Question to an expert
When I retire, will the rights I have acquired automatically be taken into account by my plans?
Work, unemployment, illness, apprenticeship, internship, expatriation, social plan: multiple periods may count when calculating your pensions. The pension funds still need to be aware of it …
To do this, there are four mistakes you shouldn’t make.
The first is to assume that these funds will have traced your career without forgetting or making mistakes.
The second, rely on your memory: not sure that at 62, you remember which company you worked in the summer of your 17 years and how much you earned.
1 point = 1.2714 euro pension
The third is to think that the caisses will systematically grant you rights for things that you remember but cannot prove. Or that they will do the research for you. To claim, you will need proof.
Another common mistake: believing that a small oversight – a few additional points, a quarter – will not cost you dearly. This can quickly represent thousands of euros! For 100 “small” Agirc-Arrco points, the damage reported to the life expectancy of a 62-year-old woman will amount to some 3,300 euros (one point = 1.2714 euro annual pension currently).
So keep carefully, on paper and in digital, proof of the events of your career: payslips, social declarations for the self-employed and liberal, calls for contributions, unemployment certificates, certificates of daily sickness or disability benefits, etc. Doing this early in your career will save you precious time and maybe a few thousand dollars.