Legal age, contribution period, hardship… Here are the key points of the pension reform

Postponement of the legal age, contribution period, minimum pension, employment of seniors, long careers, hardship, special schemes… Here are the main points of the pension reform presented Monday in the Council of Ministers.

legal age

The legal retirement age will be raised from 62 to 64, at the rate of 3 months per year from September 1, 2023 until 2030. This two-year increase “will concern all active workers, employees, self-employed and civil servants “, had insisted the Prime Minister, Elisabeth Borne, revealing the content of the reform on January 10. However, disabled workers will still be able to retire from the age of 55, and those on disability at 62.

Contribution period

To obtain a “full rate” pension (without discount), the required contribution period will increase from 42 years (168 quarters) currently to 43 years (172 quarters) by 2027, at the rate of one quarter per year. This extension was provided for by the Touraine reform of 2014, but on a less tight schedule, with an additional quarter every three years until 2035. The cancellation of the discount will remain maintained at age 67 for those who will not all have the quarters required.

Small pensions

The pensions of future retirees with a “full career” (43 years in the long term) cannot be less than 85% of the Smic, or around 1,200 euros gross per month at the time of the entry into force of the reform. Current retirees who meet the same criteria will also benefit from this revaluation. This should concern nearly two million small pensions, according to the government.

Employment of seniors

A “senior index” will be created to better understand “the place of employees at the end of their career”, and thus “value good practices and denounce bad ones”. It will be compulsory “from this year” for companies with more than 1,000 employees, a threshold lowered to 300 employees in 2024. Recalcitrant employers will be liable to financial penalties.

The rules for combining employment and retirement will be modified so that retirees resuming a professional activity improve their pensions, taking into account the additional quarters worked. Phased retirement, which allows you to spend two years part-time before retiring while receiving part of your pension, will be “flexible” and extended to civil servants.

Long careers

Those who started working early will always be able to leave earlier. Currently, starting a career before the age of 20 can allow an early retirement of two years, and entering the workforce before the age of 16 can give the right to an early retirement of four years.

This system will be “adapted” with a new “intermediate level”: those who started before the age of 20 will be able to leave two years earlier, i.e. 62 years old; those who started before the age of 18 will be able to claim their right to retirement four years earlier, i.e. 60; those who started before the age of 16 will be able to end their career six years earlier, i.e. 58 years. In this way, no one will be “forced to work over the age of 44”, according to the government.

Periods of parental leave will in future be taken into account, which will be “more just for women”, according to the government.


The professional prevention account already taking into account night work and other hardship criteria may be used to finance professional retraining leave.

Other criteria such as the carrying of heavy loads, painful postures and mechanical vibrations will be taken into account by means of a new “investment fund in the prevention of professional wear and tear”, which will be endowed with a billion euros “over the five-year term”. A specific fund will be created for the staff of hospitals, retirement homes and other medico-social establishments.

Among civil servants, the “active categories” including in particular the police, firefighters and nursing assistants will retain their right to early departure, given their “exposure to risks”.

Special diets

Most of the existing special schemes, including those of the RATP, the electricity and gas industries and the Banque de France, will be put into extinction, according to the “grandfather clause” already implemented at the SNCF: this will not concern than new recruits, who will be affiliated to the general pension scheme.

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