Gilles Babinet won his first million eurosOur policy work and resists the economic modelSustainable development is almost mandatory What are your agreements with the StateATypically more arid the dob has been a festival of good wordsAt the close the S P 500 has fallen by 1Will this period of relative calm last NonHowever it will be difficult to reconcile the interests of eachIts recommendations are usually followed by the Government433 specifically that the opposition had filedDefinitely, this mechanism too benefit individuals so that it can last! More reason to not drag. We must think without waiting for that interest to be there. Note that a specialized in the problem of redemptions of points has been established to the CNAV.
3. The planned end of negotiated departures
From 2010, the agreements branch derogating from the prohibition of before retirement will 65 be obsolete. Article 27 of the draft law for the development of participation and ownership of the employees is categorical on this point. The major reform of 2003 had already formalized the remoteness of the cursor of the departure date. But a school had been left to the professional branches. They could allow to leave after 60 years, but prior to 65 employees if, in return, businesses were an effort in vocational training or employment.
As a result, departures continued to be negotiated in close conditions of tailor-made. The employer and the future pensioner had any advantage to be conciliatory. Benefits of failure did (largely) amount to no taxation: no tax revenue for the new retired nor expenses for the company.
In three years, the anticipated departures will no longer come from the initiative of the employee. "In any case, says Mr. Hallopeau, if they were the result of an initiative of the employer, these failures to analyse in dismissal, with all the risks of penalties for"absence of real and serious cause".
The practical impact for people in activity It will greatly depend on age. "If they are between 62 and 64 years today, that their employer apply a collective agreement for the retirement age of 65, they are in the context of potential, until the new law applies retired," warns the counsel of Fidal.
"But for people born from the 1950s, it's different," he says. This age group may feel relieved. These people will not be retired before age 65, they keep the initiative. In addition, in contrast to the first, they can still redeem quarters. A they check if they have interest.
Because for all the world, the real issue will be trivialement: how many percevrai I In this connection, a commitment was taken by the public authorities, that everyone can decide informed. A public interest group should be created so that everyone knows where it is today and where it will be the day of his departure. This information is actually necessary to make a thoughtful decision. Las, it does not already exist. Pending, it must still fend the maquis alone or through specialized companies.
4 Rollup
employment-retirement: optimize your extra income
The principle was established by the Fillon law: it is possible to resume activity after retirement and accumulate earnings with the pension on the condition that the gains were lower last income of activity (especially if it comes to wages).
For social security, it is now possible for new retirees since 2004 they rekindled with the former employer. In this case, a period of 6 months should be observed otherwise the payment of a pension is suspended.
Must be understood that rule to use it cleverly. Example: If the retirement was a January 1, and former employee resumed work on 1 April, the suspension of payment of the retirement lasted three months (from April to late June, i.e. three months remaining to run from January 1).
Note that, in taking account of the income, which must not exceed the previous, only mandatory regimes are used for the calculation. Imagine an Executive: he perceived an annual gross salary of 100,000 euros and he also contributed to a supplementary pension (see case 1). In the event of a "replacement rate" mandatory pension of 50, it will perceive the annual sum of 50,000 euros, over 25,000 euros in SERPs, or 75,000 euros. But if it resumes activity, the eligible income ceiling will be calculated on the basis only of the mandatory regime. Therefore, his income can represent up to 49.999 euros. Whereas, if the additional retirement was integrated, his new income of activity could not exceed 24.999 euro.
5. The promise
phased retirement
Prior to the Fillon law provision provided that any employee is entitled to request to work part-time. Need to accumulate five conditions: be an employee of a single employer, do not be leader, have more than 60 years, the full rate and able to liquidate its pensions. So, the person who opted for gradual retirement acquired more rights in the basic scheme, but it could continue to acquire additional rights.
The 2003 reform intended to perpetuate this form of provisional liquidation. Only, the Decree was released only on 7 June. Until then, it was in the status quo ante. Now, the rule that applies is more favourable. As explained in substance Véronique Grall, he must first justify 150 quarters (and not the full rate), all basic schemes combined, that is was employee of the private, merchant, or professional. Then, it must be 60 years. Negotiated with its management of human resources a contract of part-time employment. Third, it must be argued his case to the national old-age insurance fund and supplemental plans, so they begin to pay pensions on a partial basis.
"It calculates retirement on the basis of 150 quarters, continued the Fidal lawyer," and there will be discounts, since the employee may not justify full rate in the basic scheme, idem in supplemental plans."
The day of the final retirement, the Fund will recalculate to account for the partial time period. The retired is provided by the order that the amount of its final pension cannot be less than the full amount used for the calculation of the portion of pension paid during phased retirement. Supplementary pensions are aligned with the abatement due to part-time. They practice the discounts, but with different coefficients of those applied for the final liquiditions. And the day of the final departure, the Fund calculates one last time to determine the set of rights. If the person can justify a full rate in the basic scheme, supplemental plans will not apply a discount.
The advantage of the formula does not have to be proved. First, it allows working for example two times less, to arrive at the same pay. Imagine a salary of 100, which will provide a 50 basic pension. With the phased retirement, the person will perceive 75 (pay 50 retired 25). It is a little less, certainly. But as the charges and taxes fall in proportion, net pay becomes almost identical to a workload to reduced by half. In business, it is the tool dreamed to smooth passage of witness. But beware, the new provision has been implemented provisionally. It is valid until December 31, 2008.
