Macron-style retirement, as if you were there. After presenting Tuesday, January 10 the main lines of the pension reform, and formalizing its wish to push back the retirement age to 64 years, by 2030, the government unveils, the same day, an online simulator (to be found here), to materialize the changes wanted by the executive. Pending the start of debates in Parliament, “am I concerned” promises to specify the minimum retirement age, and the rate, according to a set of criteria, the number of quarters worked, and the profile of the person.
A tool, which also allows the government to communicate, in the hope of reassuring. If the reform is presented as “essential” and “vital” by Emmanuel Macron – “If we do nothing, the deficits will widen, which will inevitably lead to a drop in purchasing power”, insisted Elisabeth Borne , on France 2 on Tuesday -, the Prime Minister also insisted on social progress, such as the revaluation of small pensions, soon to be increased to 1,200 euros gross (before CSG) per month for a full career. A sign of the questions surrounding this reform, the site was temporarily inaccessible due to too many consultations.
After checking that you are not already retired – the increase in the retirement age obviously does not concern this category of people – the simulator asks you to specify your professional activity. If you are an “active category civil servant”, for example, and more specifically in the public hospital service, let’s say childcare worker, the reform does not apply to you if you were born before August 1966. Born in January 1970? “Your legal starting age for this activity will be set at: 58 years and 3 months. The number of quarters required to be entitled to the full rate for this activity will be set at: 172 quarters”, specifies the site.
A simulator that also indicates pension increases
A person born after September 1, 1961 – age group from which the reform, if passed as it stands, will begin to apply – in January 1970 for example, having contributed 4 or 5 semesters before 18 years, may leave at age 60, provided they have contributed 176 quarters. This is an “early retirement, for a long career”, a point particularly watched by the LR group in the National Assembly, which wants to prevent people who have worked very young from having to postpone their retirement too much. If no quarter has been contributed before 20 years, the departure at full rate can be done at “64 years”, or “172 quarters”, specifies the site.
For people not affected by the reform, the site is careful to specify: “Certain elements of the reform may however apply if you retire after the entry into force of the reform. This will be the case, for example: increase in minimum pensions; the evolution of progressive retirement; or the creation of new rights for periods of combined employment and retirement”.
In parallel with the postponement of the retirement age, the government has announced its wish to increase the employment rate of seniors. The executive hopes to change the behavior of companies with a “senior index”, like the gender equality index. It will have to be implemented by companies with more than 1,000 employees from 2023 and by those with more than 300 employees in 2024 and “will make it possible to promote good practices and denounce bad ones”, according to Prime Minister Elisabeth Borne.