And this whatever their age or their status

The figure is a symbol: in France, there are 36 different pension plans! Step 35 or 37, but 36, as in the popular expression for astronomical or inaccurate quantities: "see 36 candles", "pay all 36 of the month"... However, when asked about their major concerns, our citizens will never place retirement in 36th position. They always make it arrive in the head of their concerns tiercé. And this, whatever their age or their status. Public servants or private employees, professions Liberal, artisans or business leaders, all the same questions arise: When can I go and how much have I

As everyone feared the thinness of his future annuity, the idea is is well entrenched in the minds that will need to get some extra income. The need appears all the more compelling it to be not only to meet its own needs. No doubt will it also supports a number of his relatives: young adult unemployment, possibly of the grandchildren, but especially the ascendants in their old age. Indeed, for the first time in the history of humanity, people leave retirement and still have living parents. Las, the latter enter the phase where they most need medical care both heavy and expensive. As retirement is often not enough, their children are called to participate in the cost of hospital admissions and admissions in specialized institutions, and it in the title of an old article of the civil Code: the obligation of support.

Rebuilding his career

Need to meet the needs of others, while it is not safe to do this for yourself. Indeed, the retired risk of discovering new problems of health coverage. Nothing says that you can rely on mutual that previously accompanied our professional life. In any case, the tariff is not the same. Need to go to his money. But in what proportion The answer is not neutral, when we know that the pension to a former employee of the private sector best represents 50 of his old salary. In addition, it is at this point that the occurrences of costs multiply: often, it again at the same time his glasses, his dental apparatus and his hearing aid! Be it resolved: no one is immune to progressive wear of the body... With these additional funding needs, at a time when resources became scarce, one doesn't need a little foresight to understand that it will take cover. However, it is not to disperse in a plethora of uncontrolled investment.

The construction of a retreat is similar to the building of a House. It first trace plans, and then we dig the foundations. And after, but only after it starts for improved comfort equipment. It is the same with his future pension. First, there is concern to know at what age can go. This implies to reconstruct his career.

In the matter, good advice is given by Philippe Caré, specialist social blankets and regular consultant of "les echos""heritage" on pension issues: he suggests that taking the time to list the various companies on a white sheet or jurisdictions in which it is passed. He must go back as far as possible. The first jobs of summer, even just after IBC, may prove to be valuable, as we will see it later. Then, continues our expert, it should be to ensure social security and supplementary pension funds that they have well same information.

This first stage provides an estimate of its future pension. It is likely that a gap will be observed between the current salary and future pension. It will be time to consider the financial investment in offset the shortfall.

In practical terms, this first audit is obtained by taking a first contact with the national old-age insurance fund. The ideal is to have access to the Internet to go on the site of the CNAV (). "This allows to obtain his PIN number and view online a first record of his career," explains Lionel Bonnet, expert retirement at Mondial Assistance.

Reconstruction of career is indeed among the multiple benefits of this society, more usually associated with the sanitary repatriation of vacationers. In reality, it provides a number of services to individuals, but it does through its clients, which are mainly the insurers and bankers. Since the 1990s, it occurs in particular in the field of employment. At this time, indeed, thousands of employees found themselves faced with unemployment. Banks and insurers then felt the need to offer their customers a service to support custom type "help to return to employment". Naturally, this benefit is extended to young people also poor at their entry into working life. And finally, the offer has evolved to meet the needs of future pensioners, in the logic of information and solutions to the various stages of working life. Retirement needs is are still accentuated after the vote of the Fillon law in 2003.

Thus, for example, it is Mondial Assistance informed individuals who have subscribed a contract of life insurance in their future pension rights AGF. A dedicated team provides answers tailored to the specific cases submitted to it. From the image of the "call center" installed at the other end of the world, this cell is located boulevard Bessières, in the 17th arrondissement. These advisers work under the responsibility of Lionel Bonnet.

For "Les Echos heritage", detailed the six major stages that should climb between forty-five and fifty-five years.