Applying for my pension

The pension is not paid automatically. You must apply for it 4 months before the desired start date. Take a look at all our tips.

• 5 years before: organising my retirement
• About a year before: setting my retirement date
• 5 months before your departure: apply for my pension
• Applying for a specific pension
• Other services

5 years before: organising my retirement

L’Assurance retraite provides the online service My retirement schedule (Mon agenda retraite). The goal: to provide you with customised, free-of-charge support prior to your retirement.

Accordingly, you will receive customised advice and information starting at 5 years prior to and up to 5 months prior to your planned retirement date.

So to make sure you don't forget anything and be ready when the time comes, sign up for My retirement schedule for free! 

Registering for My retirement schedule

About a year before: setting my retirement date

It is up to you to determine your retirement date. To do this, several factors need to be taken into account:

• the legal retirement age;
• number of quarters accumulated by you;
• the date on which you stop working;
• your entitlement under supplementary pension schemes.

The start date for your retirement is set at the earliest on the first day of the month following the date of receipt of your pension application. Also, it can't be before the date you applied for a pension.

Before making a decision, we advise you to reflect on this by logging into your personal area. This allows you to:

• use age and amount simulators;
• view your career record and, if necessary, request an update.

In addition, claiming your pension may affect the payment of certain benefits. If you receive:

• a survivor’s pension, the amount of this may be reduced at the time your personal pension is granted;
• a disability pension, payment of this will end as soon as your personal pension is granted;
• the allowance for adults with a disability (AAH - allocation pour adulte handicapé), payment of this allowance will end when your pension is granted. Under certain conditions, an additional amount may be paid to you by the Family Allowance Fund (CAF - Caisse d’Allocations Familiales);
• certain benefits or income, payment will end as soon as you reach the legal retirement age and meet the necessary contributions period for retirement at the maximum rate: unemployment benefits; special allowance from the National Employment Fund (ASFNE - Allocation Spéciale du Fonds National de l'Emploi); cessation of activity allowance for certain employed workers (CATS - Cessation d’Activité des Travailleurs Salariés); earned income supplement (RSA - Revenu de Solidarité Active).

5 months before your departure: apply for my pension

We recommend that you apply for your pension 5 months before your chosen departure date. 

By completing your application online, you only have one application to submit for all your basic and supplementary pension plans. 

An advisor for each of your plans will then review your application and contact you if necessary. 

To submit your pension application online, log into your personal area and access the “Apply for my pension” service. Find out about the “Apply for my pension service”.

You will be able to track the status of your application at any time, from the online service Track my current application (Suivre ma demande en cours).

Applying for a specific pension

Here are the steps to take if you are applying for a specific pension.

If you work or have worked abroad

You will need to indicate this on the single pension application form. In fact, quarters of activity worked in certain countries may be taken into account, subject to conditions.

If you live in a country outside the European Union, you can apply for your pension online. Applying for my pension online.

If you’ve had a long career

The application must be made by contacting the l'Assurance retraite or the pension fund for your last activity, 4 months before the planned retirement date.

While you wait for a response, it is advisable to continue the activity and to continue to validate your entitlements under the pension scheme.

If you have a disability

You must send a request for a certificate of early retirement for insured persons with a disability to your regional fund. This certificate is issued no earlier than six months before the possible start date for early retirement. Send it along with your application for early retirement.

If you are permanently incapacitated

You must provide all necessary supporting documents that demonstrate your permanent incapacity.

Other services

Are you applying for your pension? This may have consequences on the payment of other benefits.

If you have a survivor’s pension

The amount of the survivor’s pension may be reduced at the time your personal pension is granted.

If you receive a disability pension

Payment of the disability pension ceases upon the granting of your personal pension. Learn more about retirement after a disability pension.

If you receive the allowance for adults with a disability (AAH - Allocation aux Adultes Handicapés)

Payment of this allowance ceases when your pension is granted. Under certain conditions, a supplement may be paid to you by the Family Allowance Fund (CAF - Caisse d’allocations familiales).

If you receive certain allowances or income

Payment of the following benefits or income will end as soon as you reach the legal retirement age and meet the necessary contributions period for a pension at the maximum rate: unemployment benefits; special allowance from the National Employment Fund (ASFNE - Allocation Spéciale du Fonds National de l'Emploi); cessation of activity allowance for certain employed workers (CATS - Cessation d’Activité des Travailleurs Salariés); earned income supplement (RSA - Revenu de Solidarité Active).

If you receive the allowance for asbestos workers (ATA - Allocation des Travailleurs de l’Amiante)

This ceases to be paid from age 60 if you meet the contributions period for a pension at the maximum rate or at the latest at age 65, regardless of your contributions period.

For more information, visit the following pages: "At what age am I going to retire?"; “How is my pension calculated?"; "Procedures at each age"; "Organising my retirement using my retirement schedule".

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