Finance

Presidential elections: candidates’ proposals on retirement

The proposals of the candidates for thepresidential election on theage lThis isdaughter of ddepart to retirement are very diverse. In complment, some candidates are proposing toextend or reduce the duration ofretirement insurancecorresponding to the number of quarters necessary to receive a pension at full rate.

For a realAndve to 64 or 65 from the starting age to retirement

Macron

Emmanuel Macron speaks out in favor ofa postponement of the retirement age to retirement at 65 yearsat thehorizon 2032. With a gradual extension over 9 years, at the rate of 4 additional months per year. This change in the retirement age was not included in its 2019 pension reform plan. The retirement age would be maintained at 62 years for workers “ victims of theprofessional wear »and lowered to 55 for disabled workerss.

Among other proposals, E. Macron plans toto augment the minimum pension to full rate at €1,100 / month, from eliminate special diets (RATP, EDF…) for new entrants to from 2023 and to offer a job-retirement combination simpler and more advantageous.

Pécresse

Valerie PECRESSE to consider a relayve to 65 years from the starting age to retirement, dhere 2030. That is an extension at the rate of 5 months a year. Exceptions would be maintained for penibilitystar and carriAndnothing long.

The candidate some Républicains offers the guarantee ofa minimum retirement pension equivalent to the Smic report (about €1,269/month currently) for carriersAndfull resolutionAndyour dhere the end of his reform. It announces that it wants to completely free up the combination of employment and retirement, without ceiling or deadline, and to increase the survivors’ pensions of widows and widowers who do nothave not had a carriAndre completeAndte from 54% to 75%.

Zemmour

Eric ZEMMOUR wants to wear the age of ddepart to retirement at 64 years ofhere 2030by an enhancement from 3 months / yearwith the maintenance of early departures for people who started “to work earlyt or who have arduous jobs ». The hardcontribution fee would also be increased bya year D5 years from now.

Small pensions below €1,300 monthly would be revalued up to 600 per year ; the survivor’s pension would be increased from 54 to 75% of that of the deceased spouseedé. And he would restore the additional tax half-share for widows and widowers for thetaxt on income. E. Zemmour also proposes to make multiple employment pensions more attractive by eliminating pension contributions for policyholders withalready validated all their contribution quarters.

For a hold at 62 years from the starting age to withdrawal

Hidalgo

Anne HIDALGO considering capping the age lThis isdaughter of ddepart to retirement to 62 years old current. She would restore the 4 critAndnothing standingnibilityé, out of the 10 initial ones, abolished in 2018, to allow early departures to from 60 years old.

The candidate of the socialist party proposes the revaluation of the minimum old age at €1,000 and you minimum contribution of €1,200.

Dupont Aignan

Nicolas DUPONT-AIGNAN also wishes to maintain the retirement age at retirement at 62 years old. And the hardcontribution fee would be kept at the current level. He is, however, considering a relaxation for the carriAndlong and arduous jobs. It also proposes to reindex retirement pensions on theinflation.

lassalle

John LASSALLE wants to preserve the pay-as-you-go pension, with a maintenance of the retirement age retirement at 62 years old. He wants to promote theacquisition of rights to the earliest retirementt possible, with for example a premiperiod annuitypension plan acquired within the framework ofa new Universal National Service, military or civilian, or for work-study students.

The pen

Marine Le Pen proposes a modulation of the age lThis isdaughter of ddepart to retirement according to the age ofentered in working life : at 60 years for those who started working before the age of 20 and who have contributed 160 quarters (40 winksand); at 62 for those who have started working beyond 25 years, with a contribution period of 172 quarters contributedand (43 winksés). She announces that her reform “aims to strongly encourage young people to enter earliert in working life and reward them for it. »

The candidate of the National Gathering proposes a revaluation of the minimum old age at €1,000. It also wants to reindex pensions on theinflation and restore the tax half-share in favor of widows and widowers.

For a lowering to 60 years from the starting age to retirement

Melenchon

Jean-Luc MELENCHON wants to lower the ageThis isdaughter of ddepart to retirement at 60 yearsand reduce the contribution periodPension insurance at 160 quarters (i.e. 40 annuities).

The candidate of La France insoumise also comes out in favor ofa revaluation of the retirement pension at the level of the minimum wage increased to €1,400 for the carriersAndfull resolutionare ; and to a revaluation of minimum old age to poverty line (i.e. €1,047/month in 2022).

Roussel

Fabien Roussel would like a lowering to 60 years of age lThis isdaughter of ddepart to retirement, with a possibility of dearly departure for the “mstrenuous stages ». He would like to reduce the contribution period to 160 quarters (40 annuities) and calculate the ref salaryerence on the 10 best yearsEast.

Other proposals from the candidate of the French Communist Party : wear the minimum pension at €1,200/monthensure that the retirement pension will reach 75% of net earned income, in both the public and private sectors” and restablish the half-share of widows and widowers.

Arthaud

Nathalie ARTHAUD prThis isconise an age lThis isdaughter of ddepart to 60 yearswith 37.5 winksdues. She is demanding a revaluation of the retirement pension to a minimum of €2,000 net.

Poutu

Philippe Poutou also announces an ageThis isdaughter of ddepart to 60 years (55 years for heavy work), with 37 winksdues.

the minimum old ageyoué replaced by lsolidarity allowance for elderly peopleed (ASPA). This social allowance ensures a minimum income for elderly people.ies with few resources. Its maximum amount is €916.78 for a single person, without resources, in 2022.

the contributory minimum corresponds to the minimum amount of the retirement pension of the scheme gIéral, for a retirement at full rate. This payment comes in addition to basic and/or supplementary retirement pensions. Its amount is €652.60/month (for less than 120 quarters contributed) and €713.11/month (for 120 quarters or more contributing to the scheme gIvasal).

Pwhy propose to raise or lower the retirement age

What reasons can justify a postponement of the age lThis isdaughter of ddepart to retirement and an extension of the contribution period or, on the contrary, a lowering of this âge and a reduction in the duration ofassurance ?

The deficit pension plans has beenThis is cipheré at 18 billioneuros in 2020or 0.8% of gross domestic product (GDP), according to the Council oforientation of pensions (COR). Its November 2020 forecast called for a deficit of 23.5 billion euros.euros. This deficit should be rreduce in 2021 and drop below 10 billioneuros. AT constant legislation, pension expenditure should decreasebetween 2020 and 2070, from 14.7 % of GDP in 2020 at 13.7 % in 2030 then to a percentage between 11.30% and 13 %, according to scThis ismembers, and 2070.

The ratio of contributors to retirees, 1.7 in 2020would decrease to 1.3 in 2070 according to COR projections, due to the aging of the French populationeasy. But the decline in the ratio between the number of contributors and the number of retirees would be mitigateded by the increase in the average retirement age to retirement.

For several years, Iaverage starting age at retirement increases. the was 60.7 years in 2000, 60.5 years in 2010, and s‘establishes at 62.4 years in 2020. According to COR projections, at theconstant legislation, the economic age of departure to retirement would go to 63.7 years in 2035, at 63.9 years in 2070.

And the lifespan retirement selongate : it went from 2 years in the 1950s to 15 years in the 1990s and 23 years old now. It could settle at more than 30 years for the genera 2000. But it remains very unevenly distributed according to sex, standard of living and socio-professional category. A study by the National Institute of Statistics and Economic Studies (INSEE) published in 2018 thus shows that the difference in life expectancy at birth between the wealthiest and the poorest reaches 8.3 years for women and 12 .7 years for men.

Life expectancy at birth according to standard of living

In a survey, certainly a little old, Life expectancy, duration spent in retirement | Department of Research, Studies, Evaluation and Statistics (solidarites-sante.gouv.fr), the DREES points out that there was a difference of about three years ago between life expectancy in retirement executives and workers.

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