2023-08-25 12:06:24
From September 1, individuals will be able to buy back their non-contributed quarters more easily, especially when they were in higher education or on a business internship.
Redeem quarters to retire earlier. The government has set up a system allowing future retirees, from September 1, to be able to buy back their quarters at reduced prices, under certain conditions.
Indeed, while the pension reform must apply in just a few days, the publications of regulatory texts are multiplying in the Official Journal. The latest, released on August 22, makes it possible to record the future conditions for the redemption of quarters of retirement, following a first decree confirming the increase in pension for certain parents.
Nevertheless, buying back quarters of retirement is not new, it gives the possibility of being able to retire earlier or to avoid too great a discount on the pension. These quarters correspond to the periods during which a person has not contributed for retirement and that the latter wishes to take into account when leaving: these may be years of higher education, periods with a career break or business internships.
A reduction for future retirees
But this stratagem has a cost: according to Capital, for example, a young active 29-year-old earning no more than 32,994 euros gross per year, must spend 1,432 euros for the redemption of a quarter in order to avoid a discount. If he wants to make a purchase to receive a full pension more quickly, he must pay 2,122 euros.
And for good reason, this price is explained in particular by the fact that the longer a person waits before buying back his quarters, the more it will cost. With this in mind, the government wanted to encourage the French to do it as soon as possible, thanks to an abatement. This is applicable today if the operation is carried out no later than December 31 of the tenth calendar year following the end of higher education, or within two years of the end date of the work placement. It will therefore be necessary to go to the Agirc-Arrco website to make the request.
In addition, the amount of this abatement is 670 euros for a redemption to avoid a discount or 1,000 euros in the event of a redemption made under the rate and duration of the insurance. And so that a maximum of French people can benefit from it, the decree published on August 22 extends the period to take advantage of it.
Thus, from September 1, the deadline will be postponed to December 31 of the year of their 40th birthday for anyone wishing to benefit from this reduction. Concerning the allowance in the context of a redemption of quarters for an internship in a company having been the subject of a gratuity, the request must be submitted by December 31 of the year of your 30 years. .
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