Le Cleiss Particuliers Employeurs Indépendants Documentation Actu

Actu > 2023

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A rise in the statutory retirement age will come into force in France on 1 September 2023. It affects persons born on or after 1 September 1961, who will also be subject to an acceleration in the number of quarters required to collect their pension without a discount. Finally, the option to take early retirement
is extended to cover persons who can provide evidence of having paid a certain number of quarters before the age of 21 (as against 20 previously).

The statutory retirement age

The current statutory retirement age in France is 62.

It will be raised to 64 for persons born in or after 1968 (which means that insured persons can collect their French retirement pensions from 2032 onwards).

A future decree will set the statutory age applicable to insured persons born before 1968, on the understanding that the age will be raised by 3 months per generation for insured persons born between 1 September 1961 and 31 December 1967.

The age for collecting an automatic full pension remains set at 67.

The option for certain categories of insured persons to collect their pension before the statutory retirement age is retained (in particular based on disability criteria).

Duration of insurance period

For pensions that take effect on or after 1 September 2023, the number of insurance quarters required to obtain the full rate (50%) rises, until it reaches 172 quarters (i.e. 43 years) for insured persons born in or after 1965 (and no longer just for insured persons born in or after 1973).

Full rate - Insurance duration required

Date of birth	Number of quarters required
1958, 1959, 1960	167 quarters*
1 January 1961 – 31 August 1961	168 quarters*
1 September 1961 – 31 December 1962	169 quarters
1963	170 quarters
1964	171 quarters
1965 or thereafter	172 quarters
*Duration unchanged compared with what the law has set out until now.

Early long-career retirement

Until now, the arrangement allowed for retirement from age 58 onwards or from age 60 onwards for persons with 5 quarters' worth of contributions before the end of the year in which they turned 16 or 20, respectively (only 4 quarters for persons born in the last quarter), and with evidence of a certain number of insured quarters during their career.

With effect from 1 September 2023, it is important to distinguish between 4 ages:

• 16: insured persons can collect their pension from the age of 58 if they have paid 5 quarters'* worth of contributions by the end of the civil year of their 16th birthday, if their insurance duration is between 169 and 172 quarters (based on the year of birth);
• 18: insured persons can collect their pension from the age of 60 if they have paid 5 quarters'* worth of contributions by the end of the civil year of their 18th birthday, if their insurance duration is between 169 and 172 quarters (based on the year of birth);
• 20: insured persons can collect their pension between the ages of 60 and 62 if they have paid 5 quarters'* worth of contributions by the end of the civil year of their 20th birthday, if their insurance duration is between 169 and 172 quarters (based on the year of birth);
• 21: insured persons can collect their pension from the age of 63 if they have paid 5 quarters'* worth of contributions by the end of the civil year of their 21st birthday, if their insurance duration is 172 quarters.

*For persons born in the last quarter, only 4 quarters are required.

Source: Law no. 2023-270 of 14 April 2023 on amending financing for social security for 2023.