Approved last April by the Constitutional Council, the pension reform provides, in particular, for the raising of the statutory retirement age and the extension of the contribution period to benefit from a full pension.
Note: These measures will apply to both employees and the self-employed.
At 64 years old with 172 quarters...
Currently set at 62, the statutory retirement age will be gradually raised to 64. Concretely, the retirement age will be increased by 3 months per generation, i.e., according to your year of birth (see the timetable below).
Note: This measure will apply to persons born on or after September 1
At the same time, the minimum contribution period for obtaining a full retirement pension will also gradually increase to 172 quarters (i.e., 43 years) for all persons born in 1965 and onwards (see the timetable below).
Note: People who apply to retire after age 67 will benefit from the full rate, regardless of their contribution period.
| Requirements for retiring at the statutory age | ||
| Year of birth | Statutory retirement age | Contribution period* required (in quarters) |
| 1961 (until August 31 |
62 years | 168 |
| 1961 (from September 1 |
62 years and 3 months | 169 |
| 1962 | 62 years and 6 months | 169 |
| 1963 | 62 years and 9 months | 170 |
| 1964 | 63 years | 171 |
| 1965 | 63 years and 3 months | 172 |
| 1966 | 63 years and 6 months | 172 |
| 1967 | 63 years and 9 months | 172 |
| 1968 and after | 64 years | 172 |
| *The contribution period here corresponds to all the quarters fulfilled by an insured person during his career. | ||
... Except in the case of early departure
As today, employees and self-employed workers who started working early will be able to benefit from early retirement for long careers. They will thus be entitled to the payment of their retirement pension from the age of 58, 60, 62 or 63 years old (see the timetable below).
Note: The new requirements for this scheme still must be confirmed by a decree. They will apply to pensions awarded from September 1
| Requirements applicable to early retirement of long careers | ||
| Retirement age | Contribution period* required (in quarters) | Of which 5 quarters** fulfilled before the end of the calendar year of |
| 58 years | 172 | 16 years |
| 60 years | 18 years | |
| 62 years | 20 years | |
| 63 years | 21 years | |
| * The required contribution period for early retirement of long careers includes only the quarters for which old-age insurance contributions have been paid and, in particular, the quarters supplemented for maternity, sickness (up to a maximum of 4 quarters), unemployment benefit (up to a maximum of 4 quarters) and national service (up to a maximum of 4 quarters). ** This number is reduced to 4 quarters for persons born in the last quarter of the calendar year. |
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In addition, at present, persons with a permanent disability related to an accident at work or an occupational disease or disability may benefit from early retirement. This will continue to be the case for pensions awarded as of next September 1
| Requirements for early retirement due to disability, incapacity, or incapacity | ||
| Data subjects | Retirement age | Requirements |
| Persons with disabilities | From 55 years | - Minimum contribution period (to be specified by decree) - Permanent disability rate of at least 50% during the contribution period |
| Persons with a permanent disability related to an occupational disease or accident at work | 60 years | - Permanent disability rate of at least 20% |
| 62 years | - Permanent disability rate of less than 20% but at least 10% - Exposure to one or more occupational risk factors (duration to be specified by decree) - Established link between exposure to occupational risk factors and permanent disability |
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| Persons recognized as unfit for work or permanently disabled | 62 years | - Unfitness for work or - Permanent incapacity (rate to be specified by decree) not allowing to benefit from an early departure under another scheme |
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Crédits photo : Copyright (C) Andrey Popov