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Organisation of the system, Gabriel Attal

Special pension schemes, points-based system: Universal system with three schemes, contribution period instead of legal age

Direction of change: decrease, compared with current law.

The lever. Architecture of the system: special pension schemes, merger of schemes, universal points-based or notional-account scheme. Direction rule: ↑ schemes more separate; ↓: more unified.

Words reported by Site de campagne, débats à Blois et Bourges: Il propose un système universel reposant sur les mêmes règles pour tous et organisé autour de trois régimes : fonctionnaires, salariés et indépendants. Dans ce nouveau système, l’âge légal de départ serait supprimé au profit d’une durée de cotisation décidée par les partenaires sociaux, avec une règle impérative : garantir l’équilibre financier du système.1

Translation by the editorsHe proposes a universal system based on the same rules for all and organised around three schemes: civil servants, employees and the self-employed. In this new system, the legal retirement age would be abolished in favour of a contribution period decided by the social partners, with one binding rule: guaranteeing the financial balance of the system.

Words of Gabriel Attal reported by Site de campagne, débats à Blois et Bourges, 5 October 2026. Position taken from public statements, not from a written programme.

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Lever with no coefficient in the cost schedule: the position is compared, not costed.

Current law, sources and limits of the cost schedule

Current law. Since 1 September 2023 (Act of 14 April 2023, Art. 1), new recruits at the RATP, the IEG, the Banque de France, the CESE, and notaries' clerks and employees are affiliated to the general scheme: these special pension schemes are being phased out. Existing members remain in them. Other special pension schemes remain (SNCF closed since 2020, seafarers, mines, State workers…). The State contributes just under €8bn to balancing 17 special pension schemes and paid €45bn in 2023 to its civil servants' scheme. Agirc-Arrco already works on a points basis, but there is no universal points-based system (2019-2020 project abandoned).

Horizon. Very long-term effects, virtually nil in 2032 on a static basis.

Limits. Closing a scheme to new entrants yields almost nothing for decades. Montaigne 2022 costed the abolition of the special pension schemes at €5.3bn « à très long terme » [“in the very long term”] (2017 euros), with no effect in 2027. A points-based system is neutral by design: its cost depends on the parameters (value of the point, pivot age, solidarity provisions). It is classified as a rule change, costed only if the parameters are given. Moving civil servants into the general scheme raises the question of the accounting convention for the State scheme (« subvention d'équilibre », balancing subsidy), with no change to the general government balance.

  • Sénat, L'essentiel PLFRSS 2023, article 1er, 2023-03-13: « L’article 1er propose la mise en extinction des principaux régimes spéciaux de retraites […] les personnes recrutées à partir du 1er septembre 2023 par les entreprises et institutions concernées seraient affiliées au régime général. À l’inverse, les personnes déjà affiliées à ces régimes spéciaux y seraient maintenues. »
  • Cour des comptes, Situation financière et perspectives du système de retraites, 2025-02-20: « il participe à l’équilibre financier de 17 régimes spéciaux pour un peu moins de 8 Md€. D’autre part, il finance le régime de ses fonctionnaires civils et militaires au moyen d’une contribution de 45 Md€ en 2023. »
  • Institut Montaigne 2022, fiche Macron 65 ans (archive), 2022-04: « La suppression des régimes spéciaux permettra de générer, à très long terme, de l’ordre de 5,3 Md€ d’économies supplémentaires (en € de 2017). Ces 5,3 Md€ ne sont donc pas pris en compte dans ce chiffrage. »

How to read these amounts. These are static costs and revenues, with no feedback effect, over a full year: nothing on growth, employment or the revenue that economic activity would gain or lose. A higher net cost does not on its own make a worse policy, nor net savings a better one: each programme rests on an economic model (demand-led stimulus, lower compulsory levies, consolidation of the public accounts…) that the cost schedule does not settle. GDP itself measures a volume of activity, not well-being or the usefulness of what is produced. Economic models and feedback effects.

This lever in the method · Costing for Gabriel Attal

  1. Site de campagne, débats à Blois et Bourges, 5 October 2026. Words of Gabriel Attal reported by this outlet: the text quoted is the article’s, not their exact words. Position taken from public statements, not from a written programme. Read the source (Site de campagne, débats à Blois et Bourges).

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