LONG CAREERS 2023. The pension reform provides in some cases for retirement at age 60 if you started working before age 18. All the conditions you need to know to benefit from the new long career scheme.
[Mis à jour le 12 janvier 2022 à 14h42] What will be the new mode of operation of long careers if the pension reform comes into force in the summer of 2023? In reality, the government has only decided to go back on part of this system allowing people who started working early to benefit from a specific status so as to leave several years before the legal age. “We will create an intermediate level for those who started working before the age of 18” explained Elisabeth Borne, Tuesday January 10, during the presentation of the reform. But then, what is this new intermediary which will modify the retirement of thousands of contributors?
From now on, people who started working before the age of 18 will be able to leave 4 years before the legal age, from the age of 60, if they have contributed for 44 years. People who started working at age 15 will now be able to leave at age 59, and up to age 58 for those who started working at age 14. Finally, women who have benefited from parental leave will be able to report it and take advantage of the long career system. In other words, they will be able to validate up to four quarters in this situation. Enough to allow more than 3,000 women to leave earlier. With the pension reform and the lowering of the legal retirement age to 64, the government therefore wishes to strengthen and consolidate the long career system, allowing one in five French people to leave early.
Through this pension reform, the government promises a reform “adapted, so that no one who started working early is forced to work over 44 years”. Here is the new retirement age, based on your starting age. Please note, to benefit from this early departure, it is mandatory to have validated at least 5 terms before the age of 20:
- 58 years old : if you started working at 14 years old
- 59 years old : if you started working at 15 years old
- 60 years : if you started working at 16 years old
- 61 years old : if you started working at 17 years
- 62 years old : if you started working between 18 and 20 years old
To benefit from early retirement for a long career, you must have started working before 20 years. Two other conditions prevail. First, your pension insurance period must include, all compulsory basic schemes combined, a minimum number of quarters contributed. Also, you must have acquired a minimum number of quarters of retirement insurance at the start of your career. These 2 conditions for the duration of pension insurance vary according to your year of birth, the age from which you started working and the age from which you plan to take early retirement.
The 2023 pension reform slightly modified the system for long careers by introducing a new threshold, set at 18 years. From now on, if you started working before the age of 18, it will be possible to retire at age 60, i.e. four years earlier (if you contributed at least 44). As mentioned above, the earlier you started working, the earlier you can retire.
The national pension fund for local authority employees (CNRACL) is the pension fund for the basic scheme of local government and hospital employees. It is a public administrative institution of the State, it is managed by the Pensions and Solidarity Department of Caisse des Dépôts. Note that the conditions for obtaining a “long career” pension are exactly the same as for other civil servants.