スペインの専門家は、年金制度が破綻しないように来年の2014年から年金制度改革を実行に移すことを要求
INFORME ENCARGADO POR EL GOBIERNO SOBRE LA REFORMA
Los expertos se decantan por iniciar el ajuste de pensiones el año próximo
El texto propone adelantar en 18 años la entrada en vigor del llamado ‘factor de sostenibilidad’.
Se apuesta por ligar la prestación a la esperanza de vida
Manuel V. Gómez Madrid 25 MAY 2013 - 22:15 CET
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Fuente: Ministerio de Empleo y Seguridad Social. / EL PAÍS
MANAGER REPORT ON GOVERNMENT REFORM
Experts opt for pension adjustment start next year
The text proposes to advance in 18 years the entry into force of the so-called 'sustainability factor'.
It aims for providing link to life expectancy
Manuel V. Gomez Madrid 25 MAY 2013 - 22:15 CET
Experts opt for pension adjustment start next year
The text proposes to advance in 18 years the entry into force of the so-called 'sustainability factor'.
It aims for providing link to life expectancy
Manuel V. Gomez Madrid 25 MAY 2013 - 22:15 CET
Experts have Daisy leafless great pension reform: the definition of the sustainability factor. And opt for immediate application as next year, 18 years ahead of schedule by the 2011 reform. The study report Monday in its last meeting dozen scholars appointed by the Government to advise postulates a two-way adjustment: one, that affects the present and future pensioners, links the annual update of benefits to changing income and expenses of the system, and ends with the current direct relationship between this update and the price index, another, and for future retirees, league calculating their pensions to life expectancy.
After a month of work, most of the group is very likely that on Monday there are two or three dissenting opinions, opting for an immediate implementation of the sustainability factor. However, the text written by the group's president, Victor Perez-Diaz, 29 pages, dated 24 May, which has had access to this journal, opens the door to other two scenarios: progressive implementation between 2014 and 2019 and application in 2019. But the panel's position is clear. "The Committee is in favor of an early application," says the text "still provisional" because, as explained in another section, "should apply as soon as possible."
The route raised downs opens the door to future pension
This document not final, something that can be seen in the multiple warnings and suggestions of the text-experts are in line with the demands of Brussels, which require that the sustainability factor comes into force before 2032 and believe that the reform of pensions of 2011, though well aimed, is insufficient. What do the experts is to recommend an advance of the arrival of the statutory retirement age (now expected in 2027) and at some point has asked the European Commission. But establishing important adjustment mechanisms and cost containment, which will likely result in lower pensions in the future.
How reform affects you?
■ already retired. The draft document proposes ending the link between pensions and IPC. Since the 90s, it ensures that pensions do not lose purchasing power. Only in 2011 and 2012 has breached this provision. Now that the performance is studied evolve according to a formula based on the progress of revenue and expenditure. In economic times like the present will result in loss of purchasing power.
■ will retire soon. The reference age will continue between 65 and 67 depending on the time quoted. However, it is proposed that the initial amount of the pension is linked to life expectancy at retirement. The formula offered pursues the total amount receivable by a pensioner in 2014 is the same as another to be removed years later, with equal contributions. That translates to a parallel reduction of the pension. The annual update will be similar to those already retired.
■ There is still much to retire. The formula for calculating the pension will be the same as in the previous case. For annual update, experts do not propose any caution if the result of the formula involves pension falls. It follows that do contemplate that possibility for future pensions.
One of the goals of the sustainability factor, repeatedly says the document is "balanced budget system." To achieve this, he proposed ending the direct link now maintain pensions to the CPI. Herein lies one important novelty on further pension reforms: affects the already retired. In substitution, is committed to increasing pensions every year "in terms of a ratio between income and expenses". To smooth annual fluctuations and that this does not cause large swings, experts suggest that you take the income and expenses of 11 years (the last five, the current and forecast five later).
Despite this prevention may be the fact that the strict application of the formula involving pension nominal declines (a monthly benefit of $ 1,000 had to be reduced, for example, 990) and not just loss of purchasing power. At this point, the report discriminates between present and future pensioners. For the first recommended a ban this possibility and to maintain "face value". For the latter, the difference between "those who are close to retirement", which "fits apply similar reasoning" to current pensioners, and "those who are relatively far from retirement," of which he says nothing. It can be inferred, therefore, that opens the door to pension cuts in the future.
The other cost containment mechanism, although in the longer term, is the commitment to link pension with life expectancy at retirement. Here the panel proposes no changes to parameters as the years needed to qualify for a contributory pension (15 years), the calculation period (16 years this year) or the legal age of retirement. The bet here is that whoever is removed, for example, in 2014 now has to charge during his retirement the same as those retiring in 2019 with the same contribution bases.
The implication here is simple: knowing that, as a general rule, whenever you live longer (life expectancy tends to increase each year by about 50 days), the normal is that the average initial pension of retirees in the future is lower. And so admits the report. To compensate, the text proposes that voluntary incentive delay retirement.
The annual update will be linked to the income and expenditure of the system
This double adjustment will result in a reduction of pensions in the medium term. The experts themselves admit in their report when calculated, based on a scenario of average annual growth between 1.5% and 2.75% in the coming years, which for a current pensioner is collecting 1,000 today charged a Once you discount the CPI, between 939 and 949 euros, in 2020. More are optimistic about future retirees, believing that will remain between 998 and 1,008 euros.
The chapter to which only experts devote space is to increase revenue. Do not rule out the possibility. They admit that they can raise contributions or provide pension system with other sources of financing. However, they who reject that application of the sustainability factor becomes an automatic increase of contributions. "Companies would be hampered by additional uncertainty" ditch.
After a month of work, most of the group is very likely that on Monday there are two or three dissenting opinions, opting for an immediate implementation of the sustainability factor. However, the text written by the group's president, Victor Perez-Diaz, 29 pages, dated 24 May, which has had access to this journal, opens the door to other two scenarios: progressive implementation between 2014 and 2019 and application in 2019. But the panel's position is clear. "The Committee is in favor of an early application," says the text "still provisional" because, as explained in another section, "should apply as soon as possible."
The route raised downs opens the door to future pension
This document not final, something that can be seen in the multiple warnings and suggestions of the text-experts are in line with the demands of Brussels, which require that the sustainability factor comes into force before 2032 and believe that the reform of pensions of 2011, though well aimed, is insufficient. What do the experts is to recommend an advance of the arrival of the statutory retirement age (now expected in 2027) and at some point has asked the European Commission. But establishing important adjustment mechanisms and cost containment, which will likely result in lower pensions in the future.
How reform affects you?
■ already retired. The draft document proposes ending the link between pensions and IPC. Since the 90s, it ensures that pensions do not lose purchasing power. Only in 2011 and 2012 has breached this provision. Now that the performance is studied evolve according to a formula based on the progress of revenue and expenditure. In economic times like the present will result in loss of purchasing power.
■ will retire soon. The reference age will continue between 65 and 67 depending on the time quoted. However, it is proposed that the initial amount of the pension is linked to life expectancy at retirement. The formula offered pursues the total amount receivable by a pensioner in 2014 is the same as another to be removed years later, with equal contributions. That translates to a parallel reduction of the pension. The annual update will be similar to those already retired.
■ There is still much to retire. The formula for calculating the pension will be the same as in the previous case. For annual update, experts do not propose any caution if the result of the formula involves pension falls. It follows that do contemplate that possibility for future pensions.
One of the goals of the sustainability factor, repeatedly says the document is "balanced budget system." To achieve this, he proposed ending the direct link now maintain pensions to the CPI. Herein lies one important novelty on further pension reforms: affects the already retired. In substitution, is committed to increasing pensions every year "in terms of a ratio between income and expenses". To smooth annual fluctuations and that this does not cause large swings, experts suggest that you take the income and expenses of 11 years (the last five, the current and forecast five later).
Despite this prevention may be the fact that the strict application of the formula involving pension nominal declines (a monthly benefit of $ 1,000 had to be reduced, for example, 990) and not just loss of purchasing power. At this point, the report discriminates between present and future pensioners. For the first recommended a ban this possibility and to maintain "face value". For the latter, the difference between "those who are close to retirement", which "fits apply similar reasoning" to current pensioners, and "those who are relatively far from retirement," of which he says nothing. It can be inferred, therefore, that opens the door to pension cuts in the future.
The other cost containment mechanism, although in the longer term, is the commitment to link pension with life expectancy at retirement. Here the panel proposes no changes to parameters as the years needed to qualify for a contributory pension (15 years), the calculation period (16 years this year) or the legal age of retirement. The bet here is that whoever is removed, for example, in 2014 now has to charge during his retirement the same as those retiring in 2019 with the same contribution bases.
The implication here is simple: knowing that, as a general rule, whenever you live longer (life expectancy tends to increase each year by about 50 days), the normal is that the average initial pension of retirees in the future is lower. And so admits the report. To compensate, the text proposes that voluntary incentive delay retirement.
The annual update will be linked to the income and expenditure of the system
This double adjustment will result in a reduction of pensions in the medium term. The experts themselves admit in their report when calculated, based on a scenario of average annual growth between 1.5% and 2.75% in the coming years, which for a current pensioner is collecting 1,000 today charged a Once you discount the CPI, between 939 and 949 euros, in 2020. More are optimistic about future retirees, believing that will remain between 998 and 1,008 euros.
The chapter to which only experts devote space is to increase revenue. Do not rule out the possibility. They admit that they can raise contributions or provide pension system with other sources of financing. However, they who reject that application of the sustainability factor becomes an automatic increase of contributions. "Companies would be hampered by additional uncertainty" ditch.
政府改革ONマネージャレポート
専門家は、来年開始の年金調整を選ぶ
テキストは、18年後にはいわゆる'持続可能性係数'の発効を進めることを提案している。
これは、平均寿命へのリンクを提供するために目指しています
マヌエルV.ゴメスマドリード25 MAY 2013 - 22時15分CET
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