Toward the privatization of the SS (Médiapart of 11/29/2010) by Ma Hurand, Monday, November 29, 2010
France is on the verge of a very serious reform, one of the heaviest since the Liberation: small steps, without saying, Nicolas Sarkozy is preparing a creeping privatization of Social Security. C'est à la faveur du dossier de la dépendance, présenté comme le grand chantier présidentiel de l'année 2011, que les premiers coups de boutoir seront donnés contre ce système clef de l'Etat providence que les Français perçoivent à juste titre comme leur first and most important social achievements, the pivotal role of our social model.
Nothing is said publicly. In all its official statements, Nicolas Sarkozy swears of his commitment to Social Security, which since its founding in 1945, based on the system of distribution, that is to say about a system of collective solidarity, turning back to the system of individual private insurance.
For decades, the powerful lobby of private insurers dream of tearing down the system. And for the first time a government of François Fillon, is preparing to comply with its requests.
The first to sound the charge was Claude Bebear, the founder of the insurance group Axa, which since 1996 had directed the government of Alain Juppe to move towards "private social security" by issuing a recommendation that this system works the "first honest." "In other words, to kill Social Security", commented at the time the Express.
Then there was a second attack, Denis Kessler (former number two bosses, former president of the French federation of insurance companies and current president of SCOR, a giant reinsurance) which, in a loud statement to the magazine Challenges, October 4 2007 had estimated that the economic policies of Nicolas Sarkozy was less messy as one would think: "The successive announcements of the various reforms by the government may give an impression of patchwork, as they seem varied, all of equal importance, and varying scope: status of the civil service, special retirement plans, Social Security reform, equal representation ... If we look more closely, we find that there is a profound unity in this ambitious program. The list of reforms? It''s simple, take everything that has been established between 1944 and 1952, without exception. It's here. It is now out of 1945, and methodically rid the program of the National Council of Resistance! "
And finally, there was a third assault, the more recent one, May 9, 2010, that of Alain Minc, who suggested, with the arrogance that he knows (see video below cons) that the elderly were too expensive to the community and the need to find new sources of funding. Output that has shocked many in the country, and that has not well understood at the time she was prescient.
But before going further, let us pause a moment on the release of Denis Kessler, partisan call into question the CNR program. Because everything is here! One measure of this famous flagship program (you can read it here), released at the time in the south of France under the title The Happy Days, is to establish "a comprehensive social security to assure all citizens of livelihood in any case they are unable to get it by working with management representatives belonging to interested parties and the state. " And for that commitment as soon as October 4, 1945 an order is made section 1 of which is: "There is established an organization of social security designed to ensure workers and their families against the risks of any kind can reduce or eliminate their earning capacity, to cover the costs of maternity and family responsibilities they bear. "
Pressing the fall of 2007 Nicolas Sarkozy to turn our backs on this legacy, Denis Kessler has certainly been a little too quickly in case, because in the following months, the head of state has not fulfilled his wish . But the leader of the lobby of private insurers did wrong on the calendar. For it is indeed in the sense that the government will now move forward. And this is the difficult issue of addiction that will him provide the pretext. Decrypt because the statements of recent days.
The first to have say on the subject is Nicolas Sarkozy. It was he, during his recent television interview, November 16, which stated that the issue of dependency would be the major project of 2011. And apparently, he spoke in terms that do not warrant any concern. Indicating that government reform would be introduced in the bill funding the Social Security debate in the fall of 2011 in Parliament and would be preceded by a major consultation spanning six months, he has apparently been faithful this tradition embodied by Social Security.
Recalling that in 2040, the population over age 60 will have grown by 30% or 50%, the president spoke of the need to reach a "fair system" for a older person where "it is on the territory can live with dignity at home or in a house (...) We will settle the issue of dependency (...) and respond to the anguish of people".
What wrong with that?
France is on the verge of a very serious reform, one of the heaviest since the Liberation: small steps, without saying, Nicolas Sarkozy is preparing a creeping privatization of Social Security. It is in the favor of the record of addiction, presented as the major project of the presidential year 2011 as the first battering against this system will be given key of the welfare state that the French see as rightfully their first and most important social achievements, the pivotal role of our social model.
Nothing is said publicly. In all its official statements, Nicolas Sarkozy swears of his commitment to Social Security, which since its founding in 1945, based on the system of distribution, that is to say, on a collective and united with his back to the system of individual private insurance. For decades, the powerful lobby of private insurers dream of tearing down the system. And for the first time a government of François Fillon, is preparing to comply with its requests.
The first to sound the charge was Claude Bebear, founder of the insurance group Axa, which since 1996 had directed the government of Alain Juppe to move towards "private social security" by issuing the recommendation this system to work the "first honest." "In other words, to kill Social Security", commented at the time the Express.
Then there was a second attack, Denis Kessler (former number two bosses, former president of the French federation of insurance companies and current president of SCOR, a giant reinsurance) which, in a loud statement to the magazine Challenges, October 4, 2007, had estimated that the economic policies of Nicolas Sarkozy was less messy as one would think: "The successive announcements of the various reforms by the government may give an impression of patchwork, as they seem varied of unequal size, variety and scope: status of the civil service, special retirement plans, Social Security reform, equal representation ... If we look more closely, we find that there is a profound unity in this ambitious program. The list of reforms? It''s simple, take everything that has been established between 1944 and 1952, without exception. It's here. He is now out of 1945, and methodically rid the program of the National Council of Resistance! "
And finally, there was a third assault, the more recent one, May 9, 2010, that of Alain Minc, who suggested, with the morgue that he knows (see video below cons), the elderly were too expensive to the community and the need to find new sources of funding. Output that has shocked many in the country, and that has not well understood at the time she was prescient.
But before going further, let us pause a moment on the release of Denis Kessler, an advocate of questioning the CNR program. Because everything is here! One measure of this famous flagship program, broadcast at the time in the south of France under the title The Happy Days, is to establish "a comprehensive security plan social, to assure all citizens of livelihood in any case they are unable to get it by working with management belonging to the representatives of stakeholders and the state. " And for that commitment as soon as October 4, 1945 an order is made section 1 of which is: "There is established an organization of social security designed to ensure workers and their families against the risks of any nature can reduce or eliminate their earning capacity, to cover the costs of maternity and family responsibilities they bear. "
pressing Fall 2007 Nicolas Sarkozy to turn our backs on this legacy, Denis Kessler has certainly been a little too quickly in case, because in the following months, the head of state has not fulfilled his wish. But the leader of the lobby of private insurers did wrong on the calendar. For it is indeed in the sense that the government will now move forward. And this is the difficult issue of dependency that it will provide the pretext. Decrypt because the statements of recent days.
The first to have say on the subject is Nicolas Sarkozy. It was he, during his recent television interview, November 16, which indicated that the record dependence would be the major project of 2011. And apparently, he spoke in terms that do not warrant any concern. Indicating that government reform would be introduced in the bill funding the Social Security debate in the fall of 2011 in Parliament and would be preceded by a major consultation spanning six months, he has apparently been faithful this tradition embodied by Social Security.
Recalling that in 2040, the population over age 60 will have grown by 30% or 50%, the president spoke of the need to reach a "fair system and fair "for an older person where" it is in the area can live in dignity at home or in a house (...) We will settle the issue of addiction (...) and respond to the anguish of people ". What wrong with that?
A generous welfare for the rich to the poor reduced
Stressing that "there is 250,000 people per year more victims of Alzheimer's in France, he said his ambition was to resolve the" question of place the elderly in society, "the question of the dignity of the elderly, a population whose age increases, and children who are destitute "against the dependence of their aging parents.
better than that! The Head of State also made this clarification, which may seem the ultimate lifting concerns: that reform should lead to creation this fall of "a new risk, a new branch of social security, dependency alongside the four existing branches that are illness, family, retirement and work accidents. Clearly, the purpose suggested that this new venture which will explode in future years will not be the pretext for circumventing the Social Security. "I want to create for the first time since the release of a new venture, a new branch of social security: The Fifth Risk", said Nicolas Sarkozy.
Only here! After those assurances, the head of state has also slipped, as if nothing had happened, other remarks that have made little noise. This has been cleverly said, in the form of questions. But it still deserves attention. "Should we make insurance system? Forcing people to make sure? Should we increase the CSG? Must have recourse to the estate when the children were unwilling or can not afford? "The
factly, amongst other tracks, Nicolas Sarkozy raises the question:" Should we make insurance system? "Clearly, he must get out of Social Security to cover this risk by private insurers? The head of state did not answer his own questions, he just suggested that all avenues were open.
But in fact we will soon see that these questions are at the heart of presidential language elements, so to say, that the Executive has developed to prepare minds to a creeping privatization of Social Security.
Listen Indeed, that said, a few days later, on November 24, Francois Fillon, when the National Assembly to decide its policy statement (which can be read here in its entirety): "With the employment, safeguard and modernization of our social welfare system imposed on us. We started with the pension reform. With Xavier Bertrand and Roselyne Bachelot, we will continue. We must not drift accounts of health insurance by demagoguery. We can not shirk our responsibility on this issue collectively. We will launch a national dialogue on social protection that will involve all actors, social partners, health professionals, mutual insurance companies, local authorities, foremost of these councils. "
And he adds:" This national goal will obviously immediately to address the issue of addiction. The cost is estimated at 22 billion euros and is expected to reach 30 billion within the next few years. The number of people over age 75 will double over the next decades. It will first determine the real needs of people, to consider how to maintain homes of the elderly as long as possible. It will then classify the track financing: compulsory or voluntary, collective or individual? "
must therefore weigh every word again. For asking questions similar to those of the Head of State - "compulsory or voluntary, collective or individual?" - François Fillon breaks a taboo: preparing, too, the spirits that Social Security is more natural shield that protects the French a major risk with its usual sources of funding (social security contributions or CSG), and that private insurers can get their hands on this attractive and huge market. Clearly, forward to a system of social protection at two speeds, with an extensive welfare system open to the wealthy who have the means to secure and a system for the poorest governed by solidarity, but not covering more all the risks!
other words, the old rich are protected, but not the poor old man!
Advocacy of the UMP for the lobby of private insurance
In this communication plan is finally the Minister of Solidarity, Roselyne Bachelot, who in an interview with Le Figaro, November 26, sounded the last charge dated cons of Social Security: "Legislation must be passed in autumn 2011 under the draft law on financing of Social Security in 2012. But we are not starting from scratch! Several reports, including the last, Valérie Rosso-Debord, raise issues and solutions that can be considered. Moreover, the dependency is already 22 billion euros, of which 5 billion funded departments and 17 billion by the state mainly through Social Security. The debate will also refine future needs, which are currently estimated at 30 billion euros. "
Question of Figaro," What do you think of the possible establishment of a private insurance? "The minister's response:" I do not even speak. The coming debate will also be a discussion of awareness for our citizens. The French will talk about what they consider to be the best solution. What could be the share of insurance in relation to solidarity? How to organize their articulation? "Again, therefore, even subliminal message, that of the transgression: do not exclude anything, especially not the use of private insurance ...
The message is also not even subliminal, it is explicit. For Roselyne Bachelot said that a report raises "issues and solutions that may be considered "one member of the UMP-Valérie Rosso Debord. However, this report has been submitted to the National Assembly last June in the framework of a reflection on addiction, to decode the project head of state and government, because everything is said with far fewer words carefully. This report is this:
The interest of this report is the first that presents challenges of this new venture that appears, that of dependence, given demographic trends, longer continuous life expectancy and thus the aging of the population, and the extension of certain diseases such as Alzheimer's.
A three French will be over 60 years in 2050, against nearly one in five today, and over 15% of the population will be aged over 75 years. "The number of people aged sixty or over is projected to increase by nearly 50% from today, the largest increase occurring in the 2030s. Consequently, nearly one in three would have more than sixty years against nearly one in five in 2010 and one in four in 2020, "the report said.
If we accept today the award criteria of the custom Help autonomy, which was founded in 2000 by Lionel Jospin, who is currently one of the available public assistance to dependent elderly, the number of beneficiaries would increase from about 700,000 in 2002 to 1,600,000 in 2040 . Clearly, the number of dependent elderly people should experience an average increase of 1% per year until 2040. Hence, all expenses included, the assessment of the cost of term dependence advanced by Roselyne Bachelot: 30 billion euros!
But beyond this, the report of the UMP member retains the attention mostly for tracks that sulphurous advance. First, the report argues (page 64) that "we are not at all in the context of the creation of our welfare system." And in support of this assertion, the report calls for the rescue, not Denis Kessler, but the late President of the Court of Auditors, Philippe Seguin, who had once pleaded in the same direction, arguing that "a side, we face an explosion of spending, on the other, globalization makes the burden of social mortgage for the competitiveness of our country. "
The report therefore makes a passionate plea in favor of the action (here we go !)... to insurance private.
It's like a running fire, which continues page after page.
"In fact, the number of French who have made long term care insurance increases every year and now represents nearly five million people have joined through a mutual or pension fund (three million persons) or insurance companies (two million), placing our country in second place in industrialized countries, "reads as follows (page 86).
This remark is followed by a footnote on page that says: "The French federation of insurance companies were 2,007,600 insured paying 387.6 million euros in contributions (under a contract for which the dependence is the main security) and paid 112.4 million euros in cash in 2008. In 2009, 2,024,200 insured paying 403.1 million euros in contributions, while 127.7 million euros in cash were served. "
Working in tandem brothers
Sarkozy And all this leads to (page 87), what is the heart of the report, which could be entitled "Down the Safely! Long live the lobby of the private insurance! ..
We read indeed that "Insurance companies, now having twenty years of experience in risk management dependence, feel they have sufficiently defined the statistical risk - 15% will become addicted to a generation reaching the age of 65 and 60% of a generation up to 90 years - to offer contracts providing monthly pensions averaging 1,000 euros per month for monthly contributions amounting to 30 euros for a sixty-year and 21 euros a person for forty years. The mission proposes to make compulsory from fifty years subscription to a personal insurance against loss of autonomy to the institution of their choice labeled: insurance, company pension or insurance company. "
At least things are said bluntly. This suggests that in fact, as in the case of pension reform, the choices are already made, even before a pseudo dialogue begins. And the report says (page 88): "The mutual provident societies and insurance companies should provide phased support for all people affected by a loss of independence whatever the duration of their insurance within the base for the guaranteed minimum level of dependency that is theirs. To this end, the mission proposes that these institutions provide and manage a fund financed by a percentage levied on each assessment, they will define the amount in common. "
In summary, the report examines two main proposals:" Make it compulsory from the age of fifty years, the purchase of an insurance loss of autonomy due to age and ensure its universality progressive pooling of contributions and the creation of a guarantee fund. Maintain a transitional care service. "
So indeed a creeping privatization of Social Security in the making. And privatization, unlike what one might think, not only about this new risk of addiction. Like a virus, the transfer to private insurance may spread throughout the system: that is what was understood by private insurers, who are preparing for a real "big bang" of Social Security. This virus and how privatization could it spread from the fifth to the four previous risk? Impossible, you will think, the Elysee can certainly play into the hands of insurers for addiction, but no one is going to take the risk of dynamiting the whole Social Security.
Well yes! The danger is there: the dependence may be the Trojan horse of insurers to enter the system of social security coverage, hitherto vested in Social Security.
Brothers Sarkozy
To understand the hocus-pocus, just peel the proposed joint venture entered into by the National Provident Fund (NOC, a company indirectly controlled by the state) and the financial group Malakoff Mederic, which specializes in the supplementary pension and whose boss is a ... Guillaume Sarkozy, the brother of head of state (see our investigations Pension Reform: Round brothers Sarkozy, Retirement: the joint venture brothers Sarkozy against the PAYG), the Bank of France has just block temporarily (see our article Retirement: The Bank of France blocks the joint venture brothers Sarkozy).
If this project is dangerous is because it rests on the assumption that the pension division, those of Social Security, will be used over the years to retirees pensions increasingly weak and that private insurers will offer a highly profitable.
The end of "Happy Days"
In this document, it is indeed well explained that the replacement rate (the amount of the pension as a percentage of what the salary) will increasingly decline " By 2020, the report Steering Committee (COR), a lower replacement rate of around 8% is expected for a full career. This decline is however variable depending on the level of salary and career profile and depends heavily on assumptions made in the work of the NRC. "And the conspirators would rub their hands in advance:" An additional 40 billion annual savings 110 billion euros in 2020 would be required to maintain the living standards of future retirees. "
But if you read this document, it says more than that ... Not only private insurers will be able to get their hands on the risk of retirement, but in fact they play cleverly, they will also be able to become major players in the entire system of social protection, providing individual insurance or roofing systems business, which in fact cover all risks: that of the supplementary pension but also dependence.
Somehow, insurers and private groups supplementary pension have understood, Guillaume Sarkozy on first, they will be able to offer the same token, under individual contracts or business contracts, "packages "Private insurance covering addiction as well as the supplementary pension. It is very well detailed in this project NOC-Médéric particularly pages 9, 13, 21 and 25.
The delisting of drugs the government is accelerating since 2007 at the same time allow themselves to insurers to include in their "package" offers which will also cover the risk of illness, less well covered by Social Security.
The hypocrisy of Nicolas Sarkozy is complete, since a group-owned, CNP, concluded with the blessing of an agreement with Elysium ... his brother, Guillaume Sarkozy, to preempt the market now attractive retirement and dependency. Somehow, it's a matter of Family: Nicolas Sarkozy will open to private insurers the risks previously insured by Social Security, and his brother, with the backing of the NPC and therefore the state, which will be one of the best-placed to pick up the . This is confirmed on the website of Malakoff Médéric: Guillaume Sarkozy put on big addiction.
many associations, which included a tour of monte getting ready, so have recently said their outrage. You can find here on this website, a selection of their responses, which express a common anger. Like the Association of paralyzed France, all these associations say their radical opposition an "insurance system that excludes the public the most fragile." But
left everyone there understands the tremendous challenges of the reform is happening, which goes far beyond the single issue of addiction? To read the same report on this mission dependency, one can expect, as in the appendix, we find the comments of various members of this mission. Including observations of the socialist deputy in the Charente, Martine Pinville, who commenting on the proposal to introduce a compulsory insurance system, made the warning (page 111):
"I think the question of financing support dependence must be understood as falling within the scope of social protection and thus of national solidarity. In this regard, during our discussions in the mission, we had considered, in common, some time, creating a foundation of national solidarity, supplemented by an insurance scheme. However, the final solution is not to create a device of insurance. It may lead to lack of insurance from some people. How can we then take charge of their situation? I think it is necessary to consider that. "
Clearly, the member does not exclude a socialist system mixed with a base covered by Social Security, "complemented by an insurance." But perhaps she commits herself. It is in any case wish.
For it is indeed a very serious reform that is emerging: the dynamiting of the central pivot of the French social model. Somehow the end of "Happy Days" ...
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