The pension conclave: recommendations from artificial intelligence

The debate over pension reform in France remains at the heart of political and social discussions. Despite months of consultation and renewed attempts to reach a consensus, social partners remain divided. As François Bayrou strives to find a favorable outcome, the use of artificial intelligence could offer innovative avenues. Faced with an urgent financing need estimated at between 0.5 and 0.8% of GDP by 2030, AI is proposing technical and political solutions to improve the 2023 reform. These include measures to reinstate hardship criteria, simplify the long-term career system, and improve the employment rate of older workers. As François Bayrou attempts to bring social partners together to reach an agreement on pension reform, discussions remain complex and divided. Faced with this impasse, artificial intelligence has proposed several solutions to address the technical and political aspects of the reform while ensuring the necessary funding. This article explores in detail the recommendations of artificial intelligence to improve the pension system, while taking into account the financial challenges estimated at between 0.5 and 0.8% of GDP by 2030.Increasing Senior Employment One of the main levers identified by artificial intelligence to solve the pension financing problem is to increase the employment rate of seniors. Currently, this rate is around 38.9% for the 60-64 age group, compared to around 50% in the Nordic countries. Even a small increase in this rate could generate billions of additional euros each year through contributions. To this end, several initiatives are proposed, such as targeted training and hiring incentive bonuses. , and end-of-career arrangements.Remove residual special diets Artificial intelligence recommendssimplify the current system by removing residual special regimes. Their removal has always been a thorny issue for successive governments, although the latest reform has already eliminated four of these schemes. However, more measures are needed to achieve greater equity and sustainability of the system.Reinstate and lower the hardship criteria

Faced with the removal of arduousness criteria in 2017, artificial intelligence recommends reinstating them, including specific criteria such as carrying heavy loads. She also suggests

lower the thresholds

allowing access to these criteria to better protect workers exposed to difficult conditions.Promote gradual retirementThere gradual retirementis recommended as an effective tool for managing retirements. This involves proposing more flexible rules for people close to the legal age, who have not accumulated all of their necessary quarters. This could be done by making it easier to buy back quarters or by offering the possibility of working part-time instead of going full-time.

Simplify the long career system

Artificial intelligence highlights the need to simplify the “long career” system , in order to correct arbitrary situations where certain people must wait 44 years of contributions despite starting their career early. More consistent and equitable adjustments are essential to ensure the system is accessible to those who need it.

Optimize financing through tax adjustment

The tax adjustment is approached as another solution to improve the financing of the retirement system. This could include removing someTax loopholes, such as exemptions on dividends or large inheritances, and the partial reallocation of existing revenues, such as the CSG (social security contribution) or VAT, to pension plans. Improving the fight against fraud

Finally, artificial intelligence highlights the need to improve the fight against fraud, which could generate several hundred million euros per year. This optimization requires enhanced prevention to avoid early exits from the labor market.

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