Do you know your rights? In terms of retirement, it is clear that the French and the French are relatively uninformed. This lack of knowledge is by no means trivial, as Planet explained in its exclusive file on the question: it generates a certain number of apprehensions – even anxieties. Most of them fear a loss of income, rightly so, after the cessation of activity. Fortunately, the latter is often compensated by lower charges, which allows retirees to display, overall, a better standard of living than the rest of the population.
Among the rights that retirees (or those approaching retirement) are less familiar with is phased retirement. It is, as the teams of the French administration specify on the site of the public service, a device allowing, at the end of the career, “to reduce its professional activity”. “You receive the salary corresponding to your part-time activity and part of your pension (basic and supplementary)”, can we still read on the platform, which also specifies that it remains possible to create new rights with this system. It is only from the definitive cessation of activity that it is no longer possible to acquire pension rights.
The calculation of the provisional retirement, which is paid to the active worker or to the active worker who opts for progressive retirement, depends on the rights acquired at the time of the request. “The provisional retirement is calculated according to the same rules as a permanent retirement according to your number of quarters of pension insurance and your average salary during your 25 best years, can we still read on the site.
At least… For former employees of the private plan. What about civil servants?
The progressive retirement system does not exist for civil servants. As is often the case, the conditions and methods of retirement differ between workers in the private sector and those in the public sector. Instead, the latter have long had access to another device: the gradual cessation of activity (CPA). Each eligible civil servant then had the choice between two distinct options, says Retirement in plain English, on its site: work 80% of full time for two years, before reducing to 60%. This then allowed him to receive 70% of his gross salary. For those who wanted to work less, it was also possible to opt for a 50% part-time job, accompanied by a 60% salary.
Note: the time spent in CPA counted as full time in terms of contributions, but it was not taken into account in the same way for the calculation of the retirement pension.
Are they still eligible today?
The device for the gradual cessation of activity no longer exists today, recalls the specialized site from the outset. It was abolished in 2011, except for individuals who qualified for it at that time. From now on, only non-tenured agents of the State, local authorities and public establishments can claim such a system. They are entitled to progressive retirement, in the same way as employees.
During the previous mandate, while defending the reform of the pension system towards a fairer model, Emmanuel Macron supported the extension of the progressive retirement system to civil servants.