure:
- I must try to know my full-rate departure age (cnav request).
- I must calculate the benefit I should expect at 65 (or the disadvantage).
- I must wait for my employer to show up.
- I must request a career reconstruction from my additional funds.
- I must make an appointment at the nearest CICAS to my home.
You can apply for a single retirement online, with your personal FranceConnect account, on your pension fund’s website, but it is recommended to always apply to all of your schemes as a safety measure.
The secret to a successful application? A complete file.
Each insured person must provide specific evidence based on their personal situation. Here is a list of supporting documents to be provided in 2020, regardless of your retirement request and your situation:
- The duly completed retirement application form and signed cerfa https://www.lassuranceretraite.fr/portail-info/files/live/sites/pub/files/PDF/demande-retraite-perso-1.pdf;
- A photocopy of your identity card, passport or valid residence permit,
- The last 12 pay slips
- The signed and stamped termination certificate from the employer;
- Your last tax notice or a copy of the income declaration notice;
- The bank identity card (RIB) on which you wish to receive your pensions;
And now find a festival of other supporting documents that may be requested to review your file (non-exhaustive):
If you can or are required to retire due to special conditions, you will need to provide proof of this situation. Examples of special retirements:
- If you are a foreigner, a document proving your nationality (copy of the birth certificate with parentage, family record book, etc.)
- If you are or have been unemployed; (even unpaid): the certificate of unemployment periods from the last year provided by Pôle emploi.
- In case of disability or disabling illness: all elements that prove and allow the assessment of the disability that led to a permanent disability of at least 50% or a disability with a similar level of disability.
- In case of retirement due to disability: a medical certificate attesting to your condition or your disability rate and a notification of allocation or rejection of the AAH (Allocation for Adults with Disabilities);
- Retirement due to pain: your medical grouping and pension notice from CPAM or MSA, or any other relevant scheme and believe me this can get complicated at this stage.
- If your file concerns an early departure for a long career: the certificate validating eligibility for a long career we provide the unique cerfa request available here!
- If your case concerns progressive or early retirement: the employer’s certificate indicating the duration of the full-time and part-time period, as well as a copy of the new part-time employment contract;
- for the retirement of veterans, deportees, prisoners of war or internees: the veteran’s card and the service record;
- Business owner and managing director: the meeting minutes mentioning the cessation of managerial activities.
- Farmers: then it’s straight to the fish with sometimes the request for waiver of agricultural property!
- In some cases, we also request a certificate from the Primary Health Insurance Fund (CPAM) or a document detailing the daily allowances received in the last two years by our clients;