スペイン政府の年金改革の専門家による審議会は、年金の削減を承認
Los expertos aprueban el informe sobre pensiones con un único voto en contra
El 'comité de sabios' propone dos fórmulas que se traducen en menores prestaciones
El documento ha recibido el respaldo de la mayoría de los 12 'sabios' y tres votos particulares
El Gobierno elude pronunciarse con el argumento de que no ha recibido el texto
Planes privados para evitar que la pensión pierda frente al salario
El Gobierno se plantea retrasar la aplicación del recorte para pactarlo
Un ejemplo práctico: ¿Cuánto bajará mi pensión?
Manuel V. Gómez Madrid 7 JUN 2013 - 15:46 CET
Experts approve the report on pensions with a single vote against
The 'committee of experts' proposed two formulas that result in lower benefits
The document has been endorsed by most of the 12 'wise' and three individual
The government avoids ruling on the grounds that he has not received the text
Private plans to prevent loss against salary pension
The Government proposes to delay the implementation of the clipping for pactarlo
A practical example: How will lower my pension?
Manuel V. Gomez Madrid 7 JUN 2013 - 15:46 CET
The board of experts which the government has commissioned a report to reform the pension system has been approved by a large majority. The report, a draft of which has been published today by El Pais, legally enshrines something that has happened in the last two years: that pensions lose purchasing power in times of crisis, even that they are almost frozen for a long period if the economy goes wrong for a long time, as now. Translation: that in bad times are lower pensions.
The experts' report, which has been adopted by 10 of the 12 members of the three individual Groupand is now delivered to the Executive. These are individual opinions Miguel Angel Garcia, head of the research bureau of CCOO, who nevertheless voted in favor of the text. Also, Santos Ruesga, Professor of Applied Economics and a proposal entered the PSOE, which has rejected. The latter is of José Luis Tortuero, Professor of Social Security and proposed by the PSOE, which has chosen to abstain.
When you receive the report, the Government will refer the Toledo Pact, the committee which negotiated pension reforms and open talks with unions and employers that Rajoy has promised. The final reform and the time of its entry into force - "the committee is in favor of an application as early as possible and prudent, within the period 2014-2019" - has to be ready in September, has committed the executive with the European Commission.
On this point, the vice president, Soraya Saenz de Santamaria has postponed an official response from the Government on the proposals of the experts until they receive the paper. "We have no report yet and I can not confirm if it will be forwarded on today or Monday," said Santamaria. "At the moment, you can only thank the committee work," he added before ensuring that the Government attaches great importance to the Toledo Pact agreements.
Regardless of the content of the text, from the entourage of President nuance that the Government is already working on ways to try to incorporate the trade unions and the PSOE in a compact complex but not impossible, reports Carlos É. Cue.
More than a month that a dozen scholars to which the Government commissioned the sustainability factor design work began. His conclusion passes start saving a dual mechanism for Social Security: firstly, decoupling pensions march of prices and linking it to the health of the public school accounts, and on the other, establishing the initial board recently retired stay chained to life expectancy at the time of retiring. So figure in the "draft, pending final adjustments", 43 pages, dated June 4 which was approved Friday.
The sustainability factor is an adjustment mechanism and cost containment in the public pension system that was contemplated in the last reform, which was passed in 2011 and came into force this year, which provides for the gradual increase of the retirement age to 67 years in 2027. To define this factor, which already operates in several European countries in various forms, the Government appointed a group of 12 experts last April has been working throughout the month of May in its design.
A pension reform and future
The main novelty of the reform looming, as proposed by the draft has had access to this journal, is that pensioners will affect both future and, above all, to the present. If the proposal goes ahead in terms filed so far, this will mean that for the first time a reform of this type applies to those who are already retired at the time of its entry into force. Keep in mind that the annual update is the element that contributes most to the annual increase in pensions bill (an average of 2,000 million annually since the eighties, taking into account inflation).
The proposal does not advise further delaying the retirement age beyond 67 years and anticipate its arrival before 2027, nor modify or accelerate changes in the period of the pension already provided. Instead, it proposes a new formula for updating each year. It would have a key role revenues and expenses of the system, both in the current year as several anterior and posterior, according to forecasts.
The result of this formula in situations like this can result in cuts even on the board and not just freezing. For that not to happen, the draft advises "clause fixing a floor to prevent the escape of the pensions of those already retired when applying the factor." Yes it leaves open the door for that to happen with those who retire in the future. Although the formula carefully studied and read the draft mechanism is left in the hands of the government of the day to prevent this from happening: to bring more revenue into the system through taxes and not just quotes. Of course this, in times of financial constraints and a budget stability law as the force is not at all easy if that money is not removed from other items.
To be thus the final reform proposal, this would greatly complicate the scenario update annual pensions. The report itself includes when advised that "for reasons of justice and prudence the annual adjustment factor should be applied to current and future pensioners degrees and under different forms." And considering all that is done in the context of a transitional period of gradual delay the retirement age to 67 years by 2027 and increase the period of calculation of pensions up to 25 years in 2022.
Officials
Do not forget the wise committee of officials and recommended that in this case the update is linked annual pension of this group to the proposed formula. "Consideration should be given to apply the sustainability factor designed in this report to such pension [referring to public employees]".
At this point and in this version there touches on the earlier draft, ahead by El Pais. It proposed that if in good times the application of the formula would result significant pension increases, establish a limit on the consumer price index. This time has gone this limit. This opens up the possibility that in the years of growth can offset the sacrifice of the crisis.
The sustainability factor proposed by the committee contemplates setting a second mechanism: the first linking retiree pension to life expectancy at retirement. This results in a reduction of future pensions draft's own admission, "implies a downward adjustment in the calculation of the initial pension, although in quantities of 5% every 10 years."
If not undergo substantial modifications in these two points during the political and social negotiations, Spain would become the first European country with a double automatic adjustment mechanism and cost containment in the pension system, one of the initial pension, based on a demographic item, and another on the annual update, seated in economic conditions.
Changes beyond the pension
Although not strictly falling within their proposals, the committee also notes that there may be other changes in the system as switching to "consider the contributions of working life." In fact, says that this mechanism "does not replace the need for further internal reforms of the system itself to improve efficiency and equity".
Aware of the unpopularity of the proposal, but the goal is the "sustainability of the public pension system," reads the draft defensive tone. "The sustainability factor is not synonymous with cut", defends the draft. And he argues: "In the medium and long term, the average pension will represent a smaller percentage of the average wage, however, the real average pension increase." It is true that the average pension can grow for other reasons, but in any case be less than if did not apply the new formulas.
It also addresses potential criticism of technocratic model designed by outsiders to the votes of citizens who will probably receive the proposal. "Although the sustainability factor imposes a number of restrictions to be met annually to ensure a balanced budget, does not prevent the performance of the political and social pact" he says. "It replaces the popular sovereignty and erodes or even qualifies," he continues. And then goes on to justify why you leave room for maneuver in formulas (years to take into account correction parameters, clauses buffer or time of entry into force). The ball is in the Government's court.
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