The future pension plan universal points will not be more supportive to job seekers. The draft law prepares old days difficult. Analysis.
The government assures us : the future universal system of pension points will be more redistributive; it will take a better account of the vicissitudes of professional life. For the unemployed, the reform does not, however, the path of a system with more solidarity. Article 42 of the draft law, which deals with “career interruptions”, contains the same provisions that are highly unfavorable. Review of detail of what will change, from 2025 onwards.
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unemployed people on benefit
today. The pension system is very benevolent with those that affect the allocation of return to employment (ARE). The latter validates, in effect, quarters for the basic pension, at the rate of a quarter to 50 days compensated (within the limit of four quarters per year). In addition, these same job seekers continue to gain points Agirc-Arcco for their supplementary pension. Points, which are calculated on their former salary, not on their unemployment benefit.
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Tomorrow. The universal plan will take into account the whole career. Therefore, there will be more ways to neutralize the bad years as the allows today the old-age insurance (with the rule of the best 25 years). Moreover, unemployed persons will acquire rights based on the amount of their allowance back into employment, not on previous earnings. This will be much less favorable, since the AER is only between 57% and 75% of the previous salary.
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even Worse, this salary of reference will be called to drop, sometimes drastically. From the 1st April next, Pôle emploi will take into account the periods not worked during the past two years to calculate the salary of reference of the job seekers. What further decreasing the points earned for retirement.
The unemployed that affect the allowance of specific solidarity (ASS)
today. job-seekers who, having exhausted their rights to take the ARE, affect the allowance of specific solidarity, can still validate quarters for the basic pension. In normal times, they can validate it for four. The unemployed senior citizens over 55 years of age, who have contributed to the pension for more than 20 years, can validate up to 20. In addition, the holders of the SSA benefit points “free” for their supplementary pension. These points are calculated on the one hand less of their former salary, not on the amount of their allocation of solidarity.
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Tomorrow. All the years counting for pension in the future system, it will be impossible to make it disappear, at least for the basic pension of the old-age insurance, the bad passes by keeping only the best 25 years. The beneficiaries of the SSA will acquire, of course, points retirement. But those will be calculated on the basis of their allocation. Because of the amount of the latter (16,74 euros per day, or 502,20 euros for a month of 30 days), very little pension entitlements will be generated for their old days.
unemployed non-compensated
today. Those who have never worked are entitled to nothing for their retirement. But all those who have already contributed to the general regime or to the social security of the employed individuals benefit from a safety net. A small summer job is enough ! This thread only applies to the basic pension : they will gain no points for their supplementary pension.
The title of the first period of unemployment, non compensated (which is not a consequence of a period of unemployment compensation), thus, we can validate up to six quarters for the basic pension. In addition, you can also validate quarters for periods of unemployment, non compensated, which follow immediately on periods of unemployment compensation. Thus, we can validate up to four quarters (and even 20 quarters, if it has more than 55 years and has contributed to the pension for at least 20 years).
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Tomorrow. The unemployed not receiving benefit do not gain any points for their future pension. They will ultimately be considered to be inactive, who are not working nor looking for work. But one can imagine that they will credit the points pension on the basis of the universal income activity (RUA), if it sees the light of day. The “work in progress” on this income are in fact mentioned in the article 42 of the draft law.
The unemployed by the end of the career
today. job-seekers compensated that reach the legal age of retirement (62 years) are not required to liquidate their pension. They can continue to receive the allowance for the return to employment until you get the number of quarters required for the full rate. But under certain conditions, be compensated for at least one year.
as Soon as they reach the full rate, they are no longer covered by unemployment insurance, which forces them to liquidate their pension. With, as a consequence, the application of a discount of 10% on their supplementary pensions Agirc-Arrco. But this penalty is temporary, limited to three years. And it does not apply, or half, to the beneficiaries in the ASS, and those which affect a small pension.
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Tomorrow. The rules are not yet very clear, given the uncertainties still weigh on the mechanism of the age-pivot or balance (which is to be substituted at the full rate current). Let’s imagine that it is set at 64 years. Any unemployed person arriving in the late rights between 62 years (legal age maintained) and 64 years will find itself without resources, and compelled to retire. But as it has not reached the age of balance, it will apply a penalty on his pension which can reach up to 10%. A penalty is final, which will cut its revenues for the duration of his old days. A system that is unfair to job-seekers older workers because they can’t, like employees in office, decide to extend their working lives by a year or two to escape the haircut.