Que valent les engagements des régimes de retraite envers les retraités en France ?

Using the "Echantillon Inter régimes des Retraités" (EIR) 2008 and 2012 panel data, we calculate retirees\u27 pension wealth (consumed and residual) at an aggregated level, and provide in-depth results by type of pension scheme and by managing organism. We put an emphasis on direct pensions already perceived by retirees and to be paid in the future, without taking into account current contributors\u27 future retirement. We find that the overall pension wealth is not very sensitive to the discount rate, but this result does not hold if we concentrate on the future pension wealth. From this point of view, it must be noted that some of the organisms have a high proportion of pension still to be paid. Moreover, whatever the type of pension wealth calculated, the results show a rapid increase from 2008 to 2012 (except for the basic scheme of farmers). Finally, spread indicators and Gini index of pension wealth are relatively higher than those found in the distribution of labor income by other studies. We find that there are more inequalities in the private sector than in the public, particularly in the private sector for complementary pension schemes

La réforme des retraites de 1993 : quel impact sur l'équivalent patrimonial des droits à retraite ?

Depuis 1993, la France a enregistré plusieurs réformes de son système de retraites, visant avant tout à en assurer la soutenabilité. Cette contribution a pour objectif d’évaluer l’impact de la réforme de 1993 sur l’équivalent patrimonial des droits individuels à la retraite (EPDR), c\u27est-à-dire la somme actuarielle probable des pensions à recevoir, de la date de liquidation des droits jusqu’au décès. Plus précisément, nous mesurons l’impact de cette réforme sur l’EPDR des mono-pensionnés du régime général, à l’aide des données de l’Echantillon Interrégimes de Retraités 2008. Parmi les mesures phares de la réforme de 1993 figure l’augmentation progressive de la durée de cotisation nécessaire pour obtenir une retraite à taux plein au régime général. Cette augmentation est susceptible d’engendrer deux effets opposés : un effet de report de l’âge de liquidation pour conserver un EPDR adéquat pour ses vieux jours (voire l’augmenter) ou un effet de décote, si l’assuré-e ne souhaite, ou ne peut, pas prolonger son activité et subit donc une décote sur sa pension, et partant sur son EPDR. Pour tester les effets nets de la réforme de 1993 sur l’EPDR, nous procédons à des estimations économétriques en différences premières et en doubles différences, ainsi qu’à des estimations par quantiles pour mesurer les impacts le long de la distribution de l’EPDR. Nos estimations montrent des résultats différents selon que les individus partent avant ou après 2004, date d’entrée en vigueur de la réforme. Ainsi, toutes choses égales par ailleurs, un départ en retraite avant 2004 plutôt que postérieurement, augmente l’EPDR des retraités concernés. Toutefois, l’interaction avec les autres variables nuance cette conclusion. D’une part, reporter son départ en retraite réduit l’EPDR moyen d’environ 20% : le report permet d’accumuler des droits supplémentaires, mais sur une période réduite. D’autre part, l’effet de la décote est négatif, mais son intensité est réduite quand les retraités reportent leur départ. En outre, comme les générations 1934-1943 ont subi conjointement les réformes de 1993 et 2003, nos estimations en double différence permettent d’isoler l’effet « pur » de la réforme de 1993 : lorsque les affiliés ont subi une décote, sans avoir reporté leur départ en retraite pour l’atténuer, la liquidation des droits aux conditions de 2003 par rapport aux conditions de 1993 est la plus défavorable. Enfin, les estimations par quantiles montrent que ces effets s’intensifient dans la première moitié de la distribution, et s’atténuent au-delà

Pension Wealth in France: An Assessment on Panel Data

This contribution proposes a measure of pension wealth in the French public PAYG schemes (first and second pillar schemes) and of its distribution among the population of retirees in 2008 using the Echantillon Inter régimes de Retraités (EIR) panel data. We show that aggregate pension wealth amounts to around 4765 billion Euros assuming a 2 percent discount rate. There are significant differences in the amount of individual’s pension wealth between the pension schemes of the private and public sector. Moreover, there is more inequality in the distribution of pension wealth among private sector retirees than public sectorones

Gridmapping the northern plains of Mars: Geomorphological, Radar and Water-Equivalent Hydrogen results from Arcadia Plantia

A project of mapping ice-related landforms was undertaken to understand the role of sub-surface ice in the northern plains. This work is the first continuous regional mapping from CTX (“ConTeXt Camera”, 6 m/pixel; Malin et al., 2007) imagery in Arcadia Planitia along a strip 300 km across stretching from 30°N to 80°N centred on the 170° West line of longitude. The distribution and morphotypes of these landforms were used to understand the permafrost cryolithology. The mantled and textured signatures occur almost ubiquitously between 35° N and 78° N and have a positive spatial correlation with inferred ice stability based on thermal modelling, neutron spectroscopy and radar data. The degradational features into the LDM (Latitude Dependent Mantle) include pits, scallops and 100 m polygons and provide supporting evidence for sub-surface ice and volatile loss between 35-70° N in Arcadia with the mantle between 70-78° N appearing much more intact. Pitted terrain appears to be much more pervasive in Arcadia than in Acidalia and Utopia suggesting that the Arcadia study area had more wide-spread near-surface sub-surface ice, and thus was more susceptible to pitting, or that the ice was less well-buried by sediments. Correlations with ice stability models suggest that lack of pits north of 65-70° N could indicate a relatively young age (~1Ma), however this could also be explained through regional variations in degradation rates. The deposition of the LDM is consistent with an airfall hypothesis however there appears to be substantial evidence for fluvial processes in southern Arcadia with older, underlying processes being equally dominant with the LDM and degradation thereof in shaping the landscape

Equivalent Patrimonial des Droits à Retraite en France : Méthodologie et Mesure dans l'EIR

L’équivalent patrimonial des droits à retraite (directs ou dérivés) permet d’évaluer la soutenabilité et la générosité des régimes de retraite. A l’aide des données de l’Echantillon Inter-régimes des Retraités de 2008, nous proposons une mesure de cet indicateur pour les assurés à la retraite du système de retraite français. L’objectif de cet article est de discuter des choix méthodologiques retenus à chaque étape de calcul de l’équivalent patrimonial et de souligner les contraintes et les limites spécifiques à un tel exercice. Les résultats obtenus révèlent que les différences entre les régimes de retraite peuvent générer des engagements d’une ampleur variable envers les assurés à la retraite. L’analyse de la concentration montre que la distribution de l’équivalent patrimonial des droits directs est plus inégale entre les assurés aux régimes complémentaires qu’entre les assurés des régimes de base ou intégrés (régime général, SRE-civile par exemple). Les inégalités au sein des régimes et entre les générations dans la distribution de l’équivalent patrimonial tendent globalement à diminuer au fil des générations étudiées

Pregnancy termination for fetal abnormality: are health professionals’ perceptions of women’s coping congruent with women’s accounts?

Background: Pregnancy termination for fetal abnormality (TFA) may have profound psychological consequences for those involved. Evidence suggests that women’s experience of care influences their psychological adjustment to TFA and that they greatly value compassionate healthcare. Caring for women in these circumstances presents challenges for health professionals, which may relate to their understanding of women’s experience. This qualitative study examined health professionals’ perceptions of women’s coping with TFA and assessed to what extent these perceptions are congruent with women’s accounts. Methods: Fifteen semi-structured interviews were carried out with health professionals in three hospitals in England. Data were analysed using thematic analysis and compared with women’s accounts of their own coping processes to identify similarities and differences. Results: Health professionals’ perceptions of women’s coping processes were congruent with women’s accounts in identifying the roles of support, acceptance, problem-solving, avoidance, another pregnancy and meaning attribution as key coping strategies. Health professionals regarded coping with TFA as a unique grieving process and were cognisant of women’s idiosyncrasies in coping. They also considered their role as information providers as essential in helping women cope with TFA. The findings also indicate that health professionals lacked insight into women’s long-term coping processes and the potential for positive growth following TFA, which is consistent with a lack of aftercare following TFA reported by women. Conclusions: Health professionals’ perceptions of women’s coping with TFA closely matched women’s accounts, suggesting a high level of understanding. However, the lack of insight into women’s long-term coping processes has important clinical implications, as research suggests that coping with TFA is a long-term process and that the provision of aftercare is beneficial to women. Together, these findings call for further research into the most appropriate ways to support women post-TFA, with a view to developing a psychological intervention to better support women in the future

Event Timing in Associative Learning: From Biochemical Reaction Dynamics to Behavioural Observations

Associative learning relies on event timing. Fruit flies for example, once trained with an odour that precedes electric shock, subsequently avoid this odour (punishment learning); if, on the other hand the odour follows the shock during training, it is approached later on (relief learning). During training, an odour-induced Ca++ signal and a shock-induced dopaminergic signal converge in the Kenyon cells, synergistically activating a Ca++-calmodulin-sensitive adenylate cyclase, which likely leads to the synaptic plasticity underlying the conditioned avoidance of the odour. In Aplysia, the effect of serotonin on the corresponding adenylate cyclase is bi-directionally modulated by Ca++, depending on the relative timing of the two inputs. Using a computational approach, we quantitatively explore this biochemical property of the adenylate cyclase and show that it can generate the effect of event timing on associative learning. We overcome the shortage of behavioural data in Aplysia and biochemical data in Drosophila by combining findings from both systems

Sub-kilometre (intra-crater) mounds in Utopia Planitia, Mars: character, occurrence and possible formation hypotheses

At the middle latitudes of Utopia Planitia (∼35–45°N; ∼65–101°E) hundreds of small-sized mounds located in sub-kilometre impact craters dot the landscape. Their shape varies from circular to crescentic and their height ranges from ∼10 to 50 m. Often, metre to decametre pitting is observed, as is metres-thick banding or stratification. Mound albedo is relatively high, i.e. ∼0.16. The plain’s terrain in the region, previously linked to the latitude-dependent mantle (LDM) of ice–dust, displays pitting and albedo similar to the small intra-crater mounds. Some workers have suggested that the mounds and the plain’s terrain share a common ice–dust origin. If so, then scrutinising the mounds could provide analogical insight on the key geological characteristics and spatial distribution of the LDM itself. Other workers have hypothesised that the mounds are eroded sedimentary landforms or periglacial mounds underlain by a perennial ice-core (closed-system pingos). In this article we develop and then discuss each of the three mound-hypotheses in a much more substantial manner than has been done hitherto. Towards this end we use high-resolution images, present a detailed regional-map of mound distribution and establish a regional platform of topographical analysis using MOLA data superposed on a large-scale CTX mosaic. Although the ice–dust hypothesis is consistent with some observations and measurements, we find that a (loess-based) sedimentary hypothesis shows greater plausibility. Of the three hypotheses evaluated, the pingo or periglacial one is the weakest

Appréhension et vécu d’une grossesse obtenue après un don d’ovocyte anonyme

International audienc