Pensions: the French are massively informed about their rights

Thursday, March 23, the first day of national mobilization after the adoption of the pension reform, 21,500 people created their “retirement account”. Quarters, Agirc-Arrco points, etc. : this online tool, also available as a mobile application, compiles the rights accumulated by everyone since the beginning of their working life, allows them to simulate their future pensions, to apply for retirement or survivors, or even, for retirees, to access their tax return for all regimes.

A very high figure – the cruising speed has been around 5,000 daily creations since the launch of this service at the end of 2016. But which is no longer rare now: since the start of 2023, in barely three month, 1.8 million accounts were created, an average of 20,000 per day, bringing the total number of holders to 12.8 million.

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“This number is growing at high speed”indicates Union Retraite, the inter-regime organization that manages this service. “At the start of the 2022 school year, we were already at a steady pace, with 6,000 to 8,000 creations per day, but it is mainly from January 10 (day of presentation of the reform) the counters exploded. In one month, there were a million new registrants. »


The pension reform, which provides for the decline of the legal age from 62 to 64, clearly arouses the curiosity of the French about their own pension file. In addition to new registrants, “We are seeing account holders coming back. In January, for example, 6 million connections to the account were recorded (nearly 200,000 per day), it was 1.7 million in June 2022., notes the Retirement Union. And, this, even if the simulator of pensions accessible from the account does not yet integrate the modifications of the rules related to the reform in progress (the law not being promulgated).

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The 12.8 million holders are rather old. More than half are over 55, less than a quarter are under 45. But, for new registrants, the trend has reversed since the beginning of the year, according to Union Retraite. Let’s go back, for example, to March 23: 53% of account creators on that day were under 45, and 22% between 45 and 55 years old.

Although the retirement account simulator does not yet take the reform into account, Union Retraite has posted a tool called “Am I concerned” on its website, which allows everyone to know the impact of the reform on their minimum starting age (whether or not you are affected by the long career scheme) and the number of quarters that will be required to obtain the full rate.

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