LONG CAREERS 2023. The pension reform project should allow the creation of a new threshold for contributors who started working at 18 years old. Conditions, changes… We take stock.
[Mis à jour le 18 janvier 2022 à 08h06] The long career scheme is one of the pillars of the government’s pension reform project with the lowering of the legal retirement age to 64 years. If it were to come into force, from the summer of 2023, a new threshold for people who started working at 18 years old would be created to enable them to consider a early retirement at age 60, i.e. four years before the new legal retirement age. Subject to having contributed for 44 years, or 172 quarters with the reform. Another potential novelty, to compensate for choppy careers, the periods validated under the old-age insurance for stay-at-home parents (AVPF), in particular due to parental leave, could be part of the long career system. The persons concerned could therefore validate up to four additional quarters in this situation. Periods which would also be counted in the calculation of the increased minimum pension. This should increase the amount of small pensions for some women, forced to put their career on hold to take care of their child.
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
Problem, with this reform, some will have to contribute one year more than the others. Today, if you were born in 1973 and you started working at the age of 17, you can then leave at the age of 60 at the full rate, having validated 43 annuities. But with the reform and the new rule of 44 annuities, the departure will be delayed to 61 years old at full rate, still having started his career at 17 years old. That’s a year older than today.
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.