LONG CAREERS 2023. If you started your career before the age of 21, you will certainly be able to benefit from the long career scheme and retire a little earlier? How many trimesters do you need to have validated? At what age can you retire? We explain to you.
[Mis à jour le 23 mars 2023 à 11h48] Among the major changes of the pension reform, that of long careers. Good news if you started your career at 16, 18 or 20, this early retirement scheme is maintained. If some adjustments have been made with the reform, here are the conditions that do not change:
- you must have validated 43 annuities and 172 quarters (full career);
- it is essential to have contributed 5 quarters before any age level.
The biggest change planned in the pension reform concerns the age of the start of a career with two new age levels created: 18 and 21 years. Here are the new milestones to keep in mind:
- if you started working before age 16, nothing changes, you can retire at age 58;
- if you started working between the ages of 16 and 18, your retirement will be at age 60 ;
- if you started working between the ages of 18 and 20, your retirement will be at age 62 ;
- if you started working between the ages of 20 and 21, your retirement will be at age 63.
The other major novelty for the long career scheme concerns people who have had a career cut short due to parental leave. These people could therefore validate up to four additional trimesters in this situation. These periods would also be counted in the calculation of the increased minimum pension, which should increase the amount of small pensions for certain women, forced to put their careers on hold to take care of their child(ren).
Today, to benefit from early retirement for a long career, you must have started working before 20 years or before 16 years old. Two very distinct thresholds. You should also know that two other conditions must be met. 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 should significantly modify the system by creating two new levels. A first to 18 years old, making it possible to retire at age 60, four years earlier. A second, to 21 years oldmaking it possible to retire at age 63, i.e. 1 year earlier than the new legal retirement age set at 64 by the reform. The creation of the threshold at 21 should allow 300,000 additional people to retire earlier.
Through the 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 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
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.