Long careers: what new conditions with the pension reform?

“Long careers: what new conditions with the pension reform?”

LONG CAREERS 2023. With the pension reform project, the long career system will undergo some major changes. In particular, the creation of two new levels at 18 and 21 years old. All the details.

[Updated; day 7 March 2023   10:33 a.m.]The system of long careers now allows 1 French out of 5 benefit from a departure at early retirement. With the pension reform, the government intends to go further, and strengthen this provision to allow as many people as possible to benefit from it. This is why the government wishes to create a new level at 18 years, allowing those born before this age benefit from an early start; to 60 years old. Also, a threshold at 21 years should see the light of day  63 years old (one year earlier than the new legal age set at 64 by the reform). Remember that to benefit from long careers it is necessary to have started to working early (before age 20), having contributed 5 quartersbefore this age and to have validated 43 annuities and 172 trimesters(full career). Prerogatives which also apply to the new thresholds provided for by the reform. The creation of the threshold at 21 years should allow 300,000 more people to leave earlier retirement. The text of the pension reform, as a whole, is examined. in the Senate from 2 to 12 March 2023.

At what age do you start with the pension reform for a long career?

Through this pension reform, the government promises a new “adapted” device, so that no person who has started to working early doesn’t be forced to work over 44". 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 dropped ballast, agreeing to grant an early departure; to 63 years old, for those who started to working before age 21. The maximum threshold was until then at 20 years. A concession like an outstretched hand to the deputies Les Républicains, who appear to be the only alliance solution for the majority, with a view to adopting the text without forcing to 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 starting age at retirement, depending 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 trimesters before age 20, 4 if you were born; at the end of the year:

• 58 years : if you started to working at  14 years
• 59 years : if you started to work at 15 years
• 60 years: if you started to work at 16 years
• 61 years: if you started to working at  17 years
• 62 years : if you started to work between 18 and 20 years
• 63 years old: if you started to work before 21

What are the conditions for receiving a long career pension?

To benefit from an early retirement for a long career, you must have started to work before age 20. Two other conditions prevail. First, your pension insurance period must include, all compulsory basic schemes combined, a minimum number of quarters of contributions. Also, you must have acquired a minimum number of quarters of pension 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 at from which you started to work and age to work from which you plan to take early retirement.

The 2023 pension reform has slightly modified the system of long careers by establishing a new level, fixed to 18 years old. From now on, if you have started to work before the age of 18, it will be possible to leave at; retirement at; 60 years old, four years earlier. As shown the higher, the more you started to work early, the sooner you can leave. retirement. On the other hand, women could be among the losers. According to a government impact study, a woman will have to work on average 7 months longer with the reform, compared to 5 additional months for men. And until 9 months older for a woman born in 1972, four months older than a man.

Another potential novelty, to compensate for career cuts, is the periods validated under the old-age insurance for stay-at-home parents (AVPF), in particular due to leave. parental, could be part of the long career system. The persons concerned could therefore validate until four additional trimesters 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).

Long careers and CNRACL

The national pension fund for local government officials ( CNRACL) is the pension fund for the basic scheme of territorial and hospital civil servants. It is a public administrative establishment of the state, it is managed by the Directorate of Pensions and Solidarity. of the Caisse des Dôts. Be aware that the conditions for obtaining a “long career” pension are exactly the same as for the other civil servants.

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