If you have exercised a liberal profession for a few years before returning to wage earners or the public service, part of your retirement may not be paid to you. Architect, automotive expert, ski instructor, osteopath, psychologist, dietitian, lecturer guide … All these trades are affiliated with the interprofessional provident and old -age insurance fund (Cipav), a regime which pays a pension to more than 200,000 retirees, and to which no less than 300,000 self-employed people contribute and 200,000 liberal professions under ordinary law status (which declare non-commercial profits, BNC). “Without forgetting about 600,000 insured insured, that is to say that are not retired and who have no more activity that is the CIPAV. Workers who carried out in liberal and then resumed a salaried activity ”recalls François Clouet, CEO Director of CIPAV.
However, if the vast majority of affiliates at the CIPAV do not forget to liquidate their retirement, some, in particular those who only exercised a few years as a liberal profession, have not necessarily thought of it. “Someone who contributed 43 years to CIPAV knows it and deposits their retirement file. But this is not always the case with the insured who exercised in a liberal profession at a given time, one year, two years or three years, then are ironed employees or civil servants. They do not ask for their retirement from all the regimes under which the affiliation durations are very short. The Ircantec (the complementary retirement fund of contract workers in the public service, editor’s note) is affected in the same way ”underlines François Clouet.
And that’s where the shoe is pinches. Because if today, with the request for online retirement, Only one request for liquidation Sufficient for all the regimes to which the worker has contributed, this mechanism has only existed since 2018. Reason for which many ephemerals affiliated to the CIPAV pass by their retirement. “We note a remainder of 1,500 insured, for example on generations 1949, 1950 and 1954, which did not ask for their retirement, out of a total of 40,000 annual requests”highlights the boss of the CIPAV.
A total retirement of several thousand euros on average
Well decided to reduce non-claimed pension stocks, the Liberal Professor Pension Fund therefore launched a massive communication campaign with its ex-affiliates. More than 1,000 emails and 1,200 letters were sent to the insured of the 1949 generation. Same thing for generations 1950 and 1954. “In these communications, we tell the insured to do the online retirement request. Otherwise, we offer them the possibility of calling the CIPAV for personalized support »boasts François Clouet.
And the operation, which will be extended to the insured of the generations 1946 to 1956-1957 in the coming months, already bears fruit, assures the CIPAV Director General. “We took stock of the letters transmitted during the month of May. We process the files so that payment is effective as quickly as possible, with treatment deadlines for thirty days. Some will receive the first payment at the end of June ”he rejoices.
And if the sums at stakes do not represent, far from it, the bulk of the pension of the retired retirees concerned, they are not negligible, as shown by the data resulting from a first communication campaign initiated by the GIP Union Retire Average annual pension From 190 euros or benefited from a single flat -rate payment between 2,100 and 2,400 euros, or even up to 10,000 euros. A sum that it would be a shame not to touch. Hence the recommendation of François Clouet to ensure their rights for the former affiliates to the CIPAV: “The insured must go and consult their career statement on the info -retirement site, which will inform them if they have a retirement from the CIPAV – or another – to ask.”
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