Long careers: what age of departure with the pension reform?

For several weeks, the pension reform has divided the French. But it provides advances for long careers.

Initially, Elisabeth Borne was to present this bill on December 7, 2022 to the Assembly. Finally, in order to be able to exchange with professional organizations and unions , this presentation took place from 11 January. The objective of the pension reform? Preserving our pension system for generations to come. Nevertheless, this text encounters strong opposition, both in the political sphere and in public opinion. In question ? Raising the legal retirement age to 64 . However, the government is trying to present its project in a better light, by evoking exceptions for long careers.

The supposed benefits of the reform

For the time being, our system only takes two thresholds into account for determine workers' rights : the age of 16 or 20 years. Following the new reform, retirees will be able to rely on a new threshold set at 18 years. It will allow those who entered working life before their majority , to stop working at age 60. Nevertheless, to benefit from this long career scheme, it will still be necessary to justify 172 quarters assessed.

In case of career interruption , workers should also be able to rely on pension rights. To do this, the executive wishes to extend the consideration of cumulative periods to the title of old age insurance stay-at-home parents (AVPF) . If you have had to reduce your professional activity to help your loved ones, you can therefore contribute up to four quarters. A measure which should thus benefit a large number of women . Indeed, the latter often remain the first to put their work aside for the benefit of their family.

Long careers: when can I retire?

The government would like to emphasize that the pension reform will remain fair. All French people will have to make an effort . But those who started their professional life earlier must be able to leave before the age of 64. So that no one who started working early is forced to work over 44. »

The long career scheme should therefore benefit all those who have managed to contribute more than 5 quarters before the age of 20. Here is a short summary of your rights .

• If you started your career at 14, you can stop at 58.
• If you started at 15, you can to retiring at 59 years old.
• For those who have worked since the age of 16 , the departure can be made from the age of 60.
• If you entered working life at 17, you can stop at 61.
• Finally, for those who started working between the ages of 18 and 20, the retirement age will reach 62.

To know : long careers refer only to people who worked full time , without interruption since their youth. If you have simply had a few seasonal jobs, this will remain insufficient to validate 5 quarters before your 20th birthday.

Moreover, the system will not really apply equally to all . Indeed, people born after 1973 should expect to leave a year later than years, even with long careers. Currently, a person born after 1973 can hope to leave at age 60, at full rate if she has validated 43 annuities.

• After the reform , she will have to justify 44 annuities to receive his full pension. This will force her to reach 61 before retiring.

What conditions must be met?

For benefit from the long career scheme s, it is therefore necessary to justify a start of professional life before the age of 20. But other criteria are important. Notably, the duration of your pension insurance contributions (basic scheme) which also the number of trimesters required, depending on your year of birth. In addition, it is necessary to justify at least 5 quarters of contributions, before the age of 20.

The reform also includes new features for local authority officials . Indeed, these workers depend on the CNARCL, and can therefore leave earlier in the event of long careers.

Here again, access conditions on early retirement from the civil service, depend on year of birth , and the number of quarters accumulated throughout the career.

Source : The Internet user