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When the law the pension reform will come into force in September 2023, a lot of things will change. The legal retirement age will be shifted by 3 more months each year until it reaches 64 years old. The reform also abolishes most of the special regimes that currently exist. The rules for sharing education trimesters between mother and mother are also changing. Explanations.

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Change on the sharing of terms for children

Employees are entitled to an increase in the duration of insurance for maternity and the education of children. On retirement, they can indeed benefit up to 8 additional terms per child if they are affiliated to the general scheme.

Until there, division of quarters goes like this:

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• The 4 trimesters are granted to the mother for maternity
• The 4 trimesters are to be shared between the father and the mother for education purposes (for children born from 2010).

Parents are free to share these trimesters as they wish. The couple could therefore share 2 quarters each for example or give the 4 quarters to the father. This sharing rule will change from September 1, 2023 when the 2023 pension reform comes into force.

The text includes the modification of this mode of sharing. From September 2023, the mother will have at least 2 trimesters for the education of the child. This measure is a proposal by Laurence Rossignol.

« The possibility of granting the four quarters to the father did not reflect the social impact of maternity on the careers of women and their pensions », observes the socialist senator.

Parents must choose to whom the 4 trimesters will go within 6 months after the child’s 4th birthday. Without initiative on the part of the parents, the 4 trimesters will be automatically attributed to the mother.

A pension surcharge for some women

As a reminder, the pension reform raises the legal retirement age from 62 to 64. At the same time, it is accelerating the timetable for the Touraine reform. The current contribution period to obtain a full pension is 42 years, or 168 quarters.

By 2027, this duration will reach 43 years or 172 quarters to contribute. The increase will take place at the rate of 3 months per year. The change in the rules for sharing quarters for children has a significant impact on the pension of certain mothers.

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The reform grants them at least 6 terms per child for maternity and minimum education. It looks like a great advantage for mothers. Thanks to the quarters for children, some of them could exceed the 43 years necessary for a full retirement.

The pension reform law makes it possible to allocate a pension surcharge for women who exceed the 43 years required. This pension surcharge is up to 5%. According to the text, the child pension increase is extended to liberal professionals and lawyers. The reform allows orphans to benefit from the reversion of their parents’ pension.

Other key points of the pension reform

Emmanuel Macron’s reform, as he promised, the increase in the minimum pension. Small pensions will be at least 85% of the net SMIC from the start of the 2023 school year. This will represent 1,200 euros.

This increase concerns employees who have contributed on the basis of a minimum wage, 43 years of contribution in the long term. Current retirees who meet these criteria can also benefit from this increase in the minimum pension.

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The text of the reform also includes the introduction of two new age limits in the long career system. The French who started working at the age of 20 and 21 can retire at age 63.

If they started before they were 20, employees can leave at 62. Retirement will be possible from the age of 60 for those who worked before turning 18. The legal age decreases for employees who began their career in working life before their 16th birthday.

Thanks to the reform, they will be able to retire at 58. Civil servants in the “active categories” are always entitled to an early departure. Finally, the criteria are broadened to allow employees to leave working life early.