Pension reform : the pellet of Thomas Piketty

Not only executives, high-income, are not going to contribute 10 times less than the other, but they are among the main losers of the reform. Decryption.

With the reform of pensions, salaries to less than 10 000 € will contribute 28 % when the salaries of more than 10 000 € will contribute only 2.8%. About Thomas Piketty on the antenna of France inter on Monday sparked a wave of indignation on social networks. And for good reason. But they are wrong. No, the rate of contribution executive retirement to high incomes (more than $ 10,000 per month) will not be 10 times lower than that of smicards, contrary to what he suggested. Statements that add blur to a reform that did not really need...

According to the report of Jean-Paul Delevoye, in the future point system, all employees, regardless of their level of remuneration, will be subject to the same contribution : 28,12 %, paid 60% by employer and 40 % by employees. This contribution consists of a part called "contributory", that allows you to acquire pension rights.

On these 28,12%, only 25,31% will be generators of rights and 2,81% the following will be used to finance the system. The share of 25.3% of contributions on income will be capped in the limit of "3-Pass" (annual Ceiling of social security). It was set at 40 524 € in 2019, which means that beyond 121 626 € gross annual salary (10 135 € per month), the frames do not will not have this fee. But they will, in return, no right to pension on any part of their salary in excess of these 121 626 €.

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The 2.8% of the contributions cited by the economist correspond in reality to the part so-called "non-contributory" to the pension contribution : it is, more precisely, of 2.81% of salary and, in contrast to the share, it is not capped. In other words, the executives receive an annual compensation greater than 121 626 € to pay this fee of 2.81% on all of their wages without necessarily profit.

contributions non-contributory are used in effect to fund the devices for the solidarity of our pension system : the minimum old-age pension, family rights (quarters and increases of pensions granted to parents), the quarters provided during periods of inactivity (unemployment or illness), the departures granted to career-long and painful...

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to Say that managers of high income will not benefit from this contribution is just as wrong : to be rich has never prevented him from experiencing periods of unemployment, to fall ill or have children ! In 2016, the Drees (Directorate for research, studies, evaluation and statistics) estimated that the total amount of the solidarity instruments accounted for 16.3 per cent of the amount of the pension is direct and relevant 14.9 million (91.4 percent) of the $ 16.1 million pensioners.

We can, however, consider that these high incomes to fund more devices to the solidarity that others, because their contribution is based on their salary. This has nothing scandalous : it is the essence of solidarity.

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On the other hand, the cap of the contributions of the frames in three-Pass raises more questions. Today, that ceiling is much higher : the frameworks contribute on the part of their salary to less than 8 Pass, or 324 192 € gross per year (more than 27 000 € per month). Morality : 5 % of employees earning more than $ 10,000 per month interest is to be far-sighted in funding themselves a good pension supplement. Their pension will be calculated on the portion of their salary up to 10 000 €.