From a strictly monetary point of view, the pension reform should be a little more advantageous for women and for people of modest means. This is one of the lessons of a very instructive survey that has just been carried out by the Department of Research, Studies, Evaluation and Statistics (DREES) – placed under the supervision of the social ministries and Bercy. It appears in the appendices to the annual report of the Pensions Orientation Council (COR), officially made public on Thursday 22 June and the content of which was mentioned by The world, three days earlier. This is new insight, which usefully supplements the audit released in January by the government on the repercussions of its project.
The note from the DREES is worth the detour, first of all because it provides essential reminders to understand the concrete consequences of the law of April 14, which is gradually pushing back the legal age of departure from 62 to 64 years. For the insured, the impact is not the same according to their generation, whether it is the age at which they retire or the level of the first pension received – at the time of the “liquidation”, c that is, when they claim their rights. In addition to the year of birth, many other parameters come into play: gender, number of children, whether or not you benefit from the long career system (which allows you to leave earlier if you started working young), etc
The DREES has chosen to look into the case of three generations who are “affected differently” by the reform. With regard to persons born in 1966, the age at which benefits are granted is raised by one and a half years, compared to two years for the 1972 and 1984 generations. The law of 14 April contains other measures, for example the overhaul of the “contributory minimum”, which increases the value of small pensions: it has more marked positive impacts for those who were born in 1984 (due to a “snowball” effect, over the generations).
Higher bonus for women
The new rules lead individuals to stay in work longer, and therefore to retire later than they had planned before the reform. However, this gap would decrease, year after year: it would be almost seven months for those born in 1966, against six for the 1984 generation.
The magnitude of this carryover would be clearer for women than for men: between 7.3 months and 7.8 months depending on the year of birth, against a range of 4.6 months to 6.2 months for men, according to the generations. These are average values that camouflage significant disparities depending on the categories. Just one example: people who are unemployed should wait between ten and twelve months longer to be able to request payment of their pension, because of the law of April 14.
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