Long careers: decree, quarters, age... What changes with the pension reform?


Long careers: decree, quarters, age... What changes with the pension reform?

LONG CAREERS 2023. The pension reform project still seems vague regarding the long career system. The duration of the insurance and the safeguard clause raise questions in particular.

[Updated on May 11, 2023 at 9:11 a.m.] The government has spoken out on the first implementing decrees for the pension reform, in particular concerning long careers. People who started working before the age of 16 or before will be able to retire at age 58. Those who started before the age of 18 will be able to leave at the age of 60, and before the age of 20 at the age of 62. A new level at age 63 will be created for those who started their career before age 21 (5 quarters with contributions, 4 if you were born at the end of the year, valid for all levels). Little stolen, those born before August 31, 1963 will not have to work longer to leave earlier. It will simply be necessary to validate 168 quarters and 42 annuities of contribution, before September 1, 2023.

The pension reform must therefore come into force on September 1, 2023. And the first decrees supposed to list with clarity and precision all the changes in the rules, concerning long careers, have been sent to the Old Age Insurance Fund (Cnav). Unfortunately, according to a document consulted by Le Parisien, these texts would present several gray areas. Some of which could impact early retirement for long careers. Explanations.

Through the pension reform, the government promises a new system "adapted, so that no one who started working early is forced to work over 44 years". Find out the new retirement age, based on your age at the start of your career. Please note, 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:

At the heart of the highly controversial pension reform, the long career scheme is attracting attention. Indeed, it allows certain retirees who started their career early to benefit from early retirement, ie before the legal retirement age. And precisely, the pension reform plans to modify this system quite widely to allow more people to benefit from it.

Indeed, two new levels should be created. A new one at 18, so as to retire at 60, and another at 21, to retire at 63. As a reminder, the new legal retirement age should be set at 64 years old. To benefit from these early departures, it is necessary to present a complete career, i.e. 172 quarters and 43 annuities. Also, it is mandatory to have validated 5 trimesters before any age level, whether the old ones, or the new ones created by the reform.

Another important new feature for the long career scheme concerns people who have had a short career due to parental leave. These people could therefore validate up to four additional quarters 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).

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.