If the deceased spouse was married more than once, the survivor`s pension is distributed among the surviving spouses in proportion to the years of marriage. If you meet the conditions of a pension calculated with the maximum rate: legal age and duration of insurance, you can decide to extend your activity to increase the amount of your future pension thanks to a supplement. In addition to pension insurance (your social security pension), it is important to find out about the age and amount of your pension in your supplementary pension: agirc-arrco.fr or ircantec.retraites.fr. The Social Security Financing Act provides for an increase mechanism for calculating the duration of insurance for the payment of a full pension. Three criteria: motherhood, education and adoption. However, to receive a full pension, calculated at the maximum rate at the age of 62, you must receive a certain number of quarters of contribution. If the retirement takes place before, its amount will certainly be reduced. 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 The age at which you cease your activity has an impact on the amount of your pension. You can retire at the legal age, before or after the legal minimum age. As a general rule, if you are still in business, the later you retire, the higher this amount will be. The benefit of a full supplementary pension is granted to individuals: people who decide to retire without having acquired enough housing to benefit from a full basic pension also benefit from a reduction on their supplementary pension through Agirc Arrco points.
In addition, it is definitive. From the age of 62, you can apply for retirement at any time. When you reach the age of the automatic full rate, your retirement will be calculated at the full rate, regardless of the number of quarters purchased. You can therefore retire without a reduction penalty. However, your pension is calculated in proportion to the number of quarters purchased. To improve it, even if you have acquired the necessary neighborhoods, you can choose whether you want to continue working according to the legal minimum age. In this way, you will receive an increased basic pension. In fact, this supplement increases the amount of your pension for each additional calendar quarter. If there is a date to remember for the transition to retirement, it is 62 years.
Indeed, since 2010, the minimum retirement age for all pension schemes for people born after 1955 has been set at 62, except in special cases that we will see later. Average retirement age in France in 2018 (source COR) Download our brochure I am preparing for retirement or My retirement, instructions for use. However, to receive a full pension (without deduction), you must have contributed in a number of quarters in addition to reaching the minimum age. 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 decide to postpone your retirement by one year, avoid the temporary reduction and at the same time benefit: if you delay your departure by two years, in addition to the premium on your basic pension, you will receive: the deadlines in this case are similar to those of a dismissal: 3 months before his birthday, the employer must inform him and ask him, if he agrees to retire. If this is accepted, the employer only has to proceed with the effective retirement. The amount of the survivor`s pension may not exceed 54 % of the amount of the pension to which the insured person has received or to which he would have been entitled. To avoid this temporary cut, you will need to postpone your retirement for at least one year.
You will be informed© by e-mail that the page „At what age can you retire in the private© sector? Â` is considerably updated. The system is called „pay-as-you-go“, like the basic pension: the contributions paid by employees and their employers make it possible to pay pensions immediately to current retirees. 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. An increase for dependent children of €103.79 per month (July 2022) may be granted if the surviving spouse has at least one dependent child under the age of 16 and does not receive a personal pension.