French law guarantees everyone—employees, civil servants, and self-employed individuals—the right to detailed information about their retirement. This includes key documents that help you understand your future pension entitlements. The Individual Retirement Situation Statement (RIS) is a vital summary of your acquired rights, essential for estimating your retirement pension.
All employees, civil servants, and self-employed workers have access to pension information through various measures and documents designed to clarify your retirement status.
From just 2 quarters of old-age insurance, you receive a general information document on retirement (covering operations, conditions, etc.). You can also request an information session, an indicative estimate of your pension amount, and your RIS.
The RIS details your personal retirement rights based on your career history across all basic and supplementary schemes where you've contributed.
Specifically, it lists the quarters of insurance (contributed quarters) and points accumulated in each scheme, reflecting data as of December 31 of the previous year.
This information draws from annual social declarations by employers. Note: Unlike the career statement, the RIS excludes quarters for maternity or military service.
As the foundation for pension calculations, the RIS is indispensable for planning your retirement.
No action is required from employees, self-employed, or civil servants—the RIS is sent automatically starting at age 35, via post or email if you've created a personal space on lassuranceretraite.fr for basic social security pensions.
It arrives every 5 years at ages 40, 45, and 50, without request.
Receiving it doesn't trigger retirement steps; it's purely informational to assess your status and future pension amount.
Always review it carefully post-delivery, as its data determines your pension rights, including retirement date and amount.
For errors or omissions in your career details, contact the relevant pension fund—details are provided on the RIS.
Beyond automatic sends from age 35, consult your RIS anytime via the "my retirement account" section on info-retraite.fr (Union Retraite, a public interest group uniting all compulsory basic and supplementary schemes for private sector employees and civil servants) or your personal space on the Retirement Insurance site.
You can also request it once per year from your pension funds by dated, signed postal mail, including your surname (or married name), first names, postal/email address, birth date/place, social security number, and at least one pension fund name.
It will then be sent by post or email.
