Many pensioners are unaware that they are entitled to additional income: thus, billions of euros lie dormant in the coffers. A report by the Prudential Control and Resolution Authority (ACPR) published in 2018 indicates that the supplementary pension contracts not paid to policyholders over 62 years old represented 10.6 billion euros; for those over 65, the amount rises to 5.4 billion euros and a further 1.8 billion euros for insured persons over 70 years of age.
To remedy the escheat of these contracts, a bill was adopted in 2021. It is supposed to strengthen information by asking the Public Interest Group (GIP) Union Retraite to set up an online service. This has been done since the beginning of July 2022, when this new service was set up by Caisse des Dépôts and Agirc-Arrco on the info-retraite.fr site. “‘My retirement savings contracts’ allows you to check whether you are the holder of an additional retirement savings product, explains the site in a press release. You can consult the list of individual or collective retirement savings products for which you have been identified as the holder. If a product is displayed, it means that you or perhaps one of your employers has contributed to one or more private organizations to benefit from a supplementary pension. Then simply contact the managing organization using the contact details given at the bottom of each contract.
However, it is possible that a contract does not yet appear on the service, because not all data has yet been transmitted. “If the beneficiary thought they had a contract but nothing appears on the online service, it is possible that the information has not yet been transmitted or that the beneficiary has not been identified”, indicates the GIP Union Retirement. “You will have to come back to consult your retirement account later”.
According to the GIP Union Retraire, 14.3 million contracts are gradually transmitted by the management bodies. As of July 7, 2022, 13 million of these contracts are in the database and nearly 80% have been associated with their beneficiaries and displayed in the service.
A similar service, the Ciclade service of Caisse des Dépôts, was set up after the vote on the Eckert law in 2016. Since 2017, it has allowed anyone to find out whether sums remained in inactive accounts or life insurance goes to him.
