LONG CAREERS 2023. The pension reform project plans to create two new levels, at 18 and 21, to benefit from the long career scheme. On the other hand, some will have to contribute until the age of 44. Explanations.
[Mis à jour le 9 février 2023 à 08h06] The pension reform project carried by the majority is subject to strong disputes. In particular, it plans to create a new level at 18 years oldto expand the long career scheme. In other words, a person who started working before this age will be able to retire earlier, at age 60, provided they have contributed 43 annuities and 172 quarters, + 5 quarters before their 18th birthday. Elisabeth Borne also indicated that a level at 21 years old could be set up to retire at age 63. A measure which was not part of the first text, and which could allow the government to rally certain deputies The Republicans to his cause, with a view to the adoption of the text in the National Assembly. As a reminder, the executive only has a relative majority, and is obliged to forge alliances. Another option, the passage in force with a recourse to theArticle 49.3 of the Constitution. Another problem, the decline in the legal age of departure from 62 to 64 years should make losers. Indeed, the contribution period could increase from 43 to 44 years for some, despite having started working early. Let’s take a concrete example. A woman born in 1973 and having started working at the age of 17 can currently leave at the age of 60 at the full rate, if she has contributed 43 annuities. With the pension reform, she will have to contribute 44 annuities (one year increase), for a departure at age 61, and no longer 60. Also, she will have to contribute 176 quartersand no longer 172.
Through this pension reform, the government promises a new device “adapted, so that no person who started working early is forced to work over 44 years”. But the system of long careers appears to be the main point of contention between the majority and the opposition. So much so that the Prime Minister has already let go of the ballast, by agreeing to grant an early departure at 63, for those who started working before 21 years old. The maximum threshold was until then at 20 years. A concession like an outstretched hand to the Republican deputies, who appear to be the only alliance solution for the majority, with a view to adopting the text without forcing it through with the help of a possible 49.3. This gesture on the part of the number 2 of the government concerns 30,000 people, and could cost between 600 million and 1 billion euros per year
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
- 63 years old : if you started working before 21 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 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. On the other hand, women could 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.
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.