LONG CAREERS 2023. To pass its pension reform text, the government is counting on the support of Les Républicains deputies. Problem, it gets stuck on long careers. Explanations.
[Mis à jour le 3 février 2023 à 08h07] Will the government get support from Republicans ? Nothing is less about both the campEric Ciotti seems divided on the question of pensions. To get this pension reform through without resorting to 49.3, the majority must benefit from an absolute majority in the National Assembly, and therefore, frank support from the right (around forty votes out of 62 Republican deputies). For now, nothing has been done. Between 15 and 20 parliamentarians of the LR group are opposed to the reform, and more particularly to the aspect of long careers. In question, the extension of the contribution period for certain people, obliged to contribute for 44 years, and not 43 years as announced in the text of the pension reform presented by Elisabeth Borne last January 10.
The reform project plans in particular to create a new level for people who started working before the age of 18. This threshold would allow them to retire early, at the full rate at age 60, provided they have contributed 5 quarters before this age and have worked 43 annual installments and 172 quarters. However, some will be forced to contribute for 44 years. Explanations. A woman born in 1973 and having started working at the age of 17 can currently leave at the age of 60 at full rate, if she has validated 43 annuities. With the pension reform, she will have to contribute 44 annuities (one year of increase), for a departure at 61, and no longer 60. Also, she will have to contribute 176 quarters, and no longer 172. Women could also be among the losers. According to a government impact study, a woman will have to work on average 7 months longer with the reform, compared to 5 additional months for men. And up to 9 months longer for a woman born in 1972, four months longer than a man.
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. Attention, to benefit from this early departure, it is mandatory to have validated at least 5 terms before the age of 20, 4 if you were born at the end of the year:
- 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
The pension reform will now be presented in the hemicycle on February 6, 2023 for two weeks of debate. The discussions, they must end no later than March 26, according to the temporal rules defined by a bill for the amending financing of Social Security (PLFRSS).
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 level, 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.
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(ren).
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.