The fight against the escheat of supplementary pension contracts was the subject of a law adopted more than a year ago. Its first concrete effects have been emerging since the beginning of July via the Info-retraite.fr platform. Explanations and instructions.
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This is a certain loss of earnings for retirees or future retirees who do not know that they are beneficiaries of a company retirement savings contract (Perco or contract known as Article 83) taken out for their benefit a long time ago by an employer who has since left, or even beneficiaries of an individual retirement savings contract of which they have forgotten (Perp, Madelin contract for the self-employed, etc.). It is an “escheat” quantified in May 2018 by the ACPR (Prudential Control and Resolution Authority) at more than 10 billion euros over 62 and more than 5 billion euros over 65… And this is a subject on which What to choose alerted the public 2 years ago, just before the vote on the law relating to the escheat of supplementary pension contracts.
Information that goes through everyone’s retirement account
Why talk about it today? Quite simply because the first effects of this law are emerging through the secure retirement accounts that anyone can create – which it is in their interest to do, whether or not they are already retired, on the official Info website -retraite.fr, in order to find out about their pension rights (quarters and points) in almost all mandatory schemes or, once retired, to know precisely the dates of payment of their pensions and their deduction rate at the source. Concretely, an additional tab “My retirement savings contracts” has been added. If applicable, the retirement savings products not yet settled are displayed, which makes it possible to find out about them. The same goes for the contact details of each management body, so that each beneficiary can contact it easily.
Integration work being finalized
This “cohabitation” in a single interface of pension rights from mandatory schemes and those from individual or company capitalization contracts is not yet exhaustive, however. For the moment, more than 10 million contracts have been identified and transferred to the retirement accounts of potential beneficiaries. This integration work should be completed next September. This is why the public interest group in charge of the Info-retraite.fr portal specifies that it is “possible that the information has not yet been transmitted or that the beneficiary has not been identified. You will therefore have to return to consult your retirement account later. » An information campaign for the general public should also take place at the start of the school year.
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