Retired early departure: why those who need it most do not benefit from it

This Thursday, April 10, the Court of Auditors submitted to the government its report on the effects of the employment pension system. She points to the poor targeting of the early retirement system for long career.

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The long career system is poorly fagoté. This is the severe observation drawn up by the Court of Auditors in its report on the impacts of the retirement system on competitiveness and employment, presented to the press this Thursday, April 10. Set up in 2003, “This mechanism was to allow the French who started working early – often without qualification or via apprenticeship – to retire two years before the legal age. And this, at full rate “recalls Angélique Pelloux, president of the Qualiretite retirement audit firm. The objective? Make the pension system more equitableby promoting workers in painful trades.

Logically, these low -skilled workers – therefore often less well remunerated – should be the first to take advantage of the system. And yet … “For practically all generations since 1906, the average retirement age of retirees whose pension is the lowest is higher than that of retirees whose pension is highest!”notes Pierre Moscovici, first president of the Court of Auditors. In other words, The poorest workers are also those who retire the latest. Worse, they are largely underrepresented among the beneficiaries of the long career system. “Retirees whose pensions are between the 1st and the 4th decile represented only 13% of departures for long career”note the magistrates of rue Cambon. Conversely, it is the insured from the 5th to the 8th decile – for average or even comfortable income – who benefit the most.

How to explain this paradox? Questioned by CapitalCarine Camby, president of the first chamber of the Court of Auditors, evokes the fragility of professional careers :: “Very often, people with the most modest incomes are those who have more chopped careers”she explains. These periods of unemployment or illness, for example, “Then prevent them from fulfilling the conditions of access to early retirement”that is to say having started working young, but above all have validated the necessary quarters For full -rate retirement. “There is therefore a real gap between those who should theoretically be the first beneficiaries and those who are in fact”continues Carine Camby.

Lack of lack of information?

But reducing the problem to a simple story of criteria would be misleading. There is also, and above all, a Massive non-recourseaccording to the president of Qualiretraite: “The insured are very little aware of their eligibility. There is a big lack of information around early retirement ”she continues. The fault, according to the expert, to the low communication of the pension funds, but also of France work. Result, “Some insured people make choices at the end of their careers which however move them from early retirement, without even knowing it”deplores Angélique Pelloux.

A lack of support which, according to her, leads to real absurdity. Take the example of an employee at the end of his career. After months without finding a suitable job, he ended up staying unemployed. A fallback solution which, in this specific case, closes the door of early retirement. “It’s a real messinsists Angélique Pelloux. Because if he had been informed of his missing quarters, he would have certainly accepted an ideal position, certainly, but sufficient to validate his rights to an early departure. ”