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At what age will you be able to retire with the new rules of the reform? [Infographie]


At what age can you retire? How many quarters will you have to contribute? It all depends on your year of birth.

Legal retirement age raised to 64 by 2030

The central point of the pension reform unveiled on Tuesday by the government, the one which focuses all the attention and which is put forward by the unions and the opposition to denounce this text, is the decline in the retirement age, from 62 years currently (a measure which was voted in 2010) to 64 years, in 2030. The main assets penalized by this measure are those who are now approaching 62 years and who had planned to liquidate their rights in the more or less short term .

The first generation affected by the universal scheme will be those born in 1961. For this generation, the retirement age will be pushed back from 62 years to 62 years and 3 months from September 1, 2023. It will then increase quarter per year until 2027 to reach the age of 64. In 2030, French people born in 1968 will be the first to retire at age 64.

Early departure for long careers

Some working people will still be able to benefit from an early departure if they entered working life early, with the long career scheme. Workers who have validated five terms between the ages of 18 and 20 will be able to leave from the age of 62 (currently 60). People who started their career between the ages of 16 and 18 will be able to liquidate their rights four years before the legal age, from the age of 60. Finally, those who started before the age of 16 can always leave from the age of 58.

In addition, current employees of special schemes who benefit from an early departure, at 52 or 57, will still be able to leave earlier than workers under the general scheme, but their departure will be gradually postponed by two years, from 2025. A major change also for new recruits from September 1: they will no longer be affiliated to a special scheme, but to the general scheme.

More quickly towards 43 years for the full rate

Add to the age element, that of the number of annuities claimed to receive retirement at full rate. The Touraine reform of 2014 – initiated since 2020 – gradually increased this number of annuities from 41.5 years to 43 years of contributions, at the rate of one quarter more per year until 2035 (172 quarters for the generation born in 1973).

The government does not intend to increase the number of quarters required but plans to accelerate the application of the Touraine reform. The 43 years of contributions will thus apply from the 1965 generation. Workers born between 1965 and 1972 thus lose out from the announced reform because they will be fully concerned by this acceleration of the Touraine reform.

It should be noted that for active workers who have not contributed enough during their career, they will all be able to retire at age 67, which remains the retirement age at the full rate regardless of the number of quarters contributed.

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