Contributions, improvements, age, etc. that will decide for our pensions in the future?

Each pension plan today has its drivers. And tomorrow, what will become of the funds to date ? First elements of responses.

does it change the formula of adjustment of pensions, level of contributions, the minimum age of retirement, the conditions to be eligible for a reversion ? These issues explosive arise on a regular basis. Who will decide what responses to make in the future ? If the topic of "governance", the menu of the consultations with the social partners undertaken in recent days by the high commissioner to the pension reform, Jean-Paul Delevoye, may seem abstract, it is crucial for the future of pensions. This is to determine who will take the helm of the future pension system is universal to enter into force in 2025.

The starting parameters have to be set in the framework of the reform (scheduled for the end of 2019), but they should be able to be reviewed by the following, in response to changes in economic, demographic, professional or societal.

The State at the helm, but not only

today, the drivers of the pensions vary according to the regimes. For the basic schemes, the rules of the game are essentially fixed by the State, in the framework of, in particular, of the laws of financing social Security and laws to pension reforms proposed by the government and voted in Parliament. Nothing to do with the way in which decisions are taken by the Agirc-Arrco : for additional employees from the private, trade union and employers share the captain's hat, usually without the intervention of the State.

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The future system does materialize through the creation of a new structure, a sort of national social security fund in charge of pensions. At its head : a board of directors (bod) composed of representatives of different categories of professionals (employees, employers, self-employed, civil servants, etc).

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No question, a priori, to give full powers to the "board", as it is the case of Agirc-Arrco today. "The State may not withdraw from a budget equivalent to 14% of the GDP," says-t-on in the entourage of the high commissioner. But there is no question, either, that the board of directors shall have the management skills, no decision-making power. It's going to have to invent an "in-between", a steering "joint" between the State and a turnover of a few tens of representatives of the professions, " says one in the entourage of Jean-Paul Delevoye.

The diagram is very unclear. In concrete terms, what decisions would be taken by the State and by the CA ? Who would be appointed to this council ? How the representatives of the professions would be chosen ? Would they all have the same weight ? Would there, next to that CA restricts an assembly of wider, more representative of the diversity of professions and statuses ? With what power ? An independent regulator would be created ? So many questions without answers.

Maintenance plans, at the start

In the new points system, the schemes as we know them today would be preserved, at least in a first time. They would have the responsibility to calculate and pay pension and would inherit from the tedious task of converting the rights (quarters, points, etc) acquired in the old system. A "delegation of management", summarizes the team of Jean-Paul Delevoye.

The goal, maintaining the existing organizations, is to avoid repeating the "industrial catastrophe" of the IHR. This expression of the Court of accounts refers to the start down the social System of the independent at the end of the 2000s, marred by malfunctions have serious consequences for the merchants and artisans.

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How many years or decades, the regimes would be living in ? It is the great unknown. Their maintenance, however, does not exclude to implement more quickly between them of "collaboration and mutualization", "or merger", say the architects of the reform, which state that by 2025, the employees, for example, would already a person in their steps, instead of two today (general system and Agirc-Arrco).

the question also arises as to retain, in the long term, "counters" different for some professions wishing to be managed by personnel trained in the specifics of their trades, and statutes, as well as the liberals, farmers and airline pilots.

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All these topics will be discussed with the social partners in mid-April. In the meantime, the debates will be starting this Monday on a theme, an even more sensitive issue, that of the devices of solidarity in the future pension system and the famous survivors ' pensions.