In terms of retirement, Women are often disadvantaged. Even if they work more and more regularly and longer and longer, equality is not yet there. During a webinar organized by Absoluce in partnership with Factorielles, company specializing in social protection advice for business leaders, Absoluce experts explained the measures to take to reduce the loss of rights they suffer upon retirement.
Women are in very specific situations regarding their retirement. Their career is often more fragmented than that of men and their remuneration is lower.. On the other hand, they live longer. The challenge will be to exploit the measures that can be taken to fill the risk areas.. In theory, the calculation formula for men's and women's retirement is similar. In practice, for equal work, women's wages remain lower than men's. Furthermore, their career is often incomplete, because they stopped to raise their children, worked part-time, etc. On the other hand, people who started their career young can benefit from early retirement for a long career. However, the conditions required by this system penalize women because, always, interruptions in their career. For exemple, a person born in 1960 must have started working before the age of 20, Validate at least five quarters at the end of the calendar year of its 20 years and justify at least 167 quarters contributed. But the increase in eight quarters per child is not taken into account, Access to early retirement for long career will be limited for women.
Go to 62
It is not compulsory to wait 67 years to retire. Even without having all his quarters, You can leave from 62 years old, Certainly by undergoing a drop in retirement of up to 25 % of its amount. For a woman who stayed at home to raise her children, If she validated at least one quarter during her entire career, with the increase in quarters to which children entitled, She will be able to obtain a basic retirement and an Agirc-Arrco additional retirement. Even if she never worked, She may be able to obtain a pension thanks to the old-age insurance of parents at home. This device makes it possible to validate quarters thanks to contributions set by the Family Allowance Fund.
Part -time activity
Part -time activity does not prevent having a full -rate retirement. A woman who has worked part-time will see her retirement penalized if she has contributed throughout her career on the basis of a small salary, but a part-time activity does not prevent you from having a full pension, without reduction, if enough quarters have been validated. Retirement will not be penalized if the woman has worked full time for at least twenty-five years, because the basic pension will then be calculated over the best 25 years. However, part-time periods will have an impact on the Agirc-Arrco supplementary pension., because she will have acquired fewer points.
THE QUARTER INCREASE
To note : the quarterly increase, Given until 2010 to women until 2010, has seen its award methods modified under non-discrimination based on sex. For children born from 2010, Parents can choose to share the four quarters of education or to assign them to only one of them. The increase for three children, as for her, is served as well for the mother as for the father.
The measures to be taken to improve the retirement rights of women
The life annuity
Be careful not necessarily to favor the life annuity, Because it does not provide enough resources at the start of retirement, When distant travels are still possible, And too much at the end, when health problems force a more sedentary lifestyle…
Know your rights to survivor’s pension
The conditions and amount of the survivor's pension vary according to the schemes. for example, for employees, if madame remarries, she will no longer receive her first husband's survivor's pension on the additional part. While a remarriage will have no impact for artisans and traders on this same complementary. Options exist among certain liberal professions to increase your spouse's survivor's pension, this is the case of CATEC. The couple will have every interest in finding out before, Because the treatment of the survivor's pension will be very different according to the affiliation regime of the deceased spouse.
Subscribe death insurance
This is particularly relevant when the husband is older and remarries with a younger woman. If she is only 45 years old when her husband's death, She will have no right to anything, since, let's remember, The wife must be at least 55 years old to be entitled to the survivor's pension.
Acquire specific rights within compulsory plans
The repurchase of quarters (said "Fillon buyout") is interesting if the woman fulfills certain conditions. It is possible to buy a maximum of 12 quarters, for years of study or incomplete years. This redemption is fully deductible from taxable income., but is not taken into account in retirement for long careers. According to the diets, this repurchase makes it possible to increase the rate, the duration of insurance or the number of points.
Only marriage gives right to survivor's pension
Cohabitation and civil partnerships do not give rise to a survivor's pension. The situation of divorced people must be studied closely, because the protection of the second partner is often poorly assured. Commonly, a man who has bad memories of his first divorce, because he has, among others, lost a lot financially, will not wish to remarry with his second partner, who can be younger than him. But not remarry, He will put it in difficulty, Especially if they have still dependent children, Because she will have no survivor's pension. She is the first "official" wife who will receive the whole.
Ensure status for his collaborating spouse
The purpose of this status is to protect women who often tend to work voluntarily for their business manager. From now on, Companies have the obligation to give them a status. They have the choice between three : associate spouse, employee or collaborator spouse. Having a status allows them to benefit from a personal right to old age insurance, to disability-decency and temporary incapacity for work (daily allowances) If it is planned for the manager. To complete the guarantees that women benefit, They will be able to activate business retirement savings plans, But will also be able to subscribe to an individual PER with a financial institution or an insurance organization, with capital outing choices, or in rent, etc.
Colossal financial issues
The evolution of the regulations on survivor's pension must be followed closely, Because to date some believe that the survivor's pension must become a right related to the insurance effort, While others are convinced that it must be subject to means conditions. You should be particularly vigilant, By taking as an example the recent attempt to establish a universal regime, supposed to be favorable to women, While in reality, If the project had resulted, He would have significantly modified their rights (It was planned to postpone the age of departure in reversion seven years old, From 55 to 62 years old, And it was also planned to lower children's increases). Retirement in France represents 320 billion euros, including 18 billion family rights and 36 billion reversion pensions. The French will enter a complicated period in terms of retirement. It is therefore essential that women endeavor to acquire own rights as soon as possible.
