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Pension d’un salarié du secteur privé et transitions vers un système universel de retraite par points : étude d’impact sur des profils-types de carrière complète sous plafond

Abstract : The introduction of a universal point-based system modifies the link between labour income and pension benefits. In this paper, we show that for private-sector workers with full careers whose earnings fall below the social security contribution ceiling, the new system effects a redistribution in favour of the lowest-wage trajectories; immediate conversion of pension rights acquired under the previous system into points is also more advantageous for low-wage trajectories than under the multiple calculation rules of earlier schemes; careers with low-contribution years can be expected to incur significant declines in benefits; and for low-wage careers, subsequent increases in the minimum pension may in some cases lead to a higher perceived effective pension.
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https://hal-normandie-univ.archives-ouvertes.fr/hal-03500168
Contributor : Frédéric Gannon Connect in order to contact the contributor
Submitted on : Tuesday, December 21, 2021 - 9:00:28 PM
Last modification on : Monday, May 9, 2022 - 3:54:07 PM

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Frédéric Gannon, Gilles Le Garrec, Gautier Lenfant, Vincent Touze. Pension d’un salarié du secteur privé et transitions vers un système universel de retraite par points : étude d’impact sur des profils-types de carrière complète sous plafond. Economie et Prévision, Minefi - Direction de la prévision, 2021, 1 (218), pp.1-22. ⟨10.3917/ecop1.218.0006⟩. ⟨hal-03500168⟩

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