Have the deputies sounded the death knell for a pension reform which had brought more than a million people into the streets two years earlier? Tuesday, December 9, around 7:30 p.m., the latter adopted, via a mouse-hole majority (13 votes difference), the Social Security financing bill 2026 (PLFSS 2026). With, within it, the suspension of the pension reform of the Borne government of 2023 which established the pivotal retirement age at 64 years. Full retirement, that is to say without financial loss (discount), also went from 168 quarters to 172 quarters. Or work more and longer.
However, this reform applies progressively for people born from September 1, 1961 until December 31, 1967. In other words, retirement takes place between 62 years and three months and 64 years, and the number of quarters for a full retirement varies from 169 to 172. Here’s how it all fits together with the suspension :
- For people born between September 1, 1961 and December 31, 1961, the starting age is 62 years and three months. The number of quarters required is 169 quarters.
- For people born in 1962, the starting age is 62 years and six months and the number of quarters is 169.
- For people born in 1963, the starting age is 62 years and nine months and the number of quarters is 170.
So far, no impact of the suspension on age or the number of quarters required. The latter applies to people born between 1964 and 1968.
People born in the first quarter of 1965, the main beneficiaries of the suspension of the pension reform
- For people born in 1964, the starting age is now 62 years and nine months instead of 63 years. The number of quarters required is 170 instead of 171.
- For people born between January 1, 1965 and March 31, 1965, the starting age is 62 years and nine months instead of 63 years and three months. As for the number of quarters required, it is 170 instead of 172.
People born in the first quarter of 1965 are therefore the first to benefit from this suspension, compared to those born after this date until December 31, 1968. Waiting for a new reform?
A suspension of the pension reform with minimal impact for people born from April 1, 1965 to December 31, 1968… until a future reform?
For people born from April 1, 1965 to December 31, 1968, the impact is more minimal than for those previously mentioned.
- For people born from April 1, 1965 to December 31, 1965, the starting age is 63 years instead of 63 years and three months. The number of quarters requested is 171 instead of 172.
- For people born in 1966, the starting age is 63 years and three months instead of 63 years and six months. The number of quarters required is 172 for all people born after 1966.
- For people born in 1967, the starting age is 63 years and six months instead of 63 years and nine months.
- For people born in 1968, the starting age is 63 years and nine months instead of 64 years.
With only three months saved compared to before suspension and no quarters saved on the reform (except for people born in the last three quarters of 1965), people born from April 1, 1965 to December 31, 1968 benefit very little from the delay in pension reform. However, everything can still change for the latter in the event of a new reform during the 2027 presidential election, according to Le Parisien in partnership with Agirc-Arrco.
But already, before looking that far ahead, the PLFSS 2026, which includes the suspension, will already have to be adopted. There remains therefore one passage before the Senate and very probably a last one in the Assembly, due to the very probable rejection of the text by the senators. Especially since the suspension has been extended to the long career, incapacity and disability system following a socialist amendment.
