Age pivot, reversion, the minimum retirement... What is contained in the bill retreats

The age-pivot aiming to impose a financial balance in the draft law on pensions, the contours of which are now known. The details of the measures.

The ultimatum of the CFDT has changed nothing. The red rag that the age at pivot for the first central trade union organisation, but also for the Unsa, a figure well in black and white in the draft law on the establishment of the system of universal pensions. Passed a few days ago the Council of State it was submitted for opinion to the social Security funds is this Friday, January 10. Renamed the "age of balance", the measure that aims to work with the French any longer, under pain of penalty, is indeed present in the text. It would be put in place as soon as 2022

A provision to be punitive to Lawrence Shepherd, who has launched an Internet petition to demand its removal. It will be able to speak verbally to Édouard Philippe. The Prime minister receives, in effect, in turn, the social partners at Matignon on Friday to discuss the "conference funding" proposed by the leader of the CFDT.

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The exchanges promise to be tense, as everyone camped on its positions. The Prime minister did not budge : the financial balance is a requirement for the entry into force of the new system at points in 2025. But, as he had stated on 11 December, he keeps an open door. The draft law specifies that the age pivot will be gradually phased in from 2022 to 64 years of age in 2027, unless the social partners propose an alternative solution. They have until September 1, 2021 to agree.

Enough to defuse the crisis ? "The bill still has a long life ahead of him before his vote in may, June 2020. The lines can still move, either by the council of ministers (24 January), or during the parliamentary debate which begins on 27 February. The seven consultations in the course (arduous, end of career...) are intended to evolve," said a councillor...

In detail, two bills outline the contours of the future system universal : a draft organic law shall determine the supervision of the financial management of the future universal system, by creating a golden rule. This provides that the sum of the balances of annual over five years cannot be negative. A draft ordinary law in five titles pose the fundamental principles of the universal system (mode of calculation of pension, level of contributions), the conditions of the departures and opening of rights (the departures, transitions to retirement), the solidarity instruments (minimum pensions, period of business interruption, family rights and rights of reversion), the organizational structure and the piloting of the system, the modalities of entry into force and transitional provisions.

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reversion granted as early as 55 years

"It's not a surprise, it is a reflection of what had been announced Édouard Philippe," says a source close to the folder. One notable exception : the reversion, which will be granted as early as age 55 (and not from the age of 62). According to the principles previously enunciated : the financial resources of the household will be maintained at a level of 70% of that perceived by the couple. This device will only be made to the surviving spouses of insured integrated into the universal system, either from 2037 at the earliest. The current rules are retained for persons divorced prior to 2025. But a mission will be conducted to make recommendations on the divorced and post-reform.

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The new system in which "a euro contributed to give the same rights for all" remains by distribution : the contribution of the assets will be used to finance the pensions of retirees. Finished the additional, future retirees will have "a single story" mandatory " with a common set of rules, regardless of their status.

Each will acquire points on the basis of the professional activity and solidarity. At retirement, these points will be disposed of by a service value (The number of points X value of service = amount of the pension in euros).

"A new form of full rate"

The minimum age of departure remains at age 62. But, if the age of a balance is upheld, an adjustment factor may result in a penalty or a bonus. It will be determined by the governance (composed of the social partners). So it is she who will determine the new shape of the full rate for retirement... This will lead to the progressive end of the age of the cancellation of the discount currently in effect.

The different devices of departure anticipated will be retained in the system (career long, the devices in favour of workers with disabilities, rights related to the C2P account (drudgery), but will adjust again depending on the age of balance.

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The categories "active" will still be able to leave earlier. Individuals who are 17 years of their retirement, will be eligible for an early departure (à 52 or 57 years of age) if they have completed - as of 31 December 2024 - the duration of service activity that allows them to leave today earlier. For others, the transition will be organised taking into account the portion of their career which will be carried out in active service. These provisions will be set out in the framework of an order outcome of the consultations at sectoral level. All of these mechanisms of early departure will be the subject of a surcotisation the employers concerned in the universal system.

Of specific devices will be maintained for the tasks of government (police, gendarmerie, military, air traffic control, customs, prison administration). The conditions of starting current will be maintained. A surcotisation employers will come to replace the current system of bonus.

A complete career = 43 years

Some of the parameters of the act will apply more quickly than others : the minimum pension with a minimum guarantee of 1000 euros will apply as soon as 2022 to reach 85% of the minimum wage (Smic) in 2025 for the complete working careers. These will be counted in months and not in quarters. You will need to have worked 50 hours at Minimum wage on a month to validate a quarter. A full career will be achieved on 43 years (516 months of contribution).

points of solidarity will be granted the title of the main causes of business interruption : unemployment compensation, sickness, maternity, invalidity. A section of the text outlines the way in which will be taken into account the periods of learning, civic service, internships or years of graduate studies.

On family rights, an increase of 5% (in points) will be assigned by default to the mother but can be shared within the couple. The families of at least three children will benefit from a 2% surcharge.

The current system of old-age insurance for parents at home (which allows you to validate quarters for people who stop their activity under the condition of resources) will be maintained. It will give rise to the awarding of points and can be paid up to 6 years of the last child in the family supplement.

The phased retirement will be extended to employees to employees in bundles days.

Another change that might delight some retirees : any activity that would create new pension rights, even after having validated his pension, which is not possible today.

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Finally, the State also commits in the draft ordinary law, as had been promised by the government, to raise the salaries of teachers and researchers, that the pension reform could penalize them.