Nothing is acted but a reform of the calculation of the retirement of mothers is becoming clearer. Thursday June 26, François Bayrou presented the “Advanced” On which the members of the conclave on pensions (CFDT, CFTC and CFE-CGC side unions, Medef and CPME for employers) found common ground. Among these measures, one exclusively concerns women, and more specifically those who have had children and have, therefore, chopped careers. “All participants agreed to improve the right to retirement for women who have had children”welcomed the Prime Minister.
The content of this measure? For the Calculation of basic retirement Private employees, it would no longer be taken into account the 25 best years of career, but the best 24 for mothers of a child and 23 best wages for women who have had two or more children. A reform supposed to come into force for retirement intervening from 2026 if, of course, parliamentarians decide to validate it within the framework of theSocial Security Budget Review in the fall.
According to the statement of Conclave conclusions on pensions Written by the mediator Jean-Jacques Marette, this new calculation method “Will generate an increase in the 50% pension of women” who retire from January 1st. But what would be their real gain? Very little, according to Marilyn Vilardebo, president and founder of Origami & Co, Audit and Retirement Consulting Cabinet for business leaders, liberals, craftsmen and merchants and private managers. “A mother of a child who has received income equivalent to the annual social security ceiling (PASS, 47,100 euros in 2025, editor’s note) for 24 years and worked in the minimum wage the rest of her career will see her gross pension increase by 40 euros per month»»illustrates the expert.
No gain for mothers’ retirement to “flat” careers
A very thin gain, compared to the retirement of around 1,900 euros that this mother would have received without the reform of the calculation method. Barely more than 2%, precisely. “And we are only talking about the general regime’s retirement here!” For a SUP frame, the pension comes mainly from the additional retirement»»warns Marilyn Vilardbo. However, this is not affected by the change in calculation method …
And if mothers with ascending quarries will benefit – a little – from this novelty, such will not be the case with those whose salary has not changed during their activity. “”If you are in the minimum wage all your life, take into account the 23 or 24 best years instead of 25 does not change anything. Same thing if you have been paid for your entire career at the annual social security ceiling, a level of income that caps the basic retirement ”continues the president of Origami & Co. An opinion shared by Eric Weil, former ministerial advisor and pension specialist, who considers on X (ex-owner) that this measure, if it is laudable, “Is not very well targeted because it will be especially mothers with ascending quarries who will benefit from it, when those with flat careers will not see the difference”. Rather than a new calculation method, Eric Weil offers to increase the pension of women by 5% per child. As a reminder, the mothers (and the fathers) of the family benefit from a 10% increase in their pensionbut only from the third child.
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