While the pension reform must be implemented at the start of the school year, it is time for accounts for many future retirees, who would like to know if they will be able to retire with a little advance. Indeed, in the case where you started working early, it is not necessarily necessary to wait for the new threshold of 64 years to bow out; according to the measures validated as part of the long career scheme. It is therefore better to patiently count your terms in order to hope to leave earlier than expected. Explanations.
Despite the means raised by the French, the unions or the opposition, nothing could prevent the pension reform from being adopted and then promulgated. Inflexible, the executive has chosen to pass the text in force in order to implement it from the start of the next school year. On the program, the raising of the legal retirement age, which goes from 62 to 64, but also the increase in the duration of insurance, now fixed at 43 annuities, worry the French. Some of them hope to slip through the cracks and play their early professional debuts to leave earlier.
Thus, for the French who started working early, the reform modifies several important points to know. The two age limits that already existed will thus evolve into four different ones with thresholds established at 16, 18, 20 and 21 years old. For example, if you started working at 16 and want to leave at 58, you will need to have validated, before the end of the year of your 16th birthday, five terms if you were born between January and September. Only four trimesters will be needed if you were born between October and December.
Despite a young career start, it is still necessary to have contributed every quarter. The extension of the contribution period also applies to long careers with 172 quarters required if you were born in 1965 or later. If, in this case, you have also had a career with interruptions, you will have to combine all of these quarters in order to be able to take early retirement.
As for the quarters, we are indeed talking about “deemed contribution” quarters, which generate a less generous statement than the validated quarters, but nevertheless more flexible than the contribution quarters, that is to say, worked. It can nevertheless be difficult to find the quarters “deemed to be assessed” since they are not really indicated anywhere: the individual statement of situation does not provide an answer to this question because only one total of quarters appears.
To take stock of your rights to a departure under the long career scheme, you must study your trimesters in detail. To do this, you have to dissect your years worked and your years of unemployment to determine which quarters have been validated and which ones remain deemed to be assessed. If it is possible to take stock with your Carsat, the services are currently overwhelmed with the number of requests.
Two tips are however given by our colleagues from Moneyvox with the prospect of consulting your career statement on Retirement Insurance and observing the distinction made between the quarters. It is thus possible to compare your assessed or validated quarters. You can also use the Info-Retraite simulator: “My retirement estimate”, in order to know, more simply, if you are eligible for the long career scheme.
