Not going back on theLegal retirement age at 64 From 2032. While the permanent joint delegation (DPP) – New name of the conclave – on pensions must hold its final meeting, Tuesday, June 17, “the improvement” of the main measure brought by the reform of pension of 2023 is no longer on the agenda. But age will still be discussed for the CFTC, which pushes in favor of a lowering of 67 to 66 years of the age of cancellation of the discount. A relaxation of the starting rules that would benefit “Mainly to women who have to work up to 67 years due to holes in the racket due to maternity periodsdetails in Capital Pascale Coton, vice-president of the CFTC in charge of pensions. Men who perceive small wages are also concerned »completes the leader of the French Confederation of Christian workers in the conclave on pensions.
But what would this measure change, precisely? To understand it, you have to come back to the discount mechanisma penalty applied to the amount of pension from retirees who did not obtain the sufficient number of insurance quarters to take advantage of a full -rate retirement. A contribution Fixed at 169 quarters for the 1962 generation, 170 quarters for workers born in 1963, 171 quarters for those born in 1964 and who had to reach a peak at 172 quarters (43 annuities) for the 1965 generation and the following.
Currently, an employee who liquidates his retirement with all the required quarters receives a pension equal to 50% of his average gross annual salary Calculated over its best 25 years. Without having obtained the number of quarters required, he underwent a discount of 1.25% per missing quarter, unless he retires at 67, age which allows to leave with the full rate. In this situation, even without having reached the required number of quarters, so you avoid the discount.
“We wanted us to cancel the discount at 65”
For example, if you were born in 1963 and you plan to retire with 165 quarters out of 170 required – you are therefore lacking in 5 – with the discount, you will perceive your assigned retirement from a minor coefficient of 3.125% (0.625% x 5). You will thus receive a retirement equal to your average annual salary multiplied by the ratio between the number of quarters obtained and that required, all multiplied by (50% – 3.125%). A “penalty” of 6.25% (3.125% x 2) which would jump at 66 years if the CFTC demand is retained. “Originally, we wanted us to cancel the discount at 65, but we agreed to shift this one -year terminal because of its cost”specifies Pascale Coton.
Because this measure is indeed very expensive. No less than 1.2 billion euros in 2030 and 5.5 billion euros in 2045, according to the cost of the conclave on pensions. Asked about the lowering of the age of the discount in La Tribune on Sunday of June 15, the boss of Medef Patrick Martin considered that he “Would only make sense if the trade union organizations offer savings in due competition”. A constraint that the CFTC, like the other unions, have not forgotten, Pascale Coton citing several tracks of savings to be faced with the measure, among which “Rationalize the cumulation of retirement, Sub-index pensions or limit certain long careers ”.
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