The context of pension reform
In particular, she raised the legal retirement age from 62 to 64, while promising to encourage long careers.
This measure was intended to allow early departure for those who started working very early, but the strict criteria and the complexity of the procedures often left workers in uncertainty.
Testimonies from the workers concerned
Many workers are expressing frustration with insufficient responses from pension funds. For example, a seamstress born in 1964, having contributed enough quarters before she turned 20, encounters a wall of silence from Carsat.
“At my Carsat, no one knows what to answer me”
This feeling of abandonment and confusion is shared by many future retirees, who find themselves unable to calmly plan their end of career.
To read
Impact of deferring the Agirc-Arrco pension: what you need to know to manage your budget
Details of the reform for long careers
The reform introduced significant changes to the conditions for early retirement. From now on, you must have started working before the age of 16, 18, 20 or 21, with a sufficient number of quarters contributed at the time of departure.
Intense mobilization to find a 91-year-old man missing in southern Deux-Sèvres
The implementation of these new age limits is supposed to simplify the system, but the accumulation of specific conditions for each age group makes it difficult for policyholders to understand.
What are the real impacts on early departures?
Despite the intentions of the reform, statistics show that only a fraction of eligible people actually opt for early departure. Around 15% of retirees leave before the legal age, but this figure could increase with better information.
“75 to 80,000 additional policyholders could take early retirement for long careers each year”
The reform could therefore potentially increase the number of early departures, provided that policyholders are better informed and supported in their procedures.
- Better information needed for future retirees
- Personalized support in administrative procedures
- Simplification of early departure criteria
Pension reform was necessary to adapt the system to current demographic realities, but its effectiveness will depend on the ability to correctly inform and support workers throughout their careers. For those considering an early departure, it is crucial to fully understand the new rules and plan their steps well in advance.
To read
Impact of the revaluation of the Agirc-Arrco point in 2025 on your retirement pensions
