SPECIAL REGIMES. Many special schemes such as that of the RATP or the Banque de France will be abolished in the event of the entry into force of the pension reform. Who is concerned ? And the grandfather clause? We take stock.
[Mis à jour le 12 janvier 2022 à 11h52] Special schemes correspond to pension schemes for a certain category of employees. In particular the employees of certain large public companies: the SNCF, the RATP, EDF, or even the civil servants of the State and local communities. Currently, France has 15 of them. The fundamental difference between these schemes, compared to other pension schemes, lies in the legal retirement age, often less than 60, as well as in the contribution period, too. generally lower.
The 2023 pension reform presented by Elisabeth Borne on Tuesday January 10 will considerably modify these special schemes. Indeed, many of them will simply be deleted. Those of the RATP, the gas industries or even Engie will no longer exist if the reform comes into force before the end of the summer. Be careful however, this abolition of special regimes will only be valid for new hires, this is what is called: the grandfather clause. In other words, employees already in office will retain their benefits. New recruits will be affiliated to the general pension scheme from September 1, 2023.
The majority of special schemes allowing people to leave before the legal retirement age will disappear with the pension reform, from 1 September 2023. RATPthe branches of the gas industries (IEG), them Clerics and employees of notariesthe staff of the Bank of France and members of the Economic, Social and Environmental Council (Cese) will therefore see their special plans extinguished for new employees. On the other hand, the autonomous schemes which concern lawyers, the schemes for sailors, that of the Paris Opera and the Comédie Française will not be affected by this novelty relating to the pension reform.
Be aware that the shift in the legal retirement age will indeed affect workers in special schemes, in the same way as the extension of the contribution period. On the other hand, civil servants will still be able to benefit from a more advantageous method of calculation. In their case, the calculation of the retirement is established on the last six months of career, and not on the 25 best years.
On September 1, 2023, if the pension reform comes into force, several special schemes will disappear. But in reality, this deletion only concerns new hires. Current employees will retain this famous special regime. This is called: the grandfather clause.