Retirement: the most common mistakes when it comes to leaving

If retirement is synonymous with a well-deserved rest, it is also a source of anxiety for many policyholders. In addition to the isolation, the loss of income and the sometimes difficult transition, there is another disadvantage: the errors that plague the retirement files submitted by the beneficiaries.

If the steps have been greatly simplified in recent years, the cessation of activity remains a real obstacle course for some. Witness the confessions collected by Le Figaro, mixing anger, incomprehension and distress.

The follow-up of the retirement pension application file is the first shadow on the table. Future retirees quoted by the national daily confide in the length of the process.

“I am supposed to be on retirement from November 1. It is October 11 and I still do not have my notification containing the starting point of my retirement, the elements used for its calculation and its monthly amount”, book l one of them, who complains in particular about the lack of information on the follow-up of his file.

Reduced visibility that can be the source of a lot of anxiety, and prevent policyholders from properly preparing for this new stage in their lives.

Many users also criticize pension funds for asking them several times for the same documents, which delays the process… In addition to being frustrating for those who are waiting for the green light.

On the side of those who received their notification on time, errors are regularly to be deplored: “Not only were there errors in the calculation of my 25 best years, but, above all, my last two years of activity have not been taken into account for the calculation of my duration of insurance, nor the increase in the duration of insurance to which I am entitled for my two children”, exasperated one of them.

After filing an appeal, the insured received a corrective notification… Which also contained errors. All the more reason for future retirees to take good care of preparing for their cessation of activity in order to know how to spot the hiccups.

To compensate for these processing times, some pension funds pay a provisional payment to their policyholders. A good initiative… Which also harms some beneficiaries.

If the provisional payment of the retirement pension is supposed to prevent the insured from finding themselves without the slightest source of income, it generally drags on. The first hiccup lies in particular in the fact that this pension payment is made without the career having been verified, and without the rights acquired during the last year having been taken into account.

“The delays can be long, even very long, between the provisional liquidation and the final liquidation: it takes six months, a year, even a year and a half. The fact of receiving only part of one’s pension can pose cash flow problems”, specifies Le Figaro.

One of the most recurrent problems is the abusive application of the malus on the supplementary pension…

According to information collected by Le Figaro, the 10% penalty on the supplementary pension applicable for three years is applied abusively at times.

“To go faster, the files are sometimes processed by an automaton which systematically applies the penalty, including to those who could have benefited from early retirement for a long career from the age of 60 and who have deferred their departure by one year for escape it”, explained the director of retirement operations of the consulting firm Mareformedesretraites.fr Nicolas Strady in the columns of the daily.

Last black point: the pension fund rarely rectifies this error by itself. It is therefore up to the insured to check that everything is in order at the time of receipt of his notification.