Pension reform : two sensitive issues to resolve

What will become of pensions for hardship, disability, or incapacity in the future universal system ?

The health issues have been at the heart of discussions in social conducted in recent days by the high commissioner to the pension reform, Jean-Paul Delevoye. With a polling key : how to translate, in the new points system, the specific devices which are now in their retirement, senior citizens relating to a disability pension, and those declared unfit for work, but also, in some cases, those who have had a painful labor ?

The thorny issue of the difficulty

About the most sensitive : the taking into account of the painfulness. Two devices currently allow employees to leave earlier to the retirement.

first, there is the "pro prevention" (C2P), created by the pension reform of 2013. The employees exposed to certain factors of drudgery accumulate points, which can serve to retrain, move to part-time or anticipate the retirement of up to two years. Eight quarters maximum can be obtained for from before the legal age or dropping earlier than the full rate.

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by the End of 2017, the scope of the device, however, has been reduced: the number of criteria of hardness taken into account is reduced from ten to six. Only 18 000 people would use in 2060 the C2P new formula to anticipate their retirement, according to the national fund for old-age insurance (Cnav).

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Second possibility, in the case of permanent disability related to an occupational disease or a work accident: apply as early as 60 years of a "pension for permanent incapacity", at the full rate. The logic of this device, created in 2010, and relaxed in 2017, is very different from the previous one. It is not a question of prevention but compensation, as the senior must already be sick to go there. It should matter to term to a maximum of 10 000 people per year, according to the high commissioner to the reform.

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What will become of these two devices with the reform ? In both cases, the advocated seems to be of leave to employees meeting the criteria the possibility of leaving before the legal age, which must remain fixed at 62 years. And this, without discount, said Friday the team of the high commissioner. Who has also pointed out that there was no current for it to revise the list of controversial criteria of hardness taken into account.

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The case of public servants treaty "soon,"

In the public service and the special regimes, the hardness also opens right to early retirement, but according to logics and procedures are very different. The opportunity is open to civil servants of a category "active".

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The future of these devices needs to be discussed "soon" with the social partners, says the team of Jean-Paul Delevoye. While the reform aims to harmonise the rules of the pension system, the hardness, which is curiously not addressed comprehensively during the social dialogue, but status, by status. However, it is known already that will be the question of the enlargement of the C2P in the public service. Nothing, however, seems not intended for the self-employed.

Incapacity and disability : harmonisation in sight ?

Another topic discussed with the social partners in the past week : the pension for incapacity for work. Devices very used - approximately 15% of new pensioners have benefited from anything that the general scheme in 2017, i.e. about 100 000 people, according to the high commissioner.

what is it ? The rules vary according to the regimes. The employees benefiting from a disability pension can now get a full pension for incapacity as soon as they reach 62 years of age, regardless of their number of quarters. And their quarters disability will count towards the calculation of their pension.

The full pension for incapacity will be granted at 62 years of age if one is recognized by the doctor of its pension fund. This condition, however, is not required in some cases, for example if you touch the allocation disabled adult.

In the public service, the incapacity implies a retirement for disability, with no minimum age. But that said, early departures said pension to be low, as the number of quarters to account in the calculation, says the team from the high commissioner. She finds that many civil servants invalid go as well with the minimum guaranteed.

The track, which seems to be preferred here ? Harmonizing the rules of departure for disability for the various statuses : employees, civil servants, but also craftsmen, traders, liberal, etc With a device rather similar to that of the employees : a retirement at the statutory age preceded by a disability pension to purchase pension benefits.

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How about early retirement enjoyed by today's workers with disabilities - if they adhere to conditions drastic ? This device must be maintained but the details remain to be discussed.