Your career statement traces all of your retirement rights. The slightest gap (missing quarters, salaries incorrectly reported, periods not taken into account) can reduce your pension or shift your retirement age. Do some practical questions arise?
From what age should we really be concerned about it in order to correct it in time; when the supporting documents are still accessible and the funds able to regularize without haste? Thus, vigilance must be early and regularwith strong milestones after 50 years And in the year preceding liquidation. Review of good reflexes according to age, points to check, and deadlines to anticipate to secure your rights and optimize your departure strategy.
From the start of your career: lay the foundations and check each year
“Ideally, we should trade at check his statement from the start of his career and then do it every yearwarns Valérie Batigne, president of Sapiendo. Because the errors can intervene at any time and, to regularize them, you must have the good proof. However, the more time passes, the greater the risk of no longer obtaining the supporting documentation necessary to prove all of your rights. »
Keep pay slips, France Travail certificates, sick leave, maternity leave and proof of apprenticeship. They are your evidence in case of forgetting or under-declaration.
From 50 years old: comb through to prepare for landing
“From the age of fifty, prepare becomes essential, not only to be able to request regularizations from pension funds, but also to be able to anticipate the right retirement age and the right pension amount. »
It’s time to compare your statement for the periods actually worked, from reconstitute shortages, to identify your contributed/assimilated quarters and toassess the impact of the end of your career (part-time work, unemployment, study repurchase) on your date and your pension.
The year before departure: final check, major financial issues
“During the year preceding his retirement, control is essential if you want to obtain the right amount of pension, continues the expert. The financial consequences can be significant. Indeed, don’t forget that 100 euros more per month, this represents 27,600 euros on the average retirement duration which is 23 years old. »
Before adding that an expertise carried out by a professional can save “on average 200 euros per month thanks to the career verification and departure scenario optimization service. » Check each plan, submit your regularization requests without delay and simulate several starting ages.
