The complementary Agirc-Arrco scheme normally advises future retirees to send their request 6 months before their departure… However, the pension reform is supposed to come into force in less than 6 months from now on. For the time being, the files are put on hold while waiting to have more visibility.
To request your retirement, take steps 6 months before the desired retirement date. Here is what the Agirc-Arrco supplementary scheme unambiguously advises on its page Apply for retirement. On the side of the Retirement insurance, the advice displayed is to request your retirement from the general scheme 4 months before the desired departure date.
However, the effective date – theoretical, at this stage, before the decision of the Constitutional Council expected for April 14 – of the pension reform is the September 1, 2023. Either in… 5 months!
Are you one of those born from September 1961, who can theoretically retire in September or October 2023? In fact, you are one of the first future retirees to be affected by the pension reform. The legal retirement age must be lowered by one quarter for you, as must the justified insurance period. And it is already time, in your case, to make your request to Agirc-Arrco if you are an employee of the private sector.
Pension reform: how many more quarters will you have to work?
Files put on hold for these new rules
How will your request be handled? If the law is promulgated, the people concerned by the reform (born from September 1961) will have their file examined with the new rules, logically confirms Agirc-Arrco. Review of retirement records [de ceux qui sont ns aprs le 1er septembre 1961, NDLR]Who can be sent from March 1, 2023is put on hold for these new rules.
From mid-April, our management tools will be able to integrate possible regulatory changes in the reform project
The supplementary scheme, however, dismisses any cause for concern, if the text is validated as it stands by the Constitutional Council: From mid-April, our management tools will be able to integrate the possible regulatory changes of the reform project, so as to be able to process, in time, the requests of the policyholders concerned and to provide them with the best possible information. This will prevent, for example, the wrong retirement notification being sent.
Clearly: the files of the first concerned by the reform are received but put on hold… and will be processed once the veil is lifted on the rules applicable to September 1st.
Retirement insurance: no break
No records are paused. Asked last week by MoneyVox about this, Retirement Insurance was reassuring. In particular for long career applications for which uncertainties remain, for lack of knowing the details of the future implementing decree.
More generally, the Cnav claims to avoid notifying the final amount too long before the departure date: in the specific context, policyholders are concerned about it (for those who leave from September) but the Cnav claims that the career aspect is examined and reconstituted in order to be able to process the file as soon as possible if the reform comes into force.
Retirement insurance: are long career requests blocked by the reform?