Despite the 2010 reform, which raised the legal retirement age by two years, several measures still exist today that make it possible to leave working life earlier. However, in order to qualify, you must meet specific criteria.
Please note: The draft universal pension scheme bill may change these retirement regulations. This content remains valid until the bill becomes law.
Early retirement for long careers
If you started working before 20 years of age, you may be eligible for an early retirement for a long career, which will allow you to leave before 62 years of age while receiving a full pension.
To benefit from it, you must satisfy two conditions:
- you should have at least 5 quarters (4 if you were born in the last quarter of the year or if you started your career in the non-employed agricultural regime), in all your pension plans combined, before the end of the calendar year in which you turned 16 or 20 years old
- you should have accumulated, at the time of your retirement request, a minimum number of contributed and/or similar quarters, which varies according to your date of birth
| Year of birth |
You must have validated at least 5 quarters before |
Minimum numbers of validated quarters required |
Age at which you can take early retirement |
|---|---|---|---|
| 1955 | 16 years |
174 | 56 years 4 months |
| 1955 | 16 years |
170 | 59 years |
| 1955 | 20 years |
166 | 60 years |
| 1956 | 16 years |
174 | 56 years 8 months |
| 1956 | 16 years |
170 | 59 years 4 months |
| 1956 | 20 years |
166 | 60 years |
| 1957 | 16 years |
174 | 57 years |
| 1957 | 16 years |
166 | 59 years 8 months |
| 1957 | 20 years |
166 | 60 years |
| 1958 | 16 years |
175 | 57 years 4 months |
| 1958 | 16 years |
167 | 60 ears |
| 1959 | 16 years |
175 | 57 years 8 months |
| 1959 | 20 years |
167 | 60 years |
| 1960 | 16 years |
175 | 58 years |
| 1960 | 20 years | 167 | 60 years |
| 1961 - 1962 - 1963 | 16 years |
176 | 58 years |
| 1961 - 1962 - 1963 | 20 years |
168 | 60 years |
| 1964 - 1965 - 1966 | 16 years |
177 | 58 ears |
| 1964 - 1965 - 1966 | 20 years |
169 | 60 years |
| 1967 - 1968 - 1969 | 16 years |
178 | 58 years |
| 1967 - 1968 - 1969 | 20 years |
170 | 60 years |
| 1970 - 1971 - 1972 | 16 years |
179 | 58 years |
| 1970 - 1971 - 1972 | 20 years |
171 | 60 years |
| From 1973 | 16 years |
180 | 58 years |
| From 1973 | 20 years |
172 | 60 years |
| Year of birth |
1955 |
|---|---|
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
174 |
| Age at which you can take early retirement |
56 years 4 months |
| Year of birth |
1955 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
170 |
| Age at which you can take early retirement |
59 years |
| Year of birth |
1955 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
166 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1956 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
174 |
| Age at which you can take early retirement |
56 years 8 months |
| Year of birth |
1956 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
170 |
| Age at which you can take early retirement |
59 years 4 months |
| Year of birth |
1956 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
166 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1957 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
174 |
| Age at which you can take early retirement |
57 years |
| Year of birth |
1957 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
166 |
| Age at which you can take early retirement |
59 years 8 months |
| Year of birth |
1957 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
166 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1958 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
175 |
| Age at which you can take early retirement |
57 years 4 months |
| Year of birth |
1958 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
167 |
| Age at which you can take early retirement |
60 ears |
| Year of birth |
1959 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
175 |
| Age at which you can take early retirement |
57 years 8 months |
| Year of birth |
1959 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
167 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1960 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
175 |
| Age at which you can take early retirement |
58 years |
| Year of birth |
1960 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
167 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1961 - 1962 - 1963 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
176 |
| Age at which you can take early retirement |
58 years |
| Year of birth |
1961 - 1962 - 1963 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
168 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1964 - 1965 - 1966 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
177 |
| Age at which you can take early retirement |
58 ears |
| Year of birth |
1964 - 1965 - 1966 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
169 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1967 - 1968 - 1969 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
178 |
| Age at which you can take early retirement |
58 years |
| Year of birth |
1967 - 1968 - 1969 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
170 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
1970 - 1971 - 1972 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
179 |
| Age at which you can take early retirement |
58 years |
| Year of birth |
1970 - 1971 - 1972 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
171 |
| Age at which you can take early retirement |
60 years |
| Year of birth |
From 1973 |
| You must have validated at least 5 quarters before |
16 years |
| Minimum numbers of validated quarters required |
180 |
| Age at which you can take early retirement |
58 years |
| Year of birth |
From 1973 |
| You must have validated at least 5 quarters before |
20 years |
| Minimum numbers of validated quarters required |
172 |
| Age at which you can take early retirement |
60 years |
Gradual retirement
Gradual retirement is a system with fairly flexible access conditions.
It allows you to receive part of your pension from the age of 60 (two years before the legal retirement age) while working part-time. It offers good way to change the pace without suffering a sudden drop in income.
To benefit from it, you must:
- be at least 60 years old
- carry out one or more part-time activities, the total duration of which must be between 40% and 80% of the legal or contractual working time applicable in your company or companies
- have pre-validated a minimum of 150 quarters in the basic pension plans
The retirement portion paid to you will be proportional to the amount of work you have not completed. For example, if your part-time activity represents 60% of a full-time job, you will receive 40% of your pension.
The amount of the latter is calculated on a provisional basis at the time of your request for gradual retirement. When you subsequently cease all activity to retire permanently, it will be reassessed based on the new rights acquired during your gradual retirement.
Note that some companies set up a compensation scheme to contribute for retirement on the basis of full-time salary.
Pre-retirement
Unlike early retirement and gradual retirement, pre-retirement allows the beneficiary to stop working until they retire, while being paid. This system currently exists in two forms: asbestos pre-retirement and company pre- retirement.
Asbestos pre-retirement
Intended for people who have worked in contact with asbestos during their careers, this system can enable beneficiaries to stop working from the age of 50 while receiving an early retirement allowance for asbestos workers (Acaata) until the conditions for receiving a full retirement pension are met. Its amount varies from 50% to 85% of the reference salary depending on the amount of the reference salary deducted.
Pre- retirement from the company
Company pre-retirement, more commonly referred to as " house pre-retirement", depends entirely on the employer.
It is the company, through a collective agreement or agreement, that sets out the terms and conditions of access: age at which you can retire, seniority in the company, remuneration rate, insurance period, etc. Ask your employer if such an agreement exists within your company.
Contact an adviser now to prepare your plans
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