can we leave before the legal age if we have contributed enough?

Barthélémy Philippe, edited by Romain Rouillard

From this Tuesday, Elisabeth Borne receives union representatives before the official presentation of the pension reform on January 10. The government plans to postpone the legal retirement age, which could increase from 62 to 64 years old, whereas it is currently necessary to contribute between 41 and 43 years old to receive a full pension.

The pension reform is launched. This Tuesday, Elisabeth Borne will meet with the unions and next Tuesday, the project will be officially presented and will include a measure to postpone the legal age of departure from 62 to 64 or 65 years old. Consequently, some people wonder about the possibility of leaving earlier, provided they have contributed enough.

To answer this question, it is necessary to distinguish between the legal age and the contribution period. Currently set at 62 years, the retirement age must be pushed back by four months per year for workers born from 1961. Thus, this legal age would reach 64 years from 2028 and 65 years in 2031. As for the duration of contributions , this is the number of quarters during which you must have contributed to benefit from a full pension.

What about long careers and arduous jobs?

Nevertheless, completing all of one’s terms before the legal age does not make it possible to anticipate one’s departure. “The characteristic of the increase in the retirement age is that you cannot leave earlier. If I am not 64, for example, I cannot retire. On the other hand, if we play on the increase in the number of quarters, you can choose to leave earlier and suffer a discount. It can be a combination of the two, i.e. we will tell you ‘you have 64 years, rather than doing 65 years, we stay on 64 years but we ask you a little more quarters'”, explains Bruno Chrétien, president of the Institute of Social Welfare.

There remains the case of long careers and difficult jobs, which should lead to early departures.