A step back that should make people happy. As expected, the opening age of the right to progressive retirement will be fixed again at 60 years. While with the entry into force of the last pension reformthe age terminal required to take advantage of this device had to gradually increase by one quarter per year to reach 62 years for the 1968 generation and the following, it will therefore be possible to benefit from 60 years from September 1, 2025.
If this condition therefore evolves favorably, the other criteria do not change. “You must always have validated 150 quarters at least at 60 and obtain the agreement of your employer, which must, if necessary, justify your refusal”specifies Marilyn Vilardebo, president and founder of Origami & Co, Audit and retirement consultancy for business leaders, liberals, craftsmen and merchants and private managers. If these elements are brought together, the worker – of the private, independent, of a special regime, of the State civil service, employee or agricultural employee, liberal profession, lawyer, agent of local authorities and workers of state industrial establishments – can therefore claim the gradual retirement. That’s to say part -time (from 40% to 80% of its current working time) and Perceive part of his pension. The whole, by continuing to contribute for his future retreat and, therefore, by constituting new rights.
No consequence or almost on the amount of retirement …
If you check these boxes, a question arises, or rather several. Do you have an interest in activating this working time planning on your end of career? Are you going to lose big on the amount of your retirement pension? On your income between the start of your gradual retirement and the final liquidation of your pension? “Whether with the current system, two years of progressive retirement, or by being in gradual retirement from 60 years to 64 years, there is almost no impact on the amount of the retirement pension, which drops only a few tens of euros”says Marilyn Vilardbo.
And indeed, the simulations made by origami & co for Capital prove that the amount of the pension is almost not impacted by a progressive retreat. For example, an employee who receives 1,800 euros gross per month and liquid for his retirement at 64 with 43 annuities (172 quarters) – and therefore the full rate – will receive a total pension (at the general regime + Agirc-Arrco) of 1,240 euros gross per month. With a gradual retirement between his 60 and 64 years, his pension will be 1,224 euros gross. Or a loss of only 16 euros per month. And the gap is barely higher for an employee with a monthly remuneration of 3,300 euros gross: with a retirement at 64, he will receive a gross pension of 2,067 euros, against 2,041 euros after his progressive retirement, and always for a departure at 64 years. A difference of 26 euros which is only 1.2% of the amount of his pension. For an employee paid 10,000 euros gross per month, without progressive retirement, his pension at the time of the liquidation at 64 years will be 5,870 euros, while she will drop to 5,628 euros after four years gradually retired, from 60 to 64 years. A minimal shortfall of 242 euros per month.
… but beware of loss of income during gradual retirement
With gradual retirement, no risk therefore to see your pension fall in relation to what it should have been without taking advantage of this device. Because do not forget that during the part -time phase corresponding to progressive retirement, You continue to contribute for retirement. Work less to win so much or almost, in short! A true observation for the amount of the pension, but much less with regard to income received during part -time.
Let us return to our example of an employee paid 10,000 euros gross: “With a part -time time of 50%, he will win 5,000 euros gross during the progressive retirement phase and receive in parallel 50% of his retirement (5,628 euros)”details Marilyn Vilardebo. For a total of 7,814 euros gross. Or almost 2,200 euros gross less each month. With a salary of 3,300 euros gross, a worker will only receive 2,670 euros in total (50% x 3,300 + 50% x 2,041), when an employee paid 1,800 euros gross per month will only receive 1,512 euros gross (50% x 1,800 + 50% x 1,224). A ditch of 288 euros gross per month everything except painless at this level of income. In order not to have a unpleasant surprise, remember to weigh the pros and cons before asking to take advantage of the gradual retirement, if necessary by soliciting the services of a retirement expert.
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