Pension reform : who wins, who loses in the points system ?

Employees, independent... what will be the impact of the reform on future pensions ? Here are four concrete examples from major lines that are already known.

A euro contributed to give the same rights for all. It is the goal hammered by the high commissioner to the pension reform and the new minister Jean-Paul Delevoye : the new pension system that he has proposed to the government is more just and more equitable.

Is this true ? Maybe. But, for there to be winners there must be losers. "The new rules of the game will not be favourable to everyone," warns Dominique Prévert, of Optimaretraite. This is illustrated by the simulations he has carried out and which we publish below : in the identical situation, they compare the rights of a future pensioner in the current situation (left) to those for which it may claim in the future plan to points.

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Everything can still change. A new phase of negotiations begins with the social partners and there is still some way to go before the recommendations of the report Delevoye become bill. However, it is possible to make projections - albeit theoretical - based on the assumptions made on 18 July :

• the expected performance of The new item announced is 5.5%. In other words : for 100 euros together, a retiree will receive a 5.5 euros per year for the whole of her pension - the rate final will not be defined only in 2024. This is the one that we selected for the calculations.

• For pension contributions, a single rate from 28,12% will be applied to wages from January 2025. But on these 28,12%, only 25,31% will be eligible for points - figure chosen for the calculations. 28,12 least 25,31 : the 2,81% remaining will participate in the financing of the system.

• For the self-employed, contributions will be 28,12% up to one times the annual Ceiling of the social security (Pass), equal to 40 524€ in 2019, but 12,94% 1 to 3-Pass - or, always in 2019, which is between 40 524€ and 121 572€.

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To illustrate, in the table below, the current system, the examples are based on an average of pay throughout a career. In the basic plan, to get the famous "full rate", an employee born from 1973 will have to justify 172 quarters.

Example # 1. Julie, a non-framework with a child earned an average of 30,000 euros per year throughout his career and will be the number of quarters sufficient to receive a pension monthly gross 1751 euros. In the future point system, it would be to 1496 euros. The annual contribution wage will decrease to 18 euros.

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Optimaretraite

Example # 2. Gabrielle earned an average of € 18,000 per year over his professional life, but does not have the number of quarters sufficient (100 instead of 172). It would affect 522 euros with the system by points, compared to 463 euros in the current system. Its annual contribution salary would be € 11.

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Optimaretraite

Example # 3. Mahmoud, a framework, has gained an average of 60 000 euros gross per year. If it's going to be 62 years with all its quarters (172), he shall receive a pension of a little more than 2992 euros in the future system by points, against 3259 euros in the current system. The annual contribution wage increased from 97€.

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Optimaretraite3

Example # 4. Paul, a doctor of sector 1, was exercised in a liberal and collected 120 000 euros per year on average. If he leaves at the full rate, he will see his pension cut in the future plan: it is expected to fall to 3608 euros compared to 4500 euros today. The annual fee would be in addition superior 1967 €

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Optimaretraite

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In these examples, the calculations have been made to limit social security, value and duration of assessment constant. The children have not been taken into account. Women and men will be able to benefit from an additional 5% of the points from the first child. Today, only the parents of at least three children to receive a bonus of 10 %.