This is counter-intuitive: people with disabilities retire later than others.
In 2020, as was already the case in 2018, people considered to be disabled, because they were severely limited in the activities of daily life, liquidated their retirement at 62.7 years against 62.4 years for people without a disability, indicates a study by Drees, the statistical service of the Ministry of Health and Solidarity, published Tuesday.
However, measures linked to the state of health allow policyholders to leave before the legal age.
Disabled people can thus liquidate their retirement at full rate from the age of 55, subject to fulfilling the conditions for the duration of contributed and validated insurance, and if their degree of disability is at least equal to 50%.
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But that's not enough to tip the scales.
There is one simple reason for this: early retirement benefits people without disabilities even more.
This is the case, for example, of the long careers system, created by the 2003 reform, which allows policyholders who started their career before the age of 20 and who have contributed enough quarters to retire at the age of 60, or even from 58 years old if they started before 16 years old.
Thus, in 2020, a little more than 21% of new retirees (or 143,418) benefited from this device according to figures from Agirc-Arrco.
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As a result, in 2020, 34% of people without disabilities were already retired in the year preceding the minimum legal retirement age, against only 17% of people with disabilities.
In addition, people with disabilities are much less often employed as they approach retirement.
At 61, that is to say just before the minimum legal retirement age, 16% were employed in 2020, compared to 53% among people without disabilities.
They therefore spend more years on average without employment or retirement after 50 years (8.5 years, compared to 1.8 years).
This gap has widened since 2013, under the effect of the 2010 pension reform, but it remains stable between 2018 and 2020.
