Since the 2023 pension reform, the minimum age for retirement in France has been gradually increased, from 62 to 64 years. Who will be the first seniors affected by the departure at 64? We'll explain it to you.
The pension reform continues to generate much ink and stir up debate. Since its entry into force in September 2023, it has profoundly changed the rules of the game for millions of French people. If we know that the legal age is gradually increasingthere still remain many gray areas for some. Among the questions that often come up: Who will be the first seniors impacted by the increase in the retirement age to 64? Between the generations concerned, transition methods and exceptions, we take stock of everything you need to know to see things more clearly.
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The pension reform, implemented by the government in 2023, marked an important turning point in the French system. The minimum retirement age, long set at 62, will gradually increase to 64. This change mainly concerns generations born after 1961, but the transition occurs in stages. Thus, each new cohort will see its legal age increase by a few additional months. This development aims to balance public finances while responding to the challenges posed by the aging of the population.
Who are the first to be affected by the increase in the legal retirement age?
The first French people who will have to wait 64 years to retire are those born after 1968. For generations born between 1961 and 1967, the legal age increases gradually, depending on their year of birth. For example, people born in 1962 will be able to leave at 62 years and 9 months, while those born in 1965 will have to wait until 63 years and 9 months. This gradual schedule ensures a smoother transition, but it also involves adaptation for future retirees.
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Not all assets are in the same boat. Some professional categorieslike the long careers or the difficult jobsstill benefit from specific arrangements allowing early departure. These measures aim to preserve fairness by taking into account difficult working conditions or long years of contributions. For example, an employee who started working before the age of 20 could still leave before the legal age, under certain conditions.
-What impacts on future retirees?
For the generations concerned, this reform could involve a new organization of their end of career. Some could, for example, consider extending their activity, while others will look for alternative solutions, such as combining employment and retirement. Furthermore, this reform also raises questions on arduousness, wear and tear at work and balance between professional and personal life. In short, for many, the retirement planning becomes a central issue to anticipate now.
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You will have understood, with the gradual increase in the retirement age, the rules change, and It is essential to be well informed to understand what awaits you. Between the transition schedule, the exceptions for certain workers and the impacts to be anticipated, each situation is unique and deserves to ask the right questions. If preparing for retirement has always been important, it has become even more so since the reform came into force.
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