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Les choix de l'âge de la retraite. Aspects incitatifs des règles du régime général et effets de la réforme de 1993

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  • Louis-Paul Pelé
  • Pierre Ralle

Abstract

[eng] Retirement Age Choices. Incentives under the General Social Security Scheme Rules and Effects . of the 1993 reform by Louis-Paul Pelé and Pierre Ralle . This paper studies private-sector employees' retirement age choices in the absence of constraints. We start with a brief description of the general social security scheme and the supplementary schemes. We then propose a theoretical modeUng, which shows that it is in employees' best interests not to collect their pensions until it has reached the "full rate". Given this assumption, we study how the generation of individuals bom in 1960 would be affected by the 1993 reform. Relatively few employees would put back their retirement age. The drop in pension, affecting all employees, would depend to a great extent on the length of working Ufe. [fre] Les choix de l'âge de la retraite. Aspects incitatifs des règles du régime général et effets . de la réforme de 1993 par Louis-Paul Pelé et Pierre Ralle . On s'intéresse au choix de l'âge de la retraite parles salariés du secteur privé, en l'absence de contraintes. On présente tout d'abord quelques éléments descriptifs sur le régime général et sur les régimes complémentaires. Puis on propose une modélisation théorique qui montre qu'un salarié a intérêt à ne pas liquider sa pension avant d'avoir obtenu le "taux plein". Sous cette hypothèse, on étudie comment une génération particulière (celle des personnes nées en 1960) serait affectée par la réforme de 1993. Le nombre de salariés reculant l'âge de leur retraite serait relativement peu élevé ; la diminution de la pension, qui concerne tous les salariés, dépendrait fortement de la durée d'activité.

Suggested Citation

  • Louis-Paul Pelé & Pierre Ralle, 1999. "Les choix de l'âge de la retraite. Aspects incitatifs des règles du régime général et effets de la réforme de 1993," Économie et Prévision, Programme National Persée, vol. 138(2), pages 163-177.
  • Handle: RePEc:prs:ecoprv:ecop_0249-4744_1999_num_138_2_5965
    Note: DOI:10.3406/ecop.1999.5965
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    References listed on IDEAS

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    1. Stock, James H & Wise, David A, 1990. "Pensions, the Option Value of Work, and Retirement," Econometrica, Econometric Society, vol. 58(5), pages 1151-1180, September.
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