How to prepare your retirement request file?
Determine his retirement age
Before retiring, it is necessary to learn well. Starting with the legal departure age, fixed at 64 or 65 years Since the 2023 pension reform, led by the former Prime Minister, Elisabeth Borne. From the year 2025, this limit applies:
- at 64 for people born from 1968;
- With a required number of quarters ranging from 169 to 172 depending on the year of birth (43 years of subscription for a full -rate retreat for generations after 1973).
It is therefore crucial to know your date of birth, its number of validated quarters (contributed or assimilated), and to check your rights via your personal retirement account.
Early retirement
Some people can still benefit from early retirement.
- Long career: If you have started working very young and you justify a number of contributed quarters, you can leave up to two years before age.
- Disability :: Insured people with a disability rate greater than 50 % can claim an early departure from 55 years.
- Permanent incapacity : for insured persons with a permanent inability of at least 50 %, especially following a work accident or an occupational disease.
- Asbestos exhibition : Employees exposed to asbestos can benefit from a specific pre -retirement system (ACAATA) or early departure.
Take into account special retirement plans
Regarding special diets, Some have been deleted Following the pension reform:
- Those of the Autonomous Régie des Transports Parisiens (RATP).
- Those of the electric and gas industries (IEG).
- Those of clerics and employees of notaries (CRPCEN).
- Those of the Banque de France.
But this only applies to people recruited from September 1, 2023, who joined the general scheme and the complementary regime of their activity. The others remain affiliated with their special diet.
Who can help make a retirement request file?
Go to the retirement insurance website
The official retirement insurance website is one of the main support tools. It allows you to consult your complete career statement, updated in real time, and correct errors or add missing periods. He also offers simulators to estimate his age of departure and the amount of his future pension.
The “My retirement agenda” service
Retirement insurance also offers a free and progressive system: “My retirement agenda”, a personalized support service. Just register online to receive advice by email or SMS, from five years before your estimated departure. The agenda is personalized according to your situation: quarry type, interruptions, contributed diets …
Request the update of your career statement
Before 55 years, any correction of your career (missing periods, quarter errors, wages not postponed) must be requested from the Pension funds concerned (Retirement insurance, MSA, RSI, Ircantec, etc.). After 55 years, you can make your request directly online from your Personal Retirement Account on Info-retatite.fr.
Contact a retirement advisor (MSA, Carsat or Agirc-Arrco)
If you want more personalized assistance, you can make an appointment with a Retirement insurance advisorin an agency in Carsat (general regime), MSA (rural), or an additional fund (Agirc-Arrco). It is also possible to call 3960 (Price of a local call) to ask your questions.
What is the deadline for making his request for retirement?
Retirement date
Contrary to what one might think, retirement is not automatically allocated when we have reached the legal retirement age. You have to apply for retirement. It is strongly advised to submit your request at least six months before the date desired of departure. This advice is valid for all regimes.
Retirement notification to the employer
Don’t forgetnotify your employer of your decision to leave your job and find out about the period of notice to be respected. You must notify your retirement request to your employer by letter or mail. The public service site provides you with a free model.
On which site can we apply for retirement online?
The official website: info-retitraite.fr
The online pension request is made on the official pension portal in France, at the following address: www.info-retraite.fr. It allows the insured of centralize all their steps Linked to retirement, whatever the regimes they have contributed during their career (private, civil servant, self -employed, etc.).
A unified service for all regimes
Thanks to the info-retirement platform, you can perform a unique retirementeven if you have had several careers in different diets. This avoids having to contact each cash register. You log into your personal space, then access the “Request my retirement” section, generally available from your 55 years.
For complementary regimes
The request for additional retirement, in particular for employees in the private sector (Agirc-Arrco), can also be made From the same info-retirement portal. As soon as your request is registered, it is automatically transmitted to the funds concerned, including your additional scheme.
What are the steps to do to request your online retirement?
The career statement
Before initiating your online retirement request, it is better to have requested, verified and possibly made Correct or complete your individual situation statement or career. This document reconstitutes his career, including possible periods of unemployment, and resumes all of his rights acquired for all the funds to which he has contributed.
A single and personal retirement request online
Performing online procedures has the advantage of only making a single retirement request for all basic and complementary plans. Demand takes place in four stages ::
- I connect to my personal space via FranceConnect, using an administration identifier.
- I ask for my retirement for all my diets.
- I complete and electronically sign the single form, which takes into account all of your situations.
- I attach the necessary supporting documents.
Treatment with pension funds
Once your request is transmitted, Each diet examines your file separately. An advisor can contact you by e-mail or telephone if additional information is necessary (period to be validated, missing document, career verification, etc.). When all the plans have validated your rights, you receive a notification letter specifying:
- The departure date chosen.
- The amount of your pension in each scheme.
- The date of first payment.
What documents should you provide for an online retirement request?
Depending on the applicant’s situation and according to the funds, the documents to be produced are generally during the retirement request procedures:
- Photocopy of salary bulletins of the last year of activity.
- Photocopy of the applicant’s identity document.
- Photocopy of the last tax notice.
- Photocopy of the family book, if the applicant has children.
- Copy of certificates from France Work (former employment center), in the event of periods of unemployment.
How to follow the progress of his retirement file?
To have details on the progress of the study of your CARSAT file, log into your personal space, to the retirement insurance site. From there, just select the service “ I wish to consult my file follow -up »» In the list offered to you to have access to information on the progress of your file.
Where to contact to take stock of your retirement?
Call on pension funds
All the boxes of all regimes are empowered to take stock of what you have acquired in each of your diets and to answer your questions. By specifying that you wish to benefit from a retirement information interview with the right to information, you will be dealing with a free advisor, specially trained in other regimes.
Use the services of a private firm
These private pharmacies can be very useful in the Case of complex careers or for some executives receiving high incomes. They can allow you to recalculate all your rights and thus do not forget anything. But their fees are relatively high (from 500 euros to several thousand euros).
How to apply for Ircantec retirement (public service)?
Depending on the title to which the beneficiaries of the Ircantec public supplementary retirement make their request, they have several means.
Employee retirement request
For them Non -holders of the State and public authorities (contract workers), it is necessary to make their request for online retirement, via the space “my public retirement” accessible by FranceConnect. This platform makes it possible to make a unique request from all your regimes, a general and complementary regime included.
You can also Contact Agirc-Arrco (0 970 660 660) to initiate the request, then request a personalized file via the contact form on the site, complete it and send it, accompanied by the required supporting documents.
Retirement request for elected officials
There are two possibilities depending on whether or not it is a first request as elected representative.
- For a first request: Make a request on your personal space “my public retirement”, complete the personalized retirement file and return it with the supporting documents at the Ircantec.
- For a second request on the same mandate category (After suspension of the pension): It must be formulated by mail and include, in addition to a certificate of cessation validated by the employer community, a copy of the tax notice of the last two years and a RIB.
- For a second request on Another mandate category: From your space, ask by the contact form a retirement file to be completed, to return to the Ircantec.
Request for retirement from hospital practitioners via France Connect
You can make your online request (all diets) by logging into via France Connect to The “my public retirement” platform. You can also request a file that will be sent to you by post in one of the following three ways:
- By completing the contact form that you will find on the Ircantec website.
- By writing to: Ircantec – BP 80726 – 49939 Angers Cedex 9.
- By calling an advisor on 02 41 05 25 25.
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