Retirement: legal departure age, quarters … Where is the application of the reform of 2023?

The Court of Auditors unveils this Wednesday, February 19, its report on the state of our retirement system, before a possible modification of the 2023 reform in the coming months. But what are the rules of the text already entered into force?

• 
  

  To safeguard
  

  
  
  

  Saved
  

The 2023 pension reform returns to the front of the stage. This Wednesday, February 19, the Court of Auditors gives the government its report on the financial state of our pension system. This document, which must serve as a basis for the next discussions on the last pension reform, will also arrive in the hands of the social partners. The same ones who will be responsible, as of February 27, to reflect on amendments on this controversial text, which brings in particular 62 years to 64 years theLegal retirement age.

Will this flagship measure be called into questionor at least suspended? If it is too early to say, a certainty, however: the retirement age is no longer 62 years today, the latter being gradually raised from a quarter every year since September 1 2023. “This age is set at 62 years and six months for the 1962 generation and 62 years and nine months for workers born in 1963 who want to liquidate their pension in 2025 ”explains Valérie Batigne, founder and president of the specialized firm Sapiendo Retraite.

Already one or two additional quarters for a full -rate retirement

Another modification, of importance, of the last pension reform: the contribution – That is to say the number of quarters- required to benefit from a full-rate pension. As a reminder, if at your retirement, you do not have this insurance period, you undergo a discount on your retirement. Fixed at 168 quarters (42 annuities) for people born before September 1, 1961, this duration was to increase by a quarter every three years to reach a maximum of 172 quarters from the generation born in 1973.

But the reform of 2023 has considerably accelerated the calendar, the contribution duration required for the full rate climbing a quarter every year from the generation born from September 1, 1961. For the latter, 169 quarters are therefore necessary for a Retirement without discount, then 170 from the 1963 generation, 171 for people born in 1964 and finally 172 quarters (43 annuities) If you were born in 1965 or after. Thus, if you plan to liquidate your retirement this year from your legal departure age, you must justify a total of 169 quarters for the 1962 generation or 170 quarters for the 1963 generation so as not to undergo a discount.

>> Our service – home support, retirement homes, service residences … Make an appointment with a phone advisor to find the best solution for your loved ones