The pension reform and the postponement of the legal age that it brings have put early departure back in the spotlight. According to Retirement Insurance statistics reported by Les Echos, 30% of the 145,000 new withdrawals affected by the reform experienced an early departure for a long career, a share that is clearly increasing.
The pension reform, criticized for its main measure which gradually raises the legal retirement age from 62 to 64, also included compensation measures. In order to prevent those who started working early or even very early from being too penalized by the increase in the legal age and the extension of the contribution period, the reform has significantly revised and corrected the early career departure system. long.
Long career: what changes with the pension reform
Before the reform? Starting a career before the age of 20 (or more precisely having validated at least one full year of work before the end of the year you turned 20) could allow an early departure of two years, at 60 rather than 62, and a Entering working life before the age of 16 entitles you to early retirement of four years.
| Departure 60 years | Departure 58 years old | |
|---|---|---|
| If you are n… | You must have validated, before the end of your year 20 years… | You must have validated, before the end of your year 16 years old… |
| From January to September | 5 quarters | 5 quarters |
| From October to December | 4 quarters | 4 quarters |
Since the reform? This device has now been adapted with not two but four age limits: those who started working between 20 and 21 years old will be able to leave one year earlier, at age 63 (in fact, early departure at age 63 will only be of interest for those born after 1964); those who started before 20 years will be able to leave two years earlier, 62 years old, and those who started before 18 years will be able to exercise their right to retire four years earlier, i.e. 60 years old. Finally, those who started before age 16 will be able to stop working at age 58.
| Departure 63 years old | Departure 62 years old | Departure 60 years | Departure 58 years old | |
|---|---|---|---|---|
| You are n… | You must have validated, before the end of your year 21 years old… | You must have validated, before the end of your year 20 years… | You must have validated, before the end of your year 18 years old… | You must have validated, |
| Between January and September | 5 quarters | 5 quarters | 5 quarters | 5 quarters |
| Between October and December | 4 quarters | 4 quarters | 4 quarters | 4 quarters |
Attention: this table refers to the long-term situation, several years after the reform comes into force.
For early departures at age 62, the transition is progressive from 60 to 62 years.
THE early departure age 63 will be of interest only for those born after 1964: before, the legal age will be lower than 63, so this limit will be useless.
30% anticipated departures at the end of 2023, compared to 20% previously
At the end of 2023, 30% of new withdrawals affected by the reform left before the legal age thanks to this system, compared to 20% at the end of 2022, according to the National Old Age Insurance Fund, cited by The echoes. Until now, this share had reached a maximum of 25% for policyholders born between 1955 and 1957, Cnav said.
What is confirmed is the increase in the weight of long career files which will continue to grow
What is confirmed is the increase in the weight of long career files which will continue to grow, declared the director of Cnav, Renaud Villard, in The echoes. According to him, these first data seem to confirm the government’s forecasts, according to which 40% of French people are possibly affectedincluding people who are disabled or declared unfit.
At Cnav, the risk of industrial accident is avoided
At the time of drawing up this first assessment of the application of the reform, in force since September 1, 2023, Retirement Insurance has also registered several hundred files of people who will benefit from the new rules for combining employment and retirement allowing by reworking to acquire new rights and have their pension recalculated.
New employment-retirement combination: how much will you earn on your Cnav and Agirc-Arrco pensions?
In order, for the implementation of the concrete music of the reform, in Carsat and Cnav, the risk of industrial accident is avoided and the fund has come very well half of the way, even if part of the new rules remain implemented. work, according to Renaud Villard. Deadlines [pour liquider la retraite] decreased by 1 day, 70 days, added Renaud Villard, still in The echoes. (…) We maintained, or even improved, performance in a somewhat complicated period.
At what age can I retire? *
| Legal retirement age ** | — |
| Number of quarters required ** | — |
| automatic full rate age ** | 67 years old |
*As of 1er September 2023, the legal retirement age will be gradually raised by three months per year to reach 64 years in 2030, compared to 62 years today.
** Source: government pension reform project presented on January 10, 2023.
NB: This is a simplified simulator which presents general cases. For a personalized simulation, go to the simulator retirement info site.