Pension reform: the government puts forward points


This time, it really disappeared. After months of preliminary discussions with the social partners, the government presented the general outline of its pension reform on Wednesday evening. As planned and announced by Emmanuel Macron during his presidential campaign, the big bang is underway: a system "Universal" will include in the future the 42 mandatory schemes that coexist today. The dialogue between government, trade unions and employers has just begun: the adoption of the bill was initially scheduled for the end of 2018. Then before the summer of 2019 … By that date, the text should be hardly presented to the Council of Ministers. The entry into force is announced for 2025 …

What will the reform change?

The future system will be "By points". for "One euro contributes to the same rights for all" Macron repeated even before his accession to Elisha. A formula taken by his ministers and Jean-Paul Delevoye, High Commissioner responsible for this reform.

The diet will remain "Pay" – Seniority pensions will still be financed by patrimonial contributions – but very high income (over 120,000 euros gross per year) could be excluded from the system and covered by private insurance. "We have to change this system, it's not suitable for the future because nobody knows how the professional and economic world will evolve." We have to embark on the whole society and intergenerational., he begged Delevoye this Thursday morning on French Inter. Careers must be broken. The points system means we will not have lost the rights. "

The High Commissioner later confirmed that "The minimum age" – he no longer speaks of him"Legal age" – remain at 62 and that the mechanisms that take into account, as today, the hardness will be well established. All the points collected during the career count in the future for the calculation of the pension: thus leaving the last twenty-five years in the private sector and in the last six months among the civil servants for the calculation of the rights and the minimum"Annuities" retire "Full rate". Furthermore, unlike today, public sector bonuses will be taken into consideration. As for the modest workers, in addition to the old minimum that will not move, they will receive a minimum pension.

What fate for women?

Today you must have three children so that both parents can benefit from it "Reclamation" of their pension. Tomorrow, more than just "Increase in the insurance period" for mothers who have had to interrupt maternity leave (undergoing several months' cuts in their careers), they will be entitled to additional points "New solidarity" that Delevoye says he wants to establish. "We want to give points from the first childhe confirmed the high commissioner on Thursday morning. 20% of women must work up to 67 years. If we create a system of solidarity and equality, we can take these situations into account ". Finally, the government seems prepared not to touch survivors' pensions after the controversy of a few months ago. For current ones, this is safe. It remains to know all the details of the reform to see if the future will be equally preserved.

What do the trade unions say?

Apart from the CGT – contrary to the government project because so "Overthrow" future pensions "At a level close to the poverty line for many"said Catherine Perret, number 2 of the union – all came out quite satisfied Wednesday night of the meeting with the government. Favorable for years to a points system, the number 1 of the CFDT, Laurent Berger, greeted "A useful meeting that reminded that the reform is qualitative, not punitive" and allowed to put on the table "A number of arbitration elements". The general secretary of the reformist union, however, calls for a more precise guarantee for small retirees: "At least 100% of the smic for those who have contributed all their lives."

Also the head of the FO Pascal Pavageau, very critical of the formula "By points"he told himself "Satisfied" to have obtained "More evidence than the last six months". but he always asks "Those simulations must be done". Pavageau also continues to warn against "Permanent instability" the value of the point used to calculate pensions.

The CFTC, through the voice of its vice-president Pascale Coton, believes she has "Heard" on "Solidarity mechanisms", especially for women.

And employers?

For his part, the new chief of Medef, Geoffroy Roux de Bézieux, was evidently "Total relatively satisfied" of the presentation of the government, but still calls for the future pension system "Take into account life expectancy and potential productivity gains". Even the successor of Pierre Gattaz continues to ask for a mechanism "Who can be the pin age" encourage the French to work longer. But this track, which did not discard Jean-Paul Delevoye this Thursday morning, remains at "Casus belli" for the CFDT. In the end, since the government has set a ceiling on the weight of pensions – 14% of GDP "Maximum" – the next arbitrations that the government will make will probably be much less consensual. Everyone will do their accounts and then we will be in the tough pension reform.

Lilian Alemagna


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