The main difficulty, to know if we are entitled to early retirement for “long career”, is to distinguish the quarters that are taken into account and those who are not, or not completely, explains Dominique Prévert , Associate at Optimaretraite.
by Dominique Prévert
Question to an expert
What conditions will I benefit from a retirement before 62 years?
The legal age of retirement is normally set at 62 years, but this departure can in some cases be anticipated, especially for “long career”.
You can liquidate your retirement rights as soon as you meet two conditions: have validated at least five quarters before the end of the calendar year of your 20 years (four if you were born in the last quarter) , and have a number of quarters “contributed”, all plans combined, corresponding to the number required for a full-rate departure (that’s 168 if you were born in 1962).
All subtlety lies in the calculation of this number of “contributed” quarters.
Certain periods will not be taken into account, or only at a certain limit. This is the case, for example, periods of sick leave, indemnified unemployment and national service that only provide a maximum of four quarters “contributed” throughout your career. The quarters of “child insurance increases” are totally excluded.
The difficulty is therefore to distinguish among all your quarters “validated” those who would not be considered “contributed” and would deprive you of a possibility of early departure. The parade: ask for a “ Attestation of situation vis-à-vis the early retirement “to your pension fund.