The President of the Republic could not have been clearer. In the future, in theory by the beginning of the summer of 2023, it intends to initiate the transformation of the French intergenerational solidarity model. This involves, as Elisabeth Borne had the opportunity to recall during her general policy speech given to parliamentarians at the Palais Bourbon, delaying the legal retirement age. It is currently set at 62 and should gradually increase to 65, as Planet has already explained. This is enough to worry a number of experts, who do not fail to point out how much the job retention of seniors can pose a problem today. “What to do with white hair”, underlines Capital…
The fact is, indeed, that certain periods of the career are not as profitable as others. It is not only a question of remuneration, even though that counts a lot, but also of rights. Working, as soon as the work carried out gives rise to payment and contributions, makes it possible to acquire rights with a view to retirement. What about unemployment, which unfortunately a certain number of former workers are experiencing who are approaching retirement age? What about dismissal, which regularly precedes such a phase?
In fact, a dismissal can allow the obtaining of rights with a view to retirement. And for good reason ! As Notre Temps indicates, it is possible to receive compensation, paid for notice, to compensate for paid leave not taken or simply because of the breach of contract. As long as they give rise to the payment of social contributions, they also allow the obtaining of pension rights.
Unemployment also, explains Planet, makes it possible to validate quarters of retirement. Be careful, however: these trimesters differ from those acquired by working. These are so-called “assimilated” and not “assessed” rights. Consequently, they make it possible to claim the full rate in that they inflate the working time recorded, but do not allow the amount of the retirement pension paid to be increased. So don’t expect to get a premium.
You must be able to justify 50 days of unemployment to validate an assimilated quarter. Another important detail: unemployment benefits are not included in the calculation of your average annual salary (SAM).
Therefore, it seems obvious that certain passages in a career may seem more detrimental than a period of unemployment which is not too long. This is the case for some part-timers, for example…
The worst periods for retirement are therefore those which generate low earnings in terms of quarters. Because the remuneration is too low to allow obtaining these, for example.
This is often the case for workers paid less than the hourly minimum wage, since it is on the basis of the latter that the level necessary to obtain a quarter of contributions is calculated. You must earn at least 150 times the hourly minimum wage per year to validate a quarter. Some part-time workers therefore struggle to obtain them.
In general, precarious workers, particularly when they have a choppy career and significant periods of unemployment, struggle to justify the number of quarters required to obtain the full rate.
Finally, explains Capital, some youth or subsidized contracts generate significant shortfalls. Therefore, the risk of bad surprise exists…
