The health crisis prompts the French to think about their retirement



“What will the crisis change when I retire? “ This question, 71% of workers aged 50 to 62 asked themselves. This is one of the lessons of a survey commissioned by Retirement Insurance and Agirc-Arrco, the compulsory supplementary pension scheme for employees in the private sector.

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Unsurprisingly, the sixth edition of the Retirement Rendezvous, an event organized for a week across the country aimed at educating “senior” working people, is colored by the concerns that the unprecedented health context has given rise to.

A third of working seniors have already thought about retirement

41% of these “senior” workers were involved in teleworking: 23% during confinement only, 14% during and after confinement only 4% after. The rate rises to 55% for workers in Île-de-France, it is only 28% in Brittany. Another disparity: 76% of executives practiced telework, against only 4% of manual workers. The survey also notes that 29% of working people have been affected by a period of technical or partial unemployment, and more than a quarter by a reduction in remuneration.

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Half of those surveyed recognize that the context of the crisis encourages them to review their relationship to retirement: among craftspeople, shopkeepers and business leaders, categories that have suffered more from the crisis, the proportion rises to 62%. Overall, a third of these working people who are more or less close to retirement have already started to think about it.

“My retirement, how much? “

Two subjects appear to be preponderant: first there is the amount of the future pension. It is a matter of concern for 86% of the working population, and even 94% of artisans, traders, business leaders. It is only 64% among blue-collar workers. The second subject is the number of years left to work before being able to retire: a question for 82% of working people, and even 85% of employees.

For workers at more or less ten years of retirement age, the context leads them to wonder. However, their questions remain in line with those we are usually asked. », Summarizes François-Xavier Selleret, director of Agirc-Arrco. Indeed, with 71% of working people wondering about the potential impact of the health crisis on their future retirement, the subject comes at the same level as the interest of working people for accessibility at the end of their career depending on their situation. : early retirement, gradual retirement, long career system, etc.

The appetite for personalized advice

It is indeed the economic reasons that encourage retirement: the estimation of sufficient purchasing power to afford it, reaching the full rate, the possibility of reaching the maximum amount of retirement are among the first decision criteria put forward by senior workers. However, deterioration in health is also one of the first reasons given for retiring. Having a retired spouse or no longer having dependent children are only reasons given by 13 and 8% of the working people questioned, respectively.

77% of those questioned put forward the need for personalized advice: knowing what they will be entitled to, being supported on end-of-career adjustments, or on the various documents to be gathered to assert their retirement rights … The survey noted by elsewhere than women, sometimes faced with a less linear career path, are more interested in personalized advice on work extension schemes (bonus, bonuses or combined employment and retirement) than men (74% against 66%).

While a large proportion of future retirees are aware of the existence of online tools helping to calculate the amount of their future retirement, only one in two have used this kind of calculator. And even fewer have ever joined an online retirement advisor.

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