Before the reform, there were systems allowing certain insured persons to leave before the legal retirement age:

With the increase in the legal retirement age to 64, what will become of these measures relating to early departures? Law 2023-270 of April 14, 2023 includes measures concerning new versions of early retirement schemes.

The start of the legal retirement age is gradually being pushed back from 62 years to 64 years from September 1, 2023 and until 2030. From the 1968 generation, it will thus be necessary to have contributed 172 quarters (43 years ) and have reached the age of 64, to claim payment of his full pension. There are currently measures allowing people who started working very early to retire early. What is the impact of the reform on this “long careers” system? The law provides that the “long career” system will be adapted so that insured persons who started working early do not exceed 43 annual contributions. Thus, 4 age limits have been put in place compared to only 2 previously (16 and 20 years old):

The possible starting age will depend on both:

The amount of the pension based on the gross net salary remains at approximately 50%.

The early retirement scheme for disabled employees is maintained. It will still allow early retirement from the age of 55 since the law provides that the legal retirement age is lowered to 9 years for people with disabilities. In addition, new developments are planned with the reform. Indeed, under the old system, early retirement was subject to three cumulative conditions:

The law of April 14, 2023 removes the double condition of total duration of insurance and contribution period, to retain only the condition of contribution period. There is therefore only a double condition: a contribution period and a justified disability situation over this period. In addition, some people who are unable to prove a permanent incapacity of 50% over the entire required contribution period have access to a retroactive validation procedure. This is to be initiated with the commission placed with the CNAV. The reform aims to simplify access to this procedure by reducing the threshold of permanent incapacity required at the time of the request for liquidation of the pension allowing commission: from 80% to 50%.

Under the old system, under certain conditions, insured persons with a permanent disability rate of at least 10% could retire from the age of 60, i.e. 2 years before the retirement age. legal. They benefited from the automatic full rate even if the required duration of insurance was not reached. The system is maintained but adjusted by the law of April 14, 2023 according to the PPI rate:

The employee whose online payslip contains this information can claim this simplified procedure.

Under the old system, insured persons with a permanent disability rate of at least 50% or recognized as unfit for work by social security could retire at the legal age (62 years) with the full rate, even if they did not have the required duration of insurance. With the raising of the legal retirement age to 64, the law creates a new early retirement age, specific to these insured persons. They will thus be able to continue to retire at age 62 with the full rate despite the increase in the legal retirement age. In fact, disability gives rise to early retirement with the automatic full rate at an advanced age of 2 years in relation to the legal retirement age, i.e. 62 years.

The professional prevention account (C2P) is complementary to the early retirement scheme for long careers. The employer must declare the employees exposed to at least one factor exceeding the threshold set by the C2P. The employee then benefits from a C2P account via which he can accumulate points which will be used to finance professional training, to benefit from a reduction in working time or to validate quarters of retirement. The law of April 14, 2023 maintains the possibility of validating up to 8 quarters of pension insurance with the C2P. The employees concerned will still be able to benefit from an early departure of 2 years, for retirement at 62 instead of 64. In addition, the quarters of retirement acquired under the C2P will be taken into account in determining the duration of the insurance.

Conclusion: The measures concerning pensions will come into force from September 1, 2023. However, the various early retirement schemes have yet to be the subject of implementing decrees which will set the detailed terms and conditions.

Aurora R.