{"id":144277,"date":"2025-06-02T05:02:36","date_gmt":"2025-06-02T05:02:36","guid":{"rendered":"https:\/\/teknomers.com\/en\/what-conditions-must-be-met-to-take-advantage-of-this-offer-teknomers\/"},"modified":"2025-06-02T05:02:38","modified_gmt":"2025-06-02T05:02:38","slug":"what-conditions-must-be-met-to-take-advantage-of-this-offer-teknomers","status":"publish","type":"post","link":"https:\/\/teknomers.com\/en\/what-conditions-must-be-met-to-take-advantage-of-this-offer-teknomers\/","title":{"rendered":"What conditions must be met to take advantage of this offer? &#8211; Teknomers"},"content":{"rendered":"\n<div>\n<figure class=\"wrap-center\">\n<\/figure>\n<p>\n    A law presented in the Council of Ministers on May 7, 2025, aims to strengthen the employment of seniors by facilitating their access to <b>progressive retirement<\/b>. The key measure is to lower the minimum age for this scheme to 60 years, starting September 1, 2025. This reform allows individuals to <b>gradually reduce their professional activity<\/b> while receiving a portion of their pension. The objective is to smoothly support long careers or jobs with high physical demands. Understanding the specific nuances, conditions, and modalities is essential. What rules will apply from 2025? Who can take advantage of this opportunity? Let\u2019s break it down.\n<\/p>\n<h2>\n    Minimum Age Requirement Reduced to 60: A Turning Point<br \/>\n<\/h2>\n<p>\n    Until 2025, only individuals born before September 1, 1961, could apply for a progressive retirement at the age of 60. Others had to meet specific age requirements, ranging from 60 years and 3 months to 62 years. The eligibility age was set two years before the legal retirement age. Following the 2023 reform, which postponed the legal age to 64 years, progressive retirement also seemed further out of reach. However, the text introduced in 2025 brings relief by lowering the <b>eligibility age for the scheme to 60 for everyone<\/b>, providing a gentler transition to a complete end of professional activity.\n<\/p>\n<p>\n    Specifically, employees, self-employed individuals, or public agents can apply for progressive retirement once they reach 60, provided they meet certain criteria. This change will benefit an additional <b>300,000 individuals<\/b> compared to what was outlined in the 2023 reform.\n<\/p>\n<h2>\n    New Professional Statuses Included in the Scheme<br \/>\n<\/h2>\n<p>\n    The proposed law <b>expands the pool of beneficiaries<\/b>, correcting longstanding inequalities. Previously limited to private sector employees and self-employed individuals, the scheme now also includes:\n<\/p>\n<ul>\n<li><b>Permanent civil servants<\/b>, granted a formal reduction in their work hours;<\/li>\n<li><b>Self-employed professionals<\/b>, required to demonstrate a decline in activity, measurable through a decrease in professional income;<\/li>\n<li>Affiliates to <b>certain special regimes<\/b>.<\/li>\n<\/ul>\n<p>\n    As the active population ages, this reform offers a social and economic solution by facilitating a period of partial withdrawal from the labor market.\n<\/p>\n<h2>\n    Duration Required for Eligibility<br \/>\n<\/h2>\n<p>\n    Age is not the only requirement. The <b>minimum contribution period is 150 quarters<\/b> across all regimes. This stipulation ensures that the scheme is reserved for those who have already dedicated a significant portion of their career. <a href=\"https:\/\/lemagdelaconso.ouest-france.fr\/dossier-433-trimestre-de-retraite.html\" rel=\"nofollow noopener\" target=\"_blank\">The quarters counted<\/a> include <b>contributed and assimilated periods<\/b> (such as sick leave, unemployment benefits, maternity leave, etc.). Even if a career has experienced interruptions, the possibility of eligibility remains if there are enough validated quarters.\n<\/p>\n<p>\n    Women who have raised multiple children or self-employed individuals with discontinuous careers may find it challenging to reach this threshold. Consulting a retirement advisor can help clarify one&#8217;s situation before initiating the application process.\n<\/p>\n<h2>\n    Application Procedures<br \/>\n<\/h2>\n<p>\n    The scheme is not automatic. <b>Applications must be made to the retirement fund<\/b>, ideally six months before the desired start date.\n<\/p>\n<p>\n    Employees need to <b>obtain their employer&#8217;s agreement<\/b>. If there is no response within two months, the silence is considered acceptance. Any refusal must be communicated in writing and should include an attestation detailing the work hours and the start date of the part-time arrangement.\n<\/p>\n<p>\n    Civil servants must secure <b>authorization from their administration<\/b> to work reduced hours.\n<\/p>\n<p>\n    Lastly, self-employed and liberal professionals need to present a commitment to reduce their work activity, along with supporting financial documents.\n<\/p>\n<p>\n    Individuals can engage in <b>one or several activities<\/b> as long as the total duration is reduced:\n<\/p>\n<ul>\n<li>Between 40% and 80% of full-time for employees;<\/li>\n<li>Between 50% and 90% for civil servants;<\/li>\n<li>Between 87 and 174 days for self-employed individuals working on a daily basis.<\/li>\n<\/ul>\n<p>\n    Since 2023, all submissions have been <b>centralized online<\/b>, but it&#8217;s advisable to retain physical copies of all supporting documents.\n<\/p>\n<h2>\n    Understanding How Progressive Retirement Works<br \/>\n<\/h2>\n<p>\n    Once the application is approved, the insured individual <b>receives a portion of their retirement pension<\/b> while continuing to work part-time. This amount corresponds to the time they do not work. For instance, if an employee works only 60% of their time, they will receive a pension corresponding to the 40% of time that they no longer work. Each regime has specific nuances; hence, individuals should consult with their retirement fund for details. Typically, the regimes for liberal professions may not be as favorable as those for employees. The insured person <b>continues to contribute and accumulates rights<\/b> towards their full pension. Their final pension will be recalculated, taking into account the new quarters gained during this period.\n<\/p>\n<h2>\n    Considerations to Keep in Mind<br \/>\n<\/h2>\n<p>\n    Progressive retirement is <b>not compatible with certain schemes<\/b> such as retirement cumulation or early retirement for long careers. Therefore, individuals must determine the most advantageous system based on their circumstances.\n<\/p>\n<p>\n    Additionally, <b>the pension amount may be low<\/b>, particularly if accrued rights are minimal or if work time is substantially reduced. This situation could be challenging for individuals living alone or those with limited savings.\n<\/p>\n<p>\n    Furthermore, any <b>change in activity<\/b> (reinstatement to full-time work, prolonged sick leave, contract termination, etc.) must be reported and can lead to the suspension of the scheme from the first day of the following month. Regular questionnaires from the retirement fund must be answered within the specified timelines.\n<\/p>\n<p>\n    <b>Administrative checks<\/b> are also conducted to ensure a genuine reduction in working activity. Lastly, certain workplace agreements and collective conventions may impose restrictions on work hour modifications. Consulting the human resources representative before proceeding with any applications is highly recommended.\n<\/p>\n<h2>\n    Transitioning to Full Retirement<br \/>\n<\/h2>\n<p>\n    To move to full retirement, the insured individual must <b>apply to their retirement fund<\/b>, specifying the desired date to stop working. This transition is not automatic, even after reaching the legal retirement age. The pension will be recalculated to include the quarters contributed during the progressive retirement phase. Consequently, the amount will be higher than if the person had fully retired at 60 or 62 years of age.\n<\/p>\n<p>\n    Ideally, individuals should use the <a href=\"https:\/\/www.info-retraite.fr\/portail-services\/\" rel=\"nofollow noopener\" target=\"_blank\">Info Retirement portal<\/a> for simulations to avoid unexpected outcomes. It&#8217;s also advisable to schedule appointments with retirement advisors for personalized guidance.\n<\/p>\n<p>\n    The progressive retirement scheme, now expanded to include younger individuals and a broader range of professional statuses, allows workers to gradually exit the workforce without experiencing a sudden loss of income or upheaval in their social life. Nevertheless, this system requires careful planning to ensure one can benefit fully from it.\n<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/teknomers.com\/category\/general\/\" rel=\"dofollow\">General News &#8211; 2<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A law presented in the Council of Ministers on May 7, 2025, aims to strengthen the employment of seniors by facilitating their access to progressive retirement. The key measure is to lower the minimum age for this scheme to 60 years, starting September 1, 2025. This reform allows individuals to gradually reduce their professional activity [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":144278,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-144277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"_links":{"self":[{"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/posts\/144277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/comments?post=144277"}],"version-history":[{"count":0,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/posts\/144277\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/media\/144278"}],"wp:attachment":[{"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/media?parent=144277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/categories?post=144277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teknomers.com\/en\/wp-json\/wp\/v2\/tags?post=144277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}