Since the 2023 pension reform, the conditions for access to early retirement in the event of permanent incapacity have been relaxed. If you meet the required conditions, you can then retire at the age of 60, or two years before the legal age, regardless of your number of quarters contributed. Here are the conditions to meet before making your request.
What are the advantages disability retirement ?
If you are already receiving a disability pension while you are working, then your disability allows you to apply for early full retirement. For this, there are two scenarios.
Either your rate of permanent incapacity for work has been recognized by the occupational physician as between 10 and 19%. In this case, you can submit a request for early retirement two years before the legal retirement age if:
- you have been exposed for at least 17 years to professional risk factors linked to physical constraints, a pace of work, the arduousness of an aggressive environment, etc.;
- your incapacity is indeed due to your work.
Either you receive a disability pension with a rate greater than or equal to 20% and you can request to retire at 60%, regardless of the number of quarters that you have contributed to the general scheme for employees, agricultural employees or agricultural non-employees. You simply need to fill out a form and attach the requested supporting documents.
What is the amount of retirement when you are disabled?
In the context of disability and retirement, be aware that your retirement pension will take over from that for permanent incapacity. And to know how much retirement to expect after a disability pension, the calculation is simple. Your retirement pension is at the full rate, regardless of the number of quarters of Retirement Insurance. That is to say, it corresponds to the maximum rate of 50% of your average annual salary during your best 25 years.