Pensions : a new system is more readable and more fair to the survivors ' pensions

The iFRAP was awarded the score of 8/10 to the government in respect of survivors ' pensions. Figaro

3.8 million people receive in France a reversion pension from their deceased spouse ($4.4 million in cash to non-residents). At 88%, are women. Among these people, with 600,000 only perceive this pension so-called "derivative rights". The average amount is of 642 euros for the widows and 304 euros for widowers. The annual cost of the reversion is now approximately € 30 billion, or 10% of the total expenditure of the pension.

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today, the rules of survivor are very different from one regime to the other : the age at which one can touch the reversion differs from a regime to another between 50 years and 65 years and there is no minimum age in the public service. The resource conditions are not the same : if the resources of the surviving spouse exceed 20.550 € per year, the reversion CNAV is not granted, for example, while the reversion of the supplementary pension yes, and that public officials do not have criteria of resources. In addition, the percentage of the pension of the deceased paid also varies between 50% and 60%.

rules become the same for all

We can see here that the iniquity is to rule, and that two people in an identical situation of widowhood will not have the same amount of survivor's pensions if they have worked in the private or in the public for example. The amount of the reversion to the public being much more generous.

In the new system, the rules of reversion will be the same for all. The reversion will be accessible from age 55, provided you have been married at least 2 years and shall not be subject to any condition of resources. The device chosen will guarantee the widowers maintain their standard of living (including income from pensions and labour income) up to a percentage of the pension of the couple, which will be set at 70% by decree. Provided they do not remarry. The new framework will apply to surviving spouses of retirees of the new regime died, either from 2037.

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The topic of the reversion of the divorced and will be dealt with by an order for the issue of share rights during the period of community.

According to the simulations conducted for the impact study, the projected expenditure of reversion should be pretty much identical until 2048 before declining relative to the expected expense in the current system of 2 billion people by 2050.

Then what about this new method of calculation of the reversion ? The objective of simplification is welcome : in fact, it was somewhat understandable that the widow has not the same impact according to the pension plan. The reversion will therefore be a universal right and not a right depending on the status and this evolution was necessary. The percentage of 70% guaranteed income prior to the couple - if it is not calculated in a way too restrictive - is also good news. Hence the note of 8/10

Macronomètre is a website of the Fondation iFRAP. Figaro

The Macronomètre, the observatory of reforms in the government, is a site of the Fondation iFRAP in partnership with Le Figaro. It is a tool dedicated to the assessment of the quinquennium of Emmanuel Macron: econometric evaluation in relation to its electoral programme and announcements of his government. With The Macronomètre, the action of the government is to be marked out of 10 each Wednesday prior to the council of ministers and becomes readable in a single glance. The Macronomètre allows each to make a notice on the holding or not of the promises of the president of the Republic and on the effectiveness of the reforms of the government.

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