64 years, long career, civil servants… Who will be affected?

PENSION REFORM. The pension reform project could be put into effect before the end of summer 2023. Minimum pension, difficulties at work… Full summary.

[Mis à jour le 18 janvier 2022 à 08h04] The pension reform project “is carried out in consultation” said Prime Minister Elisabeth Borne Tuesday 17 January during a key questioning session of the government in the National Assembly. Refers to a meeting of political leaders from various parties. As a reminder, the executive envisages, under this new reform, a postponement of the legal retirement age from 62 to 64 years, accompanied by an extension of the contribution period to 43 years in 2027 (172 quarters). Increases in minimum pensions, better consideration of hardships in the workplace and elimination of many special schemes are also part of the project. All details in our special file:

Pension reform is what it has to be be integrated into a future bill on financing the Social Security amendment (PLFRSS). An asset for the government, which can thus benefit from a 49.3 use is unlimited as norms in texts relating to the budget. Usually, the famous 49.3 can only be used once per parliamentary session. With such a device, the government will have the possibility to draw the famous 49.3 at various points of friction, from delaying the legal retirement age to hardship, through a long career, even if, a priori, he should not need it. to, with Republicans looking quite willing to work together. here is 8 points to remember regarding the new pension reform:

  • Increased legal retirement age from 62 to 64 years
  • extension of contribution period at 43
  • Minimum pension creation in 85% of the minimum wage : almost 1200 euros
  • The new device is active long career (early departure)
  • Better consideration of difficulty (C2P extension)
  • Towards a certain deletion special diets (RATP, IEG)
  • Make “senior index“in the interest of professional equality
  • Agecancellation from next to stay in 67 years

After the transition from 60 to 62 in 2010 (Woerth reforms), Emmanuel Macron wants to move to 64 years with the accelerated contribution period which reached 43 years 172 quarters. It’s here generation 1968 who will be the first to have to wait until age 64 to benefit from full retirement. Are you worried? Here’s the new official starting age, based on your year of birth:

  • Generation 1961 : 62 years 3 months, in 2023
  • Generation 1962 : 62 years 6 months, in 2024
  • Generation 1963 : 62 years 9 months, in 2025
  • Generation 1964 : 63 years old in 2026
  • Generation 1965 : 63 years 3 months, in 2027
  • Generation 1966 : 63 years 6 months, in 2028
  • Generation 1967 : 63 years 9 months, in 2029
  • Generation 1968 : 64 years in 2030

The “long career” system already allows those who start working young to retire early. According to the government’s announcement during a pension reform presentation on Tuesday, January 10, those with long careers can still retire before the age of 64. Specifically, if you have validated at least five quarters before the age of 20 (with 44 years of contribution and 172 quarters), you can retire at:

  • 58 years : if you start working on 14 years
  • 59 years : if you start working on 15 years
  • 60 years : if you start working on 16 years
  • 61 years : if you start working on 17 years
  • 62 years : if you start working between 18 and 20 years

For more than three years, the abolition of special diets has been the government’s little news. Facing the rumbling of the special plan contributors, the latter has reviewed the copy. It plans to prohibit access to a special scheme for new employees in the trade in question. In other words, the old ones will retain their special regime, but the new ones will no longer have access to it. The restrictions are as follows: to remain attached to its special scheme, the employee must be less than 17 years of age at retirement, in 2020. This is what is well-known “grandfather clause” Please note that increasing the legal retirement age should start a bit later for this particular scheme. The 2010 Woerth reform, which raised the legal retirement age from 60 to 62, will only go into full effect in 2024. Companies that employ these employees can therefore be forced to set the convergence period with other schemes.

With the 2023 pension reform, policyholders linked to the special scheme will retain their benefits, mostly if they were born before January 1, 1975. For employees from RATP, SNCF, Bank of France, IEG and state workersbefore January 1, 1980. For miners and drillersbefore January 1, 1982. That Paris Opera Dancerthey Dockerand French comedy they will not be affected. This special diet should not move one iota. It should be noted that in the public service, an advantageous method for calculating retirement benefits, which is based on the last six months of a career (often the best salary) against the best 25 years for the private sector, should be kept. .

The thing that was promised, the thing that was due? Emmanuel Macron has made it one of his campaign promises. From 1 September 2023, the minimum pension will indeed increase, according to the government’s announcement this Tuesday, 10 January, to around 1,200 euros per month for new retirees, or 85% of the minimum wage. In order to respect this principle, the minimum pension will now be indexed to the minimum wage and no longer to inflation. Employees, craftsmen-traders and farmers will be concerned. What about people who are retired? Will they see their pension increase? The government, in this case, is referring to new consultations with trade unions and political groups.

Hard work is one of the government’s priorities in the 2023 pension reform. C2P (prevention professional account) should be extended to new employees, more than 60,000 more annually, the government said on Tuesday. This system makes it possible to accumulate points so as to leave early in retirement, according to six difficulty criteria: night work, work in consecutive alternating shifts, repetitive work, activity in hyperbaric environments (underwater, containment of nuclear reactors), extreme temperature or even noise.

Given the government’s announcement on January 10, carrying heavy loads, painful postures, and mechanical vibrations, the three criteria of hardship at work that had been abandoned in 2017, were finally not reinstated as a union. However, the employee concerned will be offered “enhanced medical monitoring” from mid-career, it was reported. Upon medical advice, these same employees may have their position and/or hours adjusted. They will also benefit from increased access to retraining. In the most critical cases, an early departure from age 62 may eventually be offered to them.

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