The Social Security financing law for 2026 suspends pension reform from 2023 until 2028, with concrete effects from September 1, 2026 for people born in 1964 and 1965 for long careers. “ Concretely, the 1964 generation moves to 170 quarters contributed required instead of 171 thanks to the freezing of the reformdetails Marilyn Vilardebo, president of Origami&Co. The 1965 generation has a two-step rule applied: 170 quarters until the end of April, then 171 from May. For the following generations (1966 to 1968), nothing changes: the threshold remains set at 172 quarters “.
If a long career allows you to retire before the legal age, it depends on two essential criteria: Having validated five quarters before the age of 20 (or before the age of 21 since the 2023 reform) and having a sufficient number of quarters of contributions. “ Please note, quarters of illness, unemployment or allocated for children are not necessarily contributory quarterswarns the expert. In other words, they do not come from work “. Although there are certainly exceptions since four quarters of unemployment are counted for two years of unemployment for example.
Two decrees for women
A decree, expected soon, provides for significant progress for women: two of the terms granted for children could be recognized as “deemed to have paid contributions” and therefore included in the calculation of long career. A seemingly technical measure, but with very concrete effects: “ Many women accumulate the necessary trimesterswithout being able to leave before their legal age, since some linked to their children are not included in the countexplains Marilyn Vilardebo. With this reform, those who were two quarters close to the threshold will be able to switch to the system, and potentially leaving earlier “.
The other decree also provides for a change in the calculation of the pension for mothers of two or more children, with an average calculated over the best 23 or 24 years instead of 25. On paper, the measure seems generous. In fact, its impact would be marginal. According to Origami&Co calculations, we are talking about a difference between 50 and 85 euros per month. “ For that to be significant, you’d have to have a truly disastrous year among the top 25, which almost never happens. », notes the expert, who evokes a announcement effect more than a fundamental reform.
The combination of employment and retirement
Still waiting, this is the most feared change. Today, combining employment and retirement allows you to receive your retirement while continuing to work according to two systems, one capped, the other not. From January 1, 2027, these rules could change: “ The accumulation will be conditioned at the age of 67describes Marilyn Vilardebo. And to a threshold of 7000 eurosbeyond that, 50% of additional income would be deducted from the pension “. If business leaders or liberal professions were banking on this system, it would be time to look into the issue, especially if they have reached their legal age this year.
Morality? We must anticipate the subject of retirement, at least from 55 years old in generaland as soon as possible for this year, depending on whether you are affected by the decrees. “ Too many French people discover their rights too late and suffer their retirement », concludes the expert. Knowing that crate processing times reach five to six monthsit’s time to get started.
