Gender inequalities in retirement is a vast topic as the gaps result from a combination of multiple factors.
First of all, the wage gap, a major societal issue, directly impacts retirement pensions. According to the UN, women earn 24% less than men on average worldwide, which directly affects their retirement.
QualiRetraite, led by Angélique Perroux, works specifically on this aspect. Accurately calculating retirees' rights can sometimes be challenging due to disparities in each individual's professional life.
Career interruptions, much more frequent among women, as they are the ones who spend the most time raising children, contribute to these discrepancies. These breaks reduce social security contributions and the retirement rights accumulated, leading to lower pensions. Moreover, women are more likely to reduce their working hours and work part-time, further decreasing their contributions and affecting their retirement income.
While the increased longevity of women may seem positive, it also implies greater financial retirement needs. Retirement systems based on individual contributions can exacerbate these inequalities, especially if women have less stable and lower-paid careers.
If you wish to deepen your knowledge on this topic: https://www.airzen.fr/le-coaching-senior-pour-faciliter-le-passage-de-salarie-a-retraite/
