► At what age will it be possible to receive a full pension?
In order to ensure the transition towards a generalized retirement at the age of 64 by 2030, the executive has put in place a timetable for the gradual extension of the retirement age, which will begin on September 1, 2023.
People born before August 31, 1961 are not affected by these measures. From the first half of 2023, people born between September 1 and December 31, 1961 will have to retire at age 62 and three months.
Then, for each generation, the departure will be delayed by three months (or one quarter) per year: people born in 1962 will be able to leave at 62 years and six months, then the 1963 generation at 62 years and nine months, and so on. .
► How many quarters will it be necessary to contribute to receive a full pension?
Another measure of the new reform wanted by the executive, the extension of the necessary contribution period, which will go from 42 years, or 168 quarters, to 43 years, which is equivalent to 172 quarters.
The rate of this shift will also be three months (or one quarter) per year: people born between September 1 and December 31, 1961 will have to contribute 169 quarters (i.e. 42 years and three months), the same for people born in 1962 Then people born in 1963 will have to contribute 170 quarters, then 171 for people born in 1964 and finally 172 quarters for people born in 1964.
From the generation of 1965, all employees will thus have to contribute 172 quarters to obtain their retirement pension at the full rate. The cancellation of the discount, it remains maintained at age 67 for those who have not validated all the required quarters.
► Who will be able to benefit from the “long career scheme”?
As part of the long career scheme, people who started working before age 16 will continue to be able to retire at age 58. The reform provides for a new threshold, so that workers who started their career before the age of 18 can leave at age 60. While those who started working between the ages of 18 and 20 will have the possibility of retiring at 62, two years before the legal age.
► Who is eligible for the professional prevention account (C2P)?
The pension reform bill provides for several measures for employees working in so-called “arduous” jobs. The executive thus wishes to open the rights to the professional prevention account (C2P) to a larger part of the employees. This C2P allows working people to accumulate points, available at the end of each year of “arduous” work. With these points, it is possible to bring forward retirement.
Several conditions have been enacted to benefit from it: working in the private sector, being affiliated to the general social security system, having an employment contract of at least one month and “being exposed to at least one risk factor beyond a certain threshold. These are the factors that the executive intends to alleviate in order to open up C2P to as many people as possible. For example, for employees who work at night, it would suffice to work 100 nights a year, compared to 120 today.