Retirement: why you should not send your file too early


If you look into your file too soon in order to receive your future pension, there is a good chance that it will be returned to you. In fact, the administration highlights the fact that it is a good idea to start looking into your retirement file three or five years before the end of your working life.

Before making the request for liquidation – i.e. the fact of asserting your rights to retirement from the various schemes to which you have contributed throughout your working life – it is up to you to make what is called: a update on your career. It is this approach that requires anticipation ranging from 3 to 5 years. Stated objective: to allow you to check that all your professional experience has been taken into account, to obtain exact estimates and thus give you the possibility of correctly determining your retirement date.

Once this update regarding your career has been completed, you should complete the Cerfa retirement application form and accompany it with all the supporting documents requested. You can return it online or by mail. But what is especially important to note is that you should only return your file six months before the date of your retirement. In other words: if you return it too soon, your file may be returned to you. The purpose of this six-month period is to allow the administration to register your retirement application, then to verify or even correct your information.

It should be noted, however, that anticipating the steps to be taken sufficiently in advance allows your pension fund to properly manage the possible specificities of your file. It is also the surest way to ensure that you will receive your pension on time. The good news is that even if your file is not quite finalized, you can benefit from a payment guarantee. To do so, all you need to do is submit your application with all the required documents at least four months before your retirement.