LONG CAREERS 2023. Despite the long career system, some will be forced to work longer with the pension reform. Who are the losers? What are the new conditions? Explanations.
[Mis à jour le 30 janvier 2023 à 08h12] The pension reform project presented on January 10, 2023 by Elisabeth Borne and her government contains a fundamental change in the system for long careers, with the creation of a third threshold, at 18, to allow people who started their career before this minimum age to retire earlier. In this case, at age 60. To do so, it will be necessary to have contributed 43 annuities, and 172 quarters (including 4 or 5 before the age level). Please note that the gradual increase in the legal retirement age from 62 to 64, by an additional quarter per year, will have significant consequences for some people. Let’s take the example of Carla, born in 1973 and having started working at the age of 17. Currently, she can leave at age 60 at full rate, if she has validated 43 annuities. With the pension reform, she will have to contribute 44 annuities (one year of increase), for a departure at 61, and no longer 60. Also, she will have to contribute 176 quarters, and no longer 172. What give the executive a hard time to pass the text, and grain to grind to the opposition to challenge this project. The next debates in the National Assembly and the Senate promise to be explosive.
Through this pension reform, the government promises a reform “adapted, so that no one who started working early is forced to work over 44 years”. 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 ans : if you started working at 14 ans
- 59 ans : if you started working at 15 ans
- 60 ans : if you started working at 16 ans
- 61 ans : if you started working at 17 ans
- 62 ans : if you started working between 18 and 20 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.
Another potential novelty, to compensate for chopped 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.