The pension is not automatic — you claim it, ideally 4 to 6 months before the chosen departure date. One online demande covers all régimes (base + complémentaire).
Éligibilité / Qui est concerné
- From the legal minimum age (born-year dependent — check your relevé); full rate depends on trimestres. Foreign careers: EU regulations and bilateral conventions can totalise periods — declare every country worked in.
Étapes
- Check the relevé de carrière on lassuranceretraite.fr / info-retraite.fr and fix gaps EARLY (missing employers, foreign periods).
- File the demande unique de retraite online (info-retraite.fr routes it to every régime, Agirc-Arrco included) 4–6 months ahead.
- Track the espace; answer pièces requests; receive the notification de retraite.
Pièces justificatives
- RIB, ID, last payslips/unemployment records, livret de famille if relevant, foreign career records (work books, affiliation certificates) for totalisation.
Délais et échéances
- File 4–6 months before departure. Pension starts the 1st of the chosen month — never before the demande.
Portail / Où faire la démarche
- info-retraite.fr (inter-régimes) / lassuranceretraite.fr. Free.
Pièges connus
- Discovering career gaps at claim time instead of years before.
- Forgetting foreign periods — they can change the rate substantially.
- Confusing âge légal, taux plein, and complementary rules.
Sources
- service-public.gouv.fr — « Retraite d'un salarié du privé » (checked 2026-07)
- info-retraite.fr — demande unique (checked 2026-07)