Retirement: 900 million euros in lost pensions in 2024, are you concerned?

The Court of Auditors certified with reserve the accounts of the Old Age Branch of Social Security and the National Caisse d’Assurance Vieille. In question, persistent errors on the amount of pensions paid.

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Bis repetita. Like every spring, the Court of Auditors screened the Social Security accounts. And again this year, the institution is pinning the errors in series in the calculation of pensions pension. In their report published this Friday, May 16, the wise men of rue Cambon believe that‘In 2024, “About one in ten legal service would include a financial reach error”. In other words, more of a new retiree out of 10 (10.5%) does not receive the right pension amount. A worrying level of errors, which concerns pensions paid by the general old age insurance scheme, the CNAV.

And in “The vast majority of cases, these errors are unfavorable to the insured”. Forgotten career ends, increases for children or long careers spent on the hatch … Very often, retirees affect less than what they would be entitled. And this Involuntary forgetfulness CNAV is expensive. So “The financial impact of these errors throughout the lifespan of pensioners (is) of 900 million euros»»indicates the synthesis of the report. Because a undervalued pension of about twenty euros per month only, over 25 years of retirement, it is 6,000 euros less in the pocket of the retiree.

Provisional liquidation in the viewfinder

Equally problematic, errors are even more numerous as part of the Provisional liquidation. A height, according to the Court of Auditors, since this mechanism, however, starts from a good intention: being able to calculate (and therefore pay) a retirement pension without holding all the supporting documents of the insured. But the risk is that the calculation is done on a incomplete baseand therefore wrong. Result: these provisional errors sometimes become definitive.

On this point, However, the CNAV has improved : In 2024, “only” one in 10 pension (10.5%) included an error, compared to one in eight (12.4%) the previous year. But the Court of Auditors judges this result still insufficient. In question, in particular, “The heterogeneity of the implementation of the supervision plan by the authorizing officer and control by the accounting and financial director in the Carsat network (Retirement and Occupational Health Caisse, editor’s note)”. In other words, each regional fund controls the amount of pensions to its sauce, unifiedly piloting nor overall vision. What seriously complicate errors hunting …