Therefore,
Touch part your retirement age:
Imagine being able to blow a little earlier without completely giving up your professional activity. Therefore, while starting to enjoy part of your retirement. Furthermore, From September 1, this scenario becomes reality for many French people thanks to a major reform that has been almost unnoticed. Nevertheless, But who will be able to benefit from it. Meanwhile, under what conditions, and what will it change concretely for future retirees? Furthermore, Diving behind the scenes of this new law which could well transform the end of the career of thousands. Therefore, of people.
A new CAP for progressive retirement – Touch part your retirement age
The Official Journal published. Therefore, on July 23, a decree that will upset the situation for those who dream of a gentle departure for retreat. For example, As of September 1, the age of access to the gradual retirement will be lowered to 60, against 62 touch part your retirement age years currently. Therefore, An evolution which is aimed at many assets. For example, from the private sector and the public, and which could well seduce those for whom the brutal transition between active life and retirement seemed scary.
Did you know? Until now. In addition, it was necessary to wait 62 years to claim gradual retirement, a device that is still unknown but which offers significant advantages. However, Now, two years are won: a change that considerably widens the field of potential beneficiaries.
Who is concerned? Consequently, A large eligible audience – Touch part your retirement age
This evolution is not limited to a handful of privileged. Moreover, Are concerned:
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Employees of the general scheme.
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State public service agents,
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Agricultural employees and non-employees,
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Liberal professions,
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Lawyers,
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And other special regimes.
Concretely. if you are affiliated with one of these regimes and you start the last straight line of your career, it is time to look at this possibility: it could help you better manage touch part your retirement age the transition between working life and retirement.
Good to know: Gradual retirement is not reserved for private employees. It is now intended for many assets. whatever their regime, a major opening which may well change the situation on the labor market for seniors.
How does it work? – Touch part your retirement age
The principle of progressive retirement is simple. but formidably effective: it is about work part -time (between 40 % and 80 % of full time), while receiving a fraction of his retirement pension. This hybrid formula makes it possible to test your new life. to preserve your standard of living, but also to continue to contribute to improve your future full board.
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Choose part -time adapted (between 40 % and 80 % of full time).
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Request gradual retirement with his pension fund.
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Justify 150 quarters retirement insurance at the time of request.
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Continue to contribute To increase his final pension.
Please note: not all companies offer compatible part touch part your retirement age -time positions, and certain conditions must be met. Remember to find out about your employer and your pension fund to check your eligibility.
Why lower age? Behind the scenes of negotiation
This social turn is the fruit of a compromise between unions. employersknotted in the fall of 2024. carried by the MEDEF. the CFDT and the CFTC, the agreement aimed to improve the employment of seniors, a crucial issue in a country where the demographic transition upsets the balances of the labor market.
Gradual retirement was so far marginal in France, while other countries have largely adopted it. The objective: to offer more flexibility to seniors, while avoiding massive and brutal departures from the professional world. It is therefore a win-win measure. both for employees, which can adapt their pace, and for companies, which retain precious know-how.
Key figure: According to the Ministry of Labor. less than 25,000 people now benefit from gradual touch part your retirement age retirement in France, a figure which could well explode with the lowering of age to 60 years.
What advantages for future retirees?
Work less, without sudden loss of income, while serenely preparing your full retirement: the formula has something to seduce. Among the main assets:
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Flexibility : gradually adjust your pace of work.
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Maintaining social ties : avoid isolation often feared retired.
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Revenue sustainability : accumulate part -time salary and partial pension.
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Optimization of the final pension : The quarters contributed during progressive retirement count for the final retirement.
Practical tip: The more you extend the gradual retirement period. the more your final pension can be optimized thanks to the additional validated quarters. This is a real plus for those who wish to maximize their retirement.
The back of the medal: the points to be monitored
If progressive retirement offers many advantages. it is not exempt from limits. The main pitfall remains the need to find a part touch part your retirement age -time time compatible with the requirements of the device. Certain professions or companies can, in fact, be reluctant to this type of development.
Another point of vigilance: progressive retirement requires having validated at least 150 quartersalmost 38 years of career. A threshold that can exclude certain assets to chopped or having experienced interruptions.
Rappel : Gradual retirement only gives the right to a fraction of your pension. To reach the whole. it will be necessary to wait for the legal retirement age and fulfill the conditions of duration of insurance required.
Testimonies that say long
Which will change in September: an expected snowball effect
The extension of the system from the age of 60 is likely to have a major impact on career management. the age pyramid in business. Experts expect a significant increase in requests. and a profound transformation of the way the seniors approach the last part of their professional life.
So, from September 1, why not consider your end of career otherwise? Gradual retirement at 60 opens the way to a new philosophy of time. where you can start enjoying life, without turning the page overnight.
Further reading: Morten Keller more in public since his early retirement – 6 places et 5m de long ! – How the patterns of Silicon Valley joined Trump – The BNS expected in the red in the first half, anticipates UBS – Tesla Diner’s retro-futuristic restaurant, “one of the coolest places in Los Angeles” for Elon Musk.
