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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.