Moreover,
This new system will allow:
Despite the reform, many assets will be able to gradually retire from 60 years from September 1, 2025. Therefore, Here are the conditions to be fulfilled to take advantage of this new little -known system.
Going back to retirement at 60. In addition, without immediately leaving the world of work: this is what the progressive retirement system now allows, the age of access has just been lowered. In addition, Until now reserved for those approaching the legal starting age (62 years for generations born from 1968). Consequently, this mechanism can now be activated from 60 years.
Change, acted by two decrees published in Official Journal From July 23, 2025, will apply to pensions taking effect from September 1. In addition, It follows negotiations between social partners within the framework of the national interprofessional agreement signed this new system will allow in the fall of 2024.
The principle is simple: continue to work part -time, while receiving a fraction of your retirement pension. Therefore, The percentage of pension paid is inversely proportional to the activity rate. For example, if you reduce your working time to 50 %, you will receive 50 % of your provisional retirement. In addition, If you go to 60 %, you will receive 40 %. For example, By combining these two income. you can lighten your days without completely sacrificing your income, while continuing to contribute for a complete future retirement.
But this system is not intended for all without conditions, as explained by the Service-Public.fr site. To be able to claim gradual retirement from the age of 60. it is necessary to justify at least this new system will allow 150 quarters contributed, or 37.5 years of insurance, all basic regimes combined. It is also necessary to carry out a reduced time activity, between 40 % and 80 % of full time. And above all, you must obtain the agreement of your employer. The latter has the right to refuse. but he must now motivate his refusal, which limits arbitrary discharges, especially in large companies. On the other hand. in VSEs or SMEs, the situation may remain more uncertain, for lack of sufficient resources to reorganize the activity.
The field of people concerned is wide. The first decree aims at the insured of the general scheme. the self -employed, the liberal professions, lawyers, employees and farmers as well as state officials. Additionally, The second decree extends the measure to agents of local authorities and workers from state industrial establishments. The request for gradual retirement must be filed five this new system will allow months before the desired date, on the official retirement insurance website.
The entry into the system is not without consequences. Once started, progressive retirement can only be suspended in a limited number of cases. If you have full time. if your income increases to the point of going beyond your previous income, the payment of the retirement fraction ceases, definitively. This stability is designed to secure acquired rights, but it also requires planning its transition to retirement.
Even today little used – less than 0.5 % of new retirees chose it in 2024 -. progressive retirement could experience a renewed interest thanks to this new lowering of the age of access. For workers tired by full -time activity. or wishing to anticipate their retirement without giving up their full board, it constitutes a credible intermediary alternative. One way. according to the Minister of Labor, of “Make this new system will allow the end of your career more flexible, more human and less binary”.
This new system will allow
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