As the presidential election approaches, Department of Social Protection (IPS) leaned up proposals from the various candidates in terms of social protection. The goal? Examine whether there is a reasoned debate between the candidates on the main reforms of social protection, or whether the important themes have been forgotten.
To conduct this study, the think tank specializing in social protection identifies six main themes in which the candidates’ main proposals are evaluated:
- The addiction;
- Social protection of the self-employed.
The results are ” most instructive “: IPS Declares Presidential Campaign” evades some of the problems in our social protection system Focus on this analysis.
Insufficient proposals for survivors’ pension
With regard to retirement, IPS considers it necessary to extend the retirement age by at least 2 years and to maintain the purchasing power of pensions, and recognizes that these measures are rather taken into account by most applicants.
On the other hand, the think tank regrets that women’s retirement is not a priority issue in the current presidential election campaign. Only two initiatives emerge among the candidates worthy of speaking on the subject:
- The resumption of the tax half for widows and widowers;
- The increase in reversal of the floor plan.
Thereby ” the most important paths to a modernization of return – of which women are the greatest benefits – are totally forgotten ”:
- The opening for PACS pairs with return access;
- Liberalization of the division of the rights of the insured in favor of the surviving spouse;
- Harmonization of situations between the various schemes in terms of resource conditions.
Care and hospital: IPS suggests areas for improvement
IPS has a mixed opinion on this topic.
The health crisis has highlighted the old dysfunctions in our hospital system. In this regard, measures are proposed by the candidates to increase the funds of the hospital. But the latter, for IPS, ” address the symptoms more than the actual causes of the problems Thus, certain significant measures that would make it possible to reform the hospital in depth do not appear in the programs, including:
- Return to 39 hours with a strong pay rise for staff who accept it;
- To challenge the precautionary principle, which leads to many perverse effects, associated with a desire for permanent overprotection;
- Promote good practice to no longer reimburse unnecessary medical acts, which are estimated to represent 30% of all acts.
In addition, the majority of candidates propose measures to improve the health of the French people by addressing the issue at source. IPS notes, however, that supplementary health insurance (funds, pension funds, insurance companies), which has so far shown much greater responsiveness than the state in terms of health prevention efforts, is excluded from the proposals.
Progress in addiction
IPS notes that the candidates are rightly aware of the need to implement a serious addiction management policy. The many proposals on this subject in the programs testify to this. Above all, a majority of the candidates put forward proposals for support for relatives, which is a ” real progress for the think tank.
IPS regrets, however, that there are no financial measures that can seriously fund the risk of addiction.
Pensions: non-executive staff, forever forgotten
IPS believes that eliminating discrimination between directors and non-directors in matters of pensions would be a good omen. Non-executive employees are actually less compensated in the event of a work stoppage or death: their benefits are, on average, between two and three times worse than managers. This essential issue is completely absent in the debate between the candidates.
The financing of social protection, a topic that is not much discussed
IPS notes that the candidates are unlikely to address the issue of financing social protection, whereas the latter should be modernized: ” our social debt continues to rise and the imbalance in social accounts is becoming increasingly structural “. This question is”. one of the major absentees from the presidential debate “.
Furthermore, IPS believes that the link between insurance and solidarity taxes should be revised so that the financing system for social security is easy to understand for everyone. However, the problem is not even mentioned by one of the candidates. IPS proposes to reorganize the system according to the following principles:
- Compensation income (maintenance and pension): absolute agreement between the basis for calculating benefits and the basis for contributions;
- Solidarity income for pension and maintenance insurance: tax or tax-like taxes;
- General rights (family and health): fiscal or tax-like taxes.
Initiatives to be planned for the self-employed
The analysis concludes with the topic self-employed. For IPS, discrimination against the self-employed exists because the latter, in the event of a work stoppage, are treated worse than employees. If the self-employed have the opportunity to sign Madelin contracts to protect themselves in the event of a work stoppage, and that they in this connection benefit from tax deductions from their paid contributions, the Institute assesses that it is not. not consistent that Madelin contributions are not deductible in the basis for calculating social security contributions, while the amount of unemployment benefits is reintegrated in the basis for calculating social security contributions. Unreasonably, this situation should be reviewed, but no candidate has raised the issue.
In addition, IPS notes two major issues that are still unresolved with regard to social protection for the self-employed:
- The freedom to choose the social status of the leaders of SAS (simplified public limited company);
- The difference in the treatment of dividends to the detriment of the leaders of LLCs.
IPS regrets that the candidates did not take a stand on these important issues for entrepreneurs.