If you have worked© under a status other than that of an employee (civil servant, self-employed person, etc.) and you have contributed to several pension funds, the entire duration of your insurance©, all schemes©© combined, will be taken into account© to determine whether or© not you are entitled© to full old-age pensions. In addition, in some situations, the condition of the neighborhoods is not requested. Examples: disability pension, disability pension replaced by disability pension, veteran, etc. Example: Marie was born in 1975. To retire at the full rate (without discount) at age 62, he would need 172 quarters. However, it will only be 166, even if you count its increases for children. It must therefore continue its activity beyond the legal minimum age in order to record the 6 missing quarters. Why retire at age 64? Whether or not you have all your quarters, take stock of the conditions and the impact of this choice on your pension. You are entitled to a full pension before the age of 62 if you are entitled to long-term early©retirement or permanent disability or incapacity for work©. In order to be able to retire with a full quota from the legal minimum age, you must collect a certain number of quarters, which vary depending on the year of birth (see below): From a certain age, retirement is calculated at the maximum rate, regardless of the number of quarters. This age varies between 65 and 67 years, depending on your year of birth and your situation.
To find out the age of the automatic maximum rate, use our Get My Retirement Age service. If you continue to work after the legal minimum age, while adding up all the quarters necessary to receive a full pension (without deduction), the amount of your basic pension can be increased: this is the premium. Depending on their situation, some people can receive a pension at the maximum rate from the age of 65, regardless of their number of quarters. An insured person who has reached the age of 65 on 01.04.1983 and who applies for retirement from that date shall retain the benefit of the increase in the rate purchased on 31.03.1983. The pension calculation rate applies to the average annual salary. It is between 25% and 50%. 62 is the legal age at which you have the right to retire if you were born after 1955. Depending on the case, however, we schematically distinguish 6 possible retirement ages with different cases.
The latest news from 9. According to Echoes, March 2022 will report a possible postponement of the legal retirement age to 65. Gabriel Attal (government spokesman) confirmed that a gradual extension of the retirement age to 65 will be included in the program of candidate Emmanuel Macron. This reform would take about ten years, during which each generation would contribute another four months, and should lead to savings on pension expenditure equivalent to a deficit of €18 billion. Between 1.07.1982 and 31.03.1983, non-permanent employees of the State, local authorities, public bodies and enterprises benefited fully from the age of 63. This pension did not give entitlement to a minimum. It is important to note that the legal minimum age does not guarantee that you will receive a full retirement pension if you do not have all the required quarters. On the other hand, leaving at the age of 67 guarantees you a full pension.
Retraite.com analysis for you the possible cases of retirement To retire and therefore “liquidate your pension at the full rate” (without deduction), it is necessary to meet 2 conditions: there is no maximum age for retirement and according to the principle of calculation, the later you retire and the more your retirement will be increased. On the other hand, your employer can automatically send you to retirement from the age of 70. So do your calculations well, because your retirement pension could be insufficient and not allow you to maintain your standard of living. In some very specific cases, you can retire before the age of 62 (early retirement): the legal retirement age is 62. 1. Your pension will be calculated at the full rate (without discount) if you add the necessary number of quarters. The deadlines in this case are similar to those of a dismissal: 3 months before his birthday, the employer must send him a message asking him if he agrees to retire. If this is accepted, the employer only has to proceed with the effective retirement. Thanks to all these elements, you will be able to know and anticipate your retirement conditions.
To help you see more clearly, we also provide you with a simulator to calculate the amount of your pension. You will be informed© by e-mail that the page “Old age pension at the full rate of the employee©” will be significantly updated. The duration©of pension insurance indicates©the periods of your working life during which©you acquired© pension rights. If you were a civil servant, then an employee, then self-employed, your pension is composed of several amounts with different calculations. 2. If you have worked in different statutes during your career, the rate applied to the calculation of your pension is not the same for all these laws. From the age of 70, your employer can automatically retire you without your consent. For example, if you were a civil servant and then an employee, the cheapest rate is: If you decide to postpone your retirement for one year, avoid the temporary break and benefit at the same time: to benefit from the full rate pension (at full rate, at 50%), you must validate a minimum number of quarters (from 166 to 172, depending on your year of birth). Then, when you reach the age of the full automatic rate, if you still lack a few quarters, you can decide to continue your activity for: In most cases, your employer cannot force you to retire before the age of 70. However, there are exceptions. From your retirement account, you can©also simulate the amount of your pension at different©costs, based on known data© from your pension funds. To be entitled to a full pension, you must either have several quarters of pension insurance (variable depending on the year of© birth) or retire at the age of 67©.