Type: Stockshots [long]   Reference: I-023799   Duration: 00:58:19  Lieu:
End production: 03/04/1998
On the occasion of a study of the directive on "Complementary Pensions in the Single Market", these video stockshots illustrate the principal pension systems in the Union. The subject is particularly pertinent given the tendecies which lead to a situation where on one hand there is a reduction in the population of working age and on the other an increase in the number of elderly people. The role of the elderly will therefore play an increasingly important role in the future.

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00:00:33 1.FRANCE The French pension system is essentially characterised by a two stage structure comprising of a base cover and a obligatory complementary cover. The private sector are ARRCO for all employees and AGIRC for management. The replacement level assured by the current regulations is relatively high today and this situation leaves no place for voluntary regulations which play a very small role. 00:08:49
00:00:33 2.1. NATIONAL PENSION SYSTEMS 00:00:00
00:00:33 "Caisse nationale d'Assurance-Vieillesse (CNAV): As the national institute for pension administration in France, the CNAV is in the middle of restructuring after the pension reforms in 1993. A series of new services has been put into place to bring members even closer together, as their numbers are increasing every year. This kind of agency helps, for example, future pensioners to reconstruct their careers in order to be ready, when the moment comes, to ask for their pensions" 00:00:00
00:00:33 "Exterior of the CNAV, wide angle shot of sign ""La Rétraite"" (2 shots)" 00:00:21
00:00:55 People leaving the CNAV (4 shots) 00:00:47
00:01:42 Queue (3 shots) 00:00:24
00:02:06 Waiting room (3 shots) 00:00:18
00:02:24 Wide angle shot of the queue 00:00:10
00:02:34 "CNAV ""Agence sur rendez-vous"" " 00:00:00
00:02:34 Wide angle shot of the exterior 00:00:06
00:02:41 Arrival of a woman and request for information on pensions 00:00:17
00:02:58 Meeting (6 shots) 00:01:27
00:04:25 "Interview, in French, with Jean-Luc Cazette, President of the CNAV, on the administration with equal representation between employers and employees of French pensions" 00:00:51
00:05:16 "Interview with Patrick Hermange, General Director of the CNAV, on the basic principle of the distribution system" 00:00:53
00:06:09 "Jean-Luc Cazette, President of the CNAV, speaking in French, on the possibility of creating pension funds in France and on the employment associated risks." 00:00:58
00:07:07 "CICAS : Service for Overseas Residents. The ""Centre d'Information et de Coordination de l'Action sociale des Régimes de Rétraites"" (CICAS), within the ARRCO organisation, created in 1991 a specialised centre to centralise information for salaried workers who are resident outside France. This service's mission is to establish relations with organisations looking after salaried workers no longer resident in France, and to help foreign workers in France with pension issues. " 00:00:00
00:07:07 Exterior of the CICAS (3 shots) 00:00:15
00:07:23 Employees telephone conversation with a Spanish pensioner (4 shots) 00:01:22
00:08:45 Pension publicity signs (4 shots) 00:00:37
00:09:22 3."UNITED KINGDOM In the United Kingdom, the divide between rich and poor was established in the 1980's. The inequality did not only increase between the working population and the retired, but also within the retired sector itself. In 1993 the net revenue for half of all pensioners was ECU 105 per week. The freezing of pension values that has been imposed since 1980, has made the basic pension fall from 22.6% of average revenue in November 1980, to 17,4% in April 1996. Taking into account the indexation of pensions fixed at 2% per year, the foreseen diminution will reach 10,8% in 2020 and 7,3% in 2040. However, 60% of the active population pay into occupational pension schemes." 00:08:54
00:09:22 London: Ambience in a Soho market 00:00:00
00:09:22 "Wide angle shot of a market in Soho, London" 00:00:04
00:09:27 Retirement aged people (8 shots) 00:00:59
00:10:26 National Pensioners Convention : pensioners meeting on the problems with the public pension 00:00:00
00:10:26 Wide angle shot of the meeting 00:00:05
00:10:32 "Joe Harris, Co-ordinator of the National Association of Pensioners, on the necessity for the British pensioners to defend the public pension" 00:00:44
00:11:16 A participant speaking on the priorities of pensioners 00:00:34
00:11:50 Cutaway 00:00:04
00:11:54 A participant speaking on the dangers for the elderly pensioners to keep the rights they have acquired. 00:00:45
00:12:39 Cutaway (6 shots) 00:00:42
00:13:21 "Help the Aged : ""Senior Line"" ""Help the Aged"" is a British charity uniquely financed by donations. It has created a special service called ""Senior Line"" to keep the elderly informed on all aspects of social life, current laws, procedure to follow to obtain a state pension, medical assistance, useful addresses etc" 00:00:00
00:13:21 "Exterior of ""Help the Aged""" 00:00:16
00:13:38 Agency hall 00:00:16
00:13:54 "Entrance with sign ""Help the Aged""" 00:00:07
00:14:01 "Senior Line sign, telephonist " 00:00:16
00:14:17 Wide angle shot of the «Senior Line» 00:00:07
00:14:24 Telephonists giving information (5 shots) 00:00:57
00:15:21 Transport Council : Conference organised by different British pensioners organisations on the facilities that should be offered to the elderly on public transport 00:00:00
00:15:21 "Transport House (Trade Union) : Interview with Jack Jones, President of the National Pensioners Association and member of the Trade Union Congress" 00:00:00
00:15:21 Wide angle shot of the conference room 00:00:00
00:15:21 Exterior of Transport House 00:00:09
00:15:31 Girl presenting the meeting schedule 00:00:32
00:16:03 Close up of a screen 00:00:06
00:16:09 Conference participants (5 shots) 00:00:49
00:16:58 Jack Jones on the real problems of British pensioners 00:00:53
00:17:51 On pension funds and on the risks linked to investment 00:00:25
00:18:16 4.BELGIUM (Louvain) 00:05:24
00:18:16 "Pensioners Association ""Christelijk Ziekendfonds Leuven"": Seminar on social life; gymnastics session; holiday offers." 00:00:00
00:18:16 Exteriors (3 shots) 00:00:22
00:18:39 Course for retired people (3 shots) 00:00:20
00:18:59 Practical courses with gymnastics exercises (5 shots) 00:00:37
00:19:36 Wide angle shot on a social rights course 00:00:11
00:19:47 People having a discussion (5 shots) 00:00:30
00:20:17 Holiday preparation : retired people studying holiday brochures (6 shots) 00:00:35
00:20:52 "Retirement home ""Dijle-hof"": pensioners daily activities" 00:00:00
00:20:52 Exterior (2 shots) 00:00:08
00:21:01 Wide angle shot of the interior 00:00:10
00:21:11 Women making little bags (2 shots) 00:00:17
00:21:28 Cutaway 00:00:05
00:21:33 Wide angle shot of the dining room 00:00:06
00:21:39 Birthday party for one of the guests (2 shots) 00:00:21
00:22:00 Man serving himself soup (2 shots) 00:00:11
00:22:11 Pensioners eating ( 5 shots) 00:00:40
00:22:51 Pensioner entering his apartment at the retirement home 00:00:07
00:22:58 Interior of an apartment with pensioner reading a book (3 shots) 00:00:42
00:23:40 5."THE NETHERLANDS The Netherlands is the country which has best harmonised a basic national pension system for everybody, (employed or not - even the Queen of the Netherlands receives it) with a complementary scheme to which both employers and employees contribute, which represents 80% of the active population The Dutch pensions funds are the richest in the Union when compared to their GNP (see graphic 5). Even the Civil Servants possess their own pension fund" 00:05:43
00:23:40 6.2. OCCUPATIONAL PENSIONS 00:00:00
00:23:40 Amsterdam : Town ambience 00:00:00
00:23:40 Wide angle shot of a canal 00:00:05
00:23:46 Elderly woman crossing the canal 00:00:11
00:23:57 Two elderly women sitting on a bench 00:00:05
00:24:02 People crossing a road 00:00:14
00:24:16 Elderly man on a bicycle 00:00:13
00:24:29 Wide angle shot of a pedestrian street 00:00:05
00:24:34 Elderly man in the street 00:00:08
00:24:42 Tram 00:00:06
00:24:48 Elderly man taking the tram 00:00:20
00:25:08 People in the park (4 shots) 00:00:37
00:25:45 "PVF Pensioenen, Amsterdam The PVF company, the largest in the Netherlands, administrates and invests in 24 different pension funds. Their services are offered to 65,000 companies and to 660,000 members with their pension plan. Their assets for the year 1996 were MECU 20,000" 00:00:00
00:25:45 Exterior of PVF (2 shots) 00:00:14
00:26:00 Entrance hall (2 shots) 00:00:18
00:26:18 Offices 00:00:08
00:26:26 Press cutting (2 shots) 00:00:11
00:26:37 Investment offices (2 shots) 00:00:11
00:26:48 Employee working at a computer (4 shots) 00:00:28
00:27:16 Interview with Regina de Valk of PVF's legal service on the particularity of the capitalisation system 00:00:49
00:28:05 On the guarantees granted to employees for their future pensions 00:00:24
00:28:29 On PVF's types of investment 00:00:33
00:29:02 On problems linked to the mobility of workers in the EU moving from one country to another. 00:00:21
00:29:23 7."UNITED KINGDOM Zeneca Zeneca is a young pharmaceutical group created in 1994 at the same time as the ICI empire. Zeneca's pension funds are one of the 25 largest in the United Kingdom, with assets of MECU 3,125 for 13,000 pension plan holders. The administrative centre of these funds is in Manchester. " 00:05:17
00:29:23 Exterior of the Zeneca factory (2 shots) 00:00:09
00:29:32 Zeneca factory 00:00:11
00:29:43 Laboratory technician 00:00:14
00:29:57 Laboratory apparatus (2 shots) 00:00:14
00:30:11 Laboratory procedures (2 shots) 00:00:20
00:30:31 Laboratory technician 00:00:05
00:30:36 Computer screen 00:00:06
00:30:42 Laboratory technicians (4 shots) 00:00:23
00:31:05 Microscope 00:00:06
00:31:11 Technicians at work 00:00:10
00:31:21 Laboratory apparatus (2 shots) 00:00:11
00:31:32 Technician at work 00:00:10
00:31:42 Exterior of Zeneca pension funds office (3 shots) 00:00:15
00:31:57 Ray Martin on the advantages for the employees to be able to keep acquired 00:01:18
00:33:15 On the exterior investments of the Zeneca pension funds 00:00:17
00:33:32 On the mobility of Zeneca employees from one Member State to another 00:00:45
00:34:17 Pension publicity (2 shots) 00:00:23
00:34:40 8."GERMANY Siemens (Munich) Germany and Austria have created a special system in which the engagements of occupational pensions are not pre-capitalised under form of separate assets, but are entered in the book-keeping of the company itself. The advantages of this system are primarily that the company is not taxed for placing money which now remains inside the company. The employee will pay tax on the amount he receives when he receives it.." 00:03:41
00:34:40 Exterior of the Siemens factory (2 shots) 00:00:11
00:34:51 Computer production line (16 shots) 00:00:34
00:35:25 Exterior of the headquarters of Siemens in Munich (2 shots) 00:01:19
00:36:44 "M. Herbert Lohneib, Head of the Investment Service at Siemens, on the specifics of the ""book reserve"" system " 00:00:16
00:37:00 "On the company Siemens which administrates a ""book reserve"" system" 00:00:46
00:37:46 On the guarantees granted 00:00:35
00:38:21 9.FRANCE 00:02:03
00:38:21 Exterior of the occupational pensions building (ARRCO and CICAS) 00:00:18
00:38:39 "Arnaud d'Yvoire, Director of the Pensions Observatory, on the obligatory aspect of occupational pensions in France" 00:01:05
00:39:44 On the manner in which foreign workers perceive an occupational pension. 00:00:40
00:40:24 10."DENMARK The Danish system is obligatory and since 1964 everything has been grouped in one single pension fund called the ""labour market"" (ATP). The principle players in the occupational pensions ""labour market"" are life insurance companies and industrial rights pension funds. In Denmark, both institutions benefit from the same legislation and respect the same fiscal constraints." 00:03:14
00:40:24 Copenhagen : Ambience in a market 00:00:00
00:40:24 Wide angle shot of the market 00:00:04
00:40:29 Elderly people shopping (2 shots) 00:00:18
00:40:47 Elderly woman talking to a young girl 00:00:14
00:41:01 Two elderly women (2 shots) 00:00:17
00:41:18 Retired women buying flowers (3 shots) 00:00:23
00:41:41 PKA 00:00:00
00:41:41 Exterior (2 shots) 00:00:10
00:41:52 Mr. Jorgensen on the organisation of pension funds in Denmark 00:00:30
00:42:22 On an example: pension funds for nurses 00:00:42
00:43:04 On the administration of pension funds 00:01:22
00:43:38 11.Copenhagen : Ambience in the town around the canals (7 shots) 00:00:48
00:43:38 12."3. OTHER CONTRACTS : LIFE INSURANCE DENMARK In Denmark, the complementary system covers 80% of the active population. For the most part it is grouped together with life insurance cover, negotiated by employers for the whole of their company. Insurance companies here have seen a great development in pensions, thanks to a legal system that puts insurances and pension funds on the same fiscal footing." 00:00:00
00:44:26 13.PFA Pension 00:08:54
00:44:26 Exterior (3 shots) 00:00:17
00:44:43 Exterior seen from a window (2 shots) 00:00:25
00:45:08 Employees at work in the investment sector (6 shots) 00:00:48
00:45:56 A PFA consultant in his office (8 shots) 00:00:58
00:46:54 A consultant at his client (Carlsberg) explaining the strategy for pensions plans for employees of the company (11 shots) 00:01:47
00:48:41 Exterior of the Carlsberg factory (2 shots) 00:00:16
00:48:57 Interior of the Carlsberg factory (7 shots) 00:01:14
00:50:11 "Interview with Ian Holst-Pedersen, Head of the PFA office in Luxembourg, on the organisation of the PFA system for the employees (3 shots)" 00:01:37
00:51:48 Conference for PFA clients on pensions (10 shots) 00:01:32
00:53:20 14.4. DECLARATION 00:03:03
00:53:20 Commissioner Flynn on the problem of recognition of occupational pensions between one Member State and another. 00:01:05
00:54:25 On the mobility of the working population and the Green Paper 00:00:32
00:54:57 On the directive proposition for occupational pensions 00:00:46
00:55:43 On the delay necessary before occupational pension harmony can be achieved in the Union 00:00:40
00:56:23 15.5. GRAPHICS 00:01:34
00:56:23 "System of Distribution : in 1997, 4 salaried people paid for 2 retired people; in 2040, there will be only 2 salaried people to pay for 2 retired people. This illustration shows the consequences of a demographic fall in the EU, which will lead to a progressive diminution of the active population. Demography has therefore become a crucial factor, which must be taken into account for the modernisation of social protection. " 00:00:12
00:56:35 "Live births in the EU (demographic fall): female - red line, male - white line" 00:00:14
00:56:49 "Increase in life expectancy (ageing of the population): female - red line, male - white line " 00:00:18
00:57:07 Comparison between national and occupational pensions in the EU. 00:00:20
00:57:27 Weight of active totals of pension funds in proportion to the national GDP. 00:00:52
00:57:57 16.Conditions of use 00:00:22
00:58:19 End 00:00:00
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