Pension reform suspended: here is your legal retirement age according to your year of birth

François Bayrou announced, this Tuesday, January 14, the re-start of the 2023 pension reform. The text, which will not be modified before the fall, should therefore still apply this year. Here is the age at which you can leave if you were born in 1962 or 1963.

• 
  

  To safeguard
  
  
  

  Saved
  

Pension reform will neither be repealed nor put on hold. During his general policy speech delivered to the National Assembly this Tuesday, January 14, Prime Minister François Bayrou announced the delivery “under construction, with social partners, for a short time”pension reform. Open to a “new reform, without any totem or taboo, including the age of departure”the tenant of Matignon has given until next fall, when the Social Security budget (PLFSS) for 2026 is presented, to the social partners to find an alternative solution to finance the French retirement system. “If the social partners do not agree, the current reform will continue to apply”warned François Bayrou.

Eliminated the hypothesis of suspension of reformSO. The latter will be discussed and potentially modified in depth this fall. Until then, the rules established by the 2023 pension reform will continue to apply. As a reminder, this text provides for several major modifications for the retirement of French people. And mainly concerning their legal starting age: this is gradually changing, since September 1, 2023, by one quarter every year and must reach 64 years for people born in 1968 or later. Currently, this limit is set at 62 years and six months for the 1962 generation and at 62 years and nine months for workers born in 1963.

Retirement at 63 if you were born in 1964?

If you plan to liquidate your retirement this year, your starting age is therefore either 62 years and six months, if you were born in 1962, or 62 years and nine months if you come from the 1963 generation. In the latter case, you cannot therefore liquidate your pension before October 1 2025. A date which must coincide within a few days with the presentation of the Social Security budget for 2026, a text which should allow the government to present the results of the project launched with the social partners, if they are conclusive enough. It is at the end of the examination of this text in Parliament, by the end of 2025, that the rules effective in 2026 will be known.

One thing is certain, however. If no agreement is found for an alternative to the current reform, this text will still apply next year. Without changing the rules, for the 1964 generation, the legal retirement age will then reach 63 years.

>> Our service – Home support, retirement homes, serviced residences… Make an appointment with an advisor by telephone to find the best solution for your loved ones