Dans un environnement où les droits existent en théorie mais où leur exercice réel se heurte à des obstacles incessants, seules demeurent réellement efficaces :
la ténacité, la connaissance même minimale du droit, la conservation méthodique de chaque preuve, et une résistance psychologique à toute épreuve.

Votre récit résonne profondément avec ma propre situation, car je fais moi-même face, encore aujourd’hui, à un enchaînement de démarches et de procédures où l’inertie administrative, les renvois, les erreurs non corrigées et l’absence de contrôle réel continuent d’avoir des conséquences humaines, financières et familiales très lourdes.

Comme vous, je constate qu’il faut se battre pour faire reconnaître des évidences, que la procédure se substitue trop souvent à la justice, et que seule une vigilance constante permet d’éviter les injustices les plus manifestes.

Votre expérience montre que ces difficultés ne sont pas des cas isolés, mais les symptômes d’un dysfonctionnement systémique.
Merci d’avoir partagé ce récit : il éclaire et renforce le combat de tous ceux qui, comme moi, doivent affronter cette machinerie administrative pour simplement faire valoir leurs droits.

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J’aime bien votre post, merci

Parce que c’est une source de revenus parmi d’autres qui sert à maintenir le système. Il faut bien trouver l’argent quelque part, non ?

Le problème est complètement vérolé par le régime de répartition des retraites en lui-même. L’idée au départ était peut-être de se débarrasser de « ses vieux » à domicile, ce qui n’était pas forcément une demande de la population mais d’un Etat qui l’a proposé et cela a été accepté de ladite population, sans projection de viabilité économique qu’un modèle économétrique abreuvé d’intrants pertinents pouvait évidemment prévoir.

Dans mon village d’autrefois, en France je précise, tout se passait à domicile. Vous remarquerez que dans beaucoup de cultures autres que la nôtre cela fonctionne encore ainsi, ce qui était notre cœur de temps oubliés.

Je ne suis pas dans la tête de nos chers disparus mais notre époque se dirige véritablement vers une fin de partie programmée, encore plus économique. Est-ce un problème ? Après tout chacun d’entre nous sommes là par hasard, se rend compte de la rose qui s’épanouit puis qui finit par se flétrir au mieux, sauf à être cueillie avant.

C’est un peu bizarre ce post mais cela n’a pas d’importance car nous ne sommes que de passage.

Bonjour,
Vous raisonnez en valeur actuarielle théorique.
Je raisonne en capital réellement nécessaire pour garantir 3 000 € mensuels indexés pendant 20 ans sans risque.

Pour sécuriser une telle rente, il faut environ un million d’euros immobilisés ou financés.

La question n’est donc pas la durée viagère, mais l’équivalence économique entre un flux garanti par l’État et un capital privé produisant le même revenu.
Merci pour votre participation.

Il me semble que votre analyse économique est incomplete, non ?

Vous illustrez correctement la capitalisation d’un flux, mais confondez rente viagère et rente perpétuelle.

Une retraite limitée à l’espérance de vie a une valeur actualisée bien plus faible que les 1,2 million d’euros avancés : autour de 650 000 € avec une espérance de vie de 25 ans apres 64 ans.

Votre argument est intéressant mais surestime la richesse implicite économiquement.