Retire before the legal age, currently set at 64 years old for people born from January 1, 1968, remains possible in several situations provided you complete the precise criteria. These schemes mainly concern policyholders who started working young or whose health has deteriorated during their career. “ There are several typologies of early departuresthose for long career and those for health reasonthe first case being the most frequent », underlines Valérie Batigne, president of Sapiendo Retraite.
Early departure for a long career is in fact the most used system. It is based on two requirements: having started his professional life early enough and have accumulated a sufficient number of quarters of contributions at the time of departure. Depending on your year of birth and your professional history, your starting window can vary from 58 to 63 years. But be careful: only quarters actually contributedand some equivalent quarters within the authorized limit, are counted. A nuance that can make you lose eligibility conditions if it is neglected.
Early departures for health reasons: disability, incapacity and hardship
Early departures for health reasons are subject to other rules and measures, in particular invalidity, permanent incapacity or retirement due to hardship. In any case, preparation remains essential. It requires checking your career record, making your request on time, checking the number of quarters taken into account, etc. Errors in anticipation can delay your departureor even you deprive the device which you thought you were eligible for.
If your state of health has deteriorated significantly, several devices can provide departure before legal age. The insured in disability or recognized in permanent disability (following a work accident or occupational illness) can leave at full rate from 60 years oldor even earlier depending on their situation. Retirement for arduousnessvia the professional prevention account, also offers the possibility of leaving before 62 years old if enough points have been accumulated. These requests require medical or professional supporting documents and a in-depth review through the crates. Administrative anticipation is essential to avoid seeing your request delayed.
Take advantage of the long career system
To take advantage of the long career systemyou must have validated a certain number of quarters from the first years of working life. Then accumulate the insurance period required for a full-rate retirement. “ For example, if you validated 4 or 5 quarters before the end of the calendar year in which you turn 20, you can leave between the ages of 60 and 62. If you have accumulated 4 or 5 quarters before turning 21, you can leave at 63 », recalls Valérie Batigne.
Leaving at age 60 is possible if your quarters are complete and you have acquired 4 or 5 before the age of 18; and even from 58 years old if these trimesters were before 16 years old. Attention : “not all quarters are taken into account for the long career”. Only contributory quarters and a limited number of assimilated quarters count. Forgetting this sorting can distort your eligibility.
Common errors in counting quarters
Two pitfalls come up often. The first consists of believe that all validated quarters appearing on your statement will be retained. “ For example, if you have eight quarters of unemployment, only four will count », Warns the expert. The second is not to check that these quarters, whether paid contributions or assimilated, do indeed fall within the good count for an early departure.
A bad reading can lead you wrongly to think that you are eligible, when several quarters of contributions are still missing. Another important element: the 4 or 5 trimesters required in youth depend on your date of birth. “ If you were born in the last quarter of a year, it will only be 4 quarters “.
A word of advice, prepare your file “ six months before the departure date », insists Valérie Batigne. Checking your quarters, understanding the rules specific to each system and avoiding calculation errors are the keys to securing an early departure.
