PENSION REFORM. The pension reform will be presented on January 10, 2023 by Elisabeth Borne. Raising the retirement age, taking into account hardship and long careers are notably on the program.
[Mis à jour le 5 janvier 2022 à 11h33] On January 10, 2023, Prime Minister Elisabeth Borne will publicly present the pension reform, before going to the Council of Ministers on January 23. In the meantime, millions of French people are wondering about their future. And the least we can say a few days before the announcement is that there is doubt. Firstly concerning the starting age, nothing has yet been decided between a start at 64 or 65 years old. The government wants to raise this legal age of departure, but for whom? In reality, the generations 1961 to 1969 would be concerned. To be clear, the minimum working time should be pushed back by 4 months per year. For example, an employee born in 1965 will have to work until the age of 63 and 8 months and will be able to retire at full rate in 2027. Other key points such as the introduction of a minimum pension (around 1,200 euros), the consideration of long careers, and the abolition of certain special schemes are still under discussion. Verdict on January 10.
The content of the 2023 pension reform is becoming clearer. Dear to Emmanuel Macron, the decline in the legal age of progressive departure from 62 to 65 should take place. The postponement of 4 months per year from the summer of 2023 should make it possible to raise the legal age to 65 at the start of 2031. The main part of this pension reform should go through an amending financing bill for Social Security (PLFRSS). This could allow the government, if necessary, to resort to 49.3. In other words, by adoption without a vote. The latter is now considering the presentation of a second bill to have other measures adopted, such as potential salary insurance for seniors who wish to continue their careers, or the creation of the famous index of seniors. The executive has put forward several main leads before the end of the year holidays, here they are:
- Creation of a minimum pension at 85% of minimum wage : nearly 1,200 euros
- New device on long careers (early departure)
- New device on the arduousness (extension of C2P)
- Towards a removal of the taking into account of summer jobs
- Towards an abolition of certain special diets (RATP, IEG)
- Creating a “index of seniors“in the interests of professional equality
- The age ofcancellation of the next to stay at 67 ans
- Towards the establishment of a salary insurance (for employees over 55 who wish to continue working, and who find a less well-paid job than the previous one)
The executive plans to increase the minimum working time by 4 months per year. In other words, the first generation concerned will be the 1961 generation, and more particularly seniors born between July 1 and December 1. From the 1970 generation, the legal retirement age will automatically be set at 65 if this reform comes into force. Are you concerned? Here is the new legal starting age, based on your year of birth:
- Generation 1961 : 62 years and 4 months, in 2023
- Generation 1962 : 62 years and 8 months, in 2024
- Generation 1963 : 63 years old, in 2025
- Generation 1964 : 63 years and 4 months, in 2026
- Generation 1965 : 63 years and 8 months, in 2027
- Generation 1966 : 64 years old, in 2028
- Generation 1967 : 64 years and 4 months, in 2029
- Generation 1968 : 64 years and 8 months, in 2030
- Generation 1969 : 65 years old, in 2030
The pension reform should not structurally modify the current system. A mechanism for long careers will be retained, assured Emmanuel Macron on October 26 on the set of France 2. “We have to negotiate it. We must keep a mechanism where, of course, they will be asked to work a little longer, but define the right threshold”, he defended.
During an interview with Le Parisien, Prime Minister Elisabeth Borne mentioned this problem of long careers. For those who started working early, the system could, in the future, allow them to leave two or four years before the legal retirement age. “The principle will be maintained and even relaxed for those who really started working very early,” she added.
For more than three years, the abolition of special diets has been in the government’s small papers. Faced with the rumble of contributors to special plans, the latter has reviewed its copy. It plans to prohibit access to special schemes for new hires in the trades concerned. In other words, the old ones will keep their special regime, but the new ones will no longer have access to it. The limit is as follows: to remain attached to his special scheme, the employee must be less than 17 years from retirement, in 2020. This is the famous “grandfather clause“.
With this reform, insured persons linked to a special scheme will retain their benefits, for the vast majority if they were born before January 1, 1975. For employees of the RATP, SNCF, Bank of France, IEG and the state workersbefore January 1, 1980. For the miners and drillersbefore January 1, 1982. The Paris Opera dancersand the dockers, they will not be impacted. This special diet should not move one iota.
Hardship at work is one of the government’s priorities in this 2023 pension reform. In this logic, it wishes to broaden the scope of action of the C2P (prevention professional account). This system makes it possible to accumulate points so as to retire earlier, according to six hardship criteria: night work, work in successive alternating shifts, repetitive work, activities in a hyperbaric environment (under water, nuclear reactor containment), extreme temperatures or even noise.
The objective is therefore to broaden these risks using three additional items: the carrying heavy loadsthem mechanical vibration and the painful postures.