The pension reform is pushing many French people to check their current rights and use simulators to do so. And in particular the most successful and complete: the very official portal info-retraites.fr, which has been difficult to access in recent days. Because it is essential to remember that when it comes to retirement, each case is unique. Here are some ways to prepare for it.
First basic rule: retirement is not automatic. It is up to you to decide when you want to enforce your rights, from the moment you have reached the age of majority (or early departure) that corresponds in your case, taking into account the evolution of the amount of the pension or pensions that we are going to receive. receive according to the decided departure date. Hence the interest in making an estimate online at info-retraite.fr, knowing that the reform not yet voted on will affect the amount indicated today.
Go 6 months in advance
Once you have decided the date from which you are going to retire, you have to submit the application, taking into account that the file cannot be processed in a few weeks. It takes at least four months. And to be sure of receiving your first pension on the date you plan to leave your job, the safest way is to apply six months in advance.
But before you get there, you also have to check that the entire race has been taken into account. Ideally, this tedious task can be done from the age of 55. You take your resume, trying to find the older versions, where your student work is usually mentioned, and you open the folder where you have wisely kept your pay stubs.
Unemployment periods entitle quarters
The objective is to verify if the career statement published on your personal space info-retraite.fr takes into account all the paid jobs you have had, but also the other periods taken into account in the calculation of the number of quarters to be validated for receive a full pension. Between these periods is unemployment. If between two positions you have registered at Pôle Emploi, this will count towards your retirement, according to somewhat complex rules.
To summarize if you received benefits, it will be a quarter for fifty days compensated. And if you don’t have, or are no longer entitled to, an allowance, you continue to earn quarters as long as you haven’t resigned from your position. Their number will depend on many criteria, including age, but to simplify it goes from four to twenty.
Called up or conscientious objector, it makes no difference
The same applies if you have been placed on long-term sick leave. The rule in this case is 1 quarter for 60 days offset obviously with a maximum of four quarters per year. Same principle for people who receive a disability pension.
And then there’s possibly your military service, which will allow you to “validate” a quarter for 90 days in the military, again obviously with a maximum of four quarters per year. And it is the same for conscientious objectors.
Up to eight terms per child
But there are also, for parents, the children we raise. Whether it is maternity leave or adoption leave, parental leave and, more broadly, the part of the time that has been decided to dedicate to the education of the children when stopping work, the French system provides for the granting of patrimony of the compensatory trimesters, up to eight per child.
As we can see, apart from unpaid studies, caesuras for personal convenience (around the world or spiritual retirement) and the RSA that does not open a direct right to retirement, there are plenty of possibilities to add quarters in the calculation of your race. All the more reason not to forget any of them.
Source: BFM TV
