The problem, in practice
People compare pay slips to AVS extracts from the wrong quarter. With pillar 2 they assume coverage without checking waiting periods or part-time rules in the plan.
Step-by-step guide
For the same window, gather pay slips, employer attestations, latest AVS/AI statement, and the pension certificate.
Line-check insured salary and months marked as worked—a gap while employed is a warning.
For pillar 2, read the pension plan on entry date, workload, and employee vs employer shares—don’t guess.
If there’s a mismatch, send a structured letter to the fund with employer copied, reference IDs, and clearly named attachments.
Line-check insured salary and months marked as worked—a gap while employed is a warning.
For pillar 2, read the pension plan on entry date, workload, and employee vs employer shares—don’t guess.
If there’s a mismatch, send a structured letter to the fund with employer copied, reference IDs, and clearly named attachments.
Actionable checklist
- AVS/AI extracts for past 24 months downloaded and filed.
- Insurable vs actual salary: one-line note on any gap.
- Pension certificate or fund simulation with date.
- Letter template: subject, references, reconciliation ask in ≤10 lines.
- Follow-up at day 30 if no reply.