The president has waived the age at pivot 64 for a retirement without discount. He wanted an age of individualized instruction and a minimum contribution period. Explanations.
Emmanuel Macron said on Monday evening its preference, in the project to overhaul the pension system, for a calculation of the pension entitlements, related to the duration of the contribution rather than the age of departure. For "what is fair in terms of contributions, ( ... ), I prefer that there is an agreement on the period of contribution, rather than age," argued the president, on France 2, "because if you have an agreement on the duration, if you start later, finish later, and when you start early, you leave early", he explained.
A new turn of the head of State while the High commissioner, Jean-Paul Delevoye, who has made its recommendations - and is tipped to the government in charge of this issue - has recommended a "full rate" at the age "pivot" of 64 years with a discount and a surcharge.
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"Currently, the starting age to the legal retirement and the minimum age of 62 years. The recommendation of Jean-Paul Delevoye is to put in place an age 'pivot' to 64 years of age, because this is the age balance of the plan that ensures that revenues cover expenses," says The Express, the economist Philippe Crevel. This means that people who wish to from at the age of 62 could, but they would have a kind of "malus" and of discount, equivalent to a decrease of 5 % of their pension. Conversely, for those who will be leaving later, those would have a storm surge, sort of a bonus of 5 %. A way to "encourage people to delay their departure," noted the economist.
the duration of The contribution, less effective for the balance of the plan
For the director of the Institute for public policies (IPP), Antoine area of bozio, whose reflections have inspired the proponents of the establishment of a universal system for points in France, this age is pivotal, and thus raises a major problem : "That is putting all employees at the same level, without taking into account the age where everyone to begin to work. It is very surprising".
Currently, in order to receive a full pension, it is necessary to have contributed approximately 41.5 years. This duration is required to lie, since she goes to be raised by one quarter every three years from 2020. In 2035, it will have contributed approximately 43 years of age according to the law Touraine 2014.
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"The advantage with this way of calculation is that those who started work at 18 retire earlier than those who started at 25, because they will have contributed for enough years," says Philippe Crevel. "On the other hand, it is a formula that is less advantageous for the officers, for instance, who have made more extensive studies and will therefore have to retire older." According to him, this calculation would have less impact on the financial equilibrium, because it does not apply to everyone at the same time : "The age is a parameter that is more efficient than the duration of the contribution to the equilibrium of the regime," he insists.
"Everything still remains to be defined"
Antoine area of bozio says : the announcement of Emmanuel Macron on Monday night is in any case not very clear. "The president said, 'let's Make a system individualized', but it is not yet known on what grounds [...]. How will be made of this individualization ? On the duration of contributions ? Everything still remains to be defined."
As for the change of tack by the president, the specialist pensions, has not the shadow of a doubt : "the question of The age post has been highly criticised by trade unions, including the CFDT, and it is clearly an outstretched hand". An opinion that is shared by Philippe Crevel : "Macron is in need of allies in this sensitive topic. If there is goes all alone in frank-shooter, it could end in the face of snipers. It is a form of concession in respect of the CFDT, with its main support," he concludes.
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A way for the head of State of prepare for the battle ahead, and not see the CFDT Laurent Berger join the ranks of the CGT and Force ouvrière. Demonstrations against the pension points are already planned for the 21 September to the call of FO, and on 24 September at the call of the CGT.