Does the Right to Information on their Pension Introduced by the 2003 Reform Make the French Better Informed and Less Concerned about their Future Pension?

Le droit à l'information sur la retraite introduit par la réforme de 2003 rend-il les Français mieux informés et moins inquiets quant à leur future retraite ?

Luc Arrondel, Loïc Gautier, Aurélie Lemonnier and Laurent Soulat
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Loïc Gautier: Caisse des dépôts
Aurélie Lemonnier: Caisse des dépôts
Laurent Soulat: Caisse des dépôts

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Abstract: We study the impact of the policy of sending policyholders personalised information regarding their pension, which was introduced by the 2003 reform (the right to information, Droit à l'information – DAI), on improving their knowledge of their pension entitlements and on the changes in their level of concern regarding their future pension amount. By using data from the 2012 and 2020 waves of the PAT€R survey, we show that knowledge of pension entitlements improved and that concern regarding pension amounts fell between 2012 and 2020. The impact of sending information as part of the DAI is difficult to isolate from the impact of the change in the general context between 2012 and 2020. However, the results obtained suggest that the first documents sent under the DAI policy have a slight positive effect on knowledge and an indirect impact on reducing concern by improving knowledge.

Keywords: Retirement; Provision of information; Financial literacy; Pension expectations; Retraite; Fourniture d'informations; littératie financière; Attentes en matière de pension (search for similar items in EconPapers)
Date: 2023
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Published in Economie et Statistique / Economics and Statistics, 2023, 538, pp.71-90. ⟨10.24187/ecostat.2023.538.2093⟩

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Journal Article: Does the Right to Information on their Pension Introduced by the 2003 Reform Make the French Better Informed and Less Concerned about their Future Pension? (2023)
Working Paper: Does the Right to Information on their Pension Introduced by the 2003 Reform Make the French Better Informed and Less Concerned about their Future Pension? (2023)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:halshs-04154591

DOI: 10.24187/ecostat.2023.538.2093

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