The contribution of Cnav data in identifying the profiles of insured persons who do not take advantage of the pension system (notice n° 577510)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 02668cam a2200301 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250121134846.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Beaufort, Romane |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | The contribution of Cnav data in identifying the profiles of insured persons who do not take advantage of the pension system |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2021.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 16 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | While 16 million insured persons have a pension, how can it be understood that some do not claim it? For example, one third of members aged 70 have not claimed all their pension rights (Langevin & Martin, 2019). This share may be surprising, since pensions are not stigmatising, unlike other social benefits. It is also not recoverable from inheritance. This question is particularly important for the pension funds themselves. In response, CNAV is seeking to automate the calculation of entitlements in order to identify those insured persons who may not be receiving their full benefits and to combat non-use. However, non-use is a complex phenomenon that concerns very different profiles. Thanks to the rich administrative CNAV data and Prisme microsimulation model, the article identifies the various forms of non-recourse in all the schemes making up the current French pension system. It also seeks to characterise the different profiles of individuals who renounce all or part of their rights. Thus, while insured persons born abroad and having a low number of trimesters represent a large number of those who do not claim any rights, insured persons born in France with complete careers are numerous among those who claim only part of their rights. The article also highlights that non-recourse to retirement is a long-term situation, with few insured persons claiming their rights after the age of 70. Finally, the authors analyse the levers available to the pension funds to reduce non-use and propose an evaluation of the additional benefits that the organisations would have to pay if all insured persons were to claim their full rights; in the basic schemes, these represent 2 % of the benefits paid after the age of 70. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | access to rights |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | career |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | non-take up |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | microsimulation |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | retirement |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | access to rights |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | career |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | non-take up |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | microsimulation |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | retirement |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Mattmuller, Mallory |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Ramos-Gorand, Mélina |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Retraite et société | o 87 | 3 | 2021-12-23 | p. 25-51 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/journal-retraite-et-societe-2021-3-page-25?lang=en&redirect-ssocas=7080">https://shs.cairn.info/journal-retraite-et-societe-2021-3-page-25?lang=en&redirect-ssocas=7080</a> |
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