Almost every year, more of them end their professional careers. Thus, explains the National Old Age Insurance Fund (Cnav) on its site, 650,556 people retired in 2021. An impressive number, up over the decade, but less important than that of the previous year which was enthroned then at 690,354. It is likely that the trend will continue in 2022 and that nearly 700,000 individuals will decide to liquidate their rights. If not more! Emmanuel Macron’s latest announcements concerning the pension reform could push some to rush their steps…
The Head of State is indeed planning a rapid reform, the entry into force of which could happen from the beginning of 2023, as Planet has already been able to write. Such uncertainty could increase the number of departures, judges economist Philippe Crevel. “Historically, this is a phenomenon that we have already observed on several occasions in the past. This was the case in 2003, but also in 2010”, he recalls indeed. But anyone considering the cessation of activity must also be well prepared to avoid all the pitfalls when the day comes. This involves reconstructing your entire personal career, possibly completing your terms, choosing the right date… For this, it is essential to be supported by your career statement.
The career statement is an important document, which lists the rights acquired on retirement and therefore makes it possible to estimate the ideal retirement age. This can also be corrected by the employee concerned from the age of 55, informs the French administration on the public service site. Those who are planning to leave this year therefore have every interest in knowing how to read it…
The first page of this essential document, recalls Tout sur mes finances, includes a summary of acquired rights. You will therefore find all the different pension plans (basic and supplementary) to which you have contributed during your career. There is also the number of quarters or points validated under each of them. But this is far from being the only interest of this document…
Any individual statement of situation (RIS, the other name of the career statement) also includes the mention of the annual salary. This may sometimes appear less important than what was actually perceived. This is not abnormal: the amounts earned, as part of the calculation of the retirement pension, are capped.
As Tout sur mes finances reminds us, it is not possible to exceed the annual social security ceiling (PASS), and whether we receive our RIS in 2020 or 2022. Only, here it is: this ceiling changes normally (except frost) from one year to the next. Since January 1 of the year 2021, it has been set at 41,136 euros. This is much more than what is needed to validate a year of work for retirement.
Also pay attention to items that are not on the statement. This is the case of additional rights acquired in respect of maternity or those obtained within the framework of military service, for example. Clearly, the quarters assimilated rather than assessed.
Obtaining the individual status report is automatic from the worker’s 35th birthday. It is communicated once for this anniversary, then once every five years. It will be necessary to wait 55 years to be entitled to the EIG, the global indicative estimate, which accompanies the career statement. The latter notably includes an estimate of the amount of the pension for a retirement between the ages of 62 and 67.
In addition, continues Notre Temps, it is also possible to consult your RIS from the site of your pension fund or the platform common to all plans, info-retraite.fr. Make sure, for security reasons, to do it from your personal space on the chosen site.
