Retirement: what is the pension payment guarantee?

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Reform or not, a significant number of workers should retire in 2022. A large part of them could even be tempted to rush their departure, as Planet has already been able to explain, for fear of to be concerned by the ambitions of Emmanuel Macron. And yet! The abundance of new retirees is observed even during more stable periods, as evidenced by the latest figures from the National Old Age Insurance Fund (Cnav). In 2020, we can read on the latter’s website, it listed 690,354 cessations of activity; i.e. as many additional insured persons.

It is clear, moreover, that the retirement of these new insured does not always happen simply. As Le Parisien recently explained, the National Old Age Insurance Fund continues to make major errors in the processing of pensions. In 2021, affirms the Court of Auditors, “one new pension in seven liquidated includes at least one error of financial scope”. This represents, for retirees, some 70 million euros lost over one year. Of course, controls exist… but they are very often incomplete, continue our colleagues.

The errors mentioned above are not the only problem that a number of former assets may have faced when liquidating their rights. Before 2015 (and even since), a substantial part of the latter also faced possible delays in the payment of pensions. It was not until François Hollande’s five-year term to benefit from a solution, called “payment guarantee”. What is it, exactly? And how does it protect future retirees against the period between the cessation of professional activity and actual retirement?

The pension payment guarantee is a device that came into force on September 1, 2015. It was part of the pension reform carried out and defended by Marisol Touraine, during the five-year term of François Hollande.

In fact, explains Pierre Mayeur – the former director general of the Cnav -, it provides for certain measures to protect new retirees. “Any insured person who submits a complete personal pension application file at least four months before the date of his desired departure will now be guaranteed that his pension from the general scheme will be paid on time, even if the fund is missing certain elements. to calculate his retirement”, he declared in 2015, in the columns of Tout sur mes finances.

In practice, continues Notre Temps on its site, the payment guarantee therefore constitutes a legal obligation to pay on time for policyholders who have already submitted all or part of their file. Beware, however! It is necessary to provide “all the necessary documents” between 6 and 4 months before the actual liquidation, insist our colleagues.

In the majority of cases, files paid late result in practice from files submitted late. The best way to guard against this, informs the specialized site Simul-Retraite.fr, is to file as complete a file as possible. This means providing the following documents: