Micro-Pensions for Individuals with Long Unemployment Histories

This proposal is not intended as a reform for today’s pension landscape, but as a forward‑looking framework designed for the demographic and labour‑market realities that Europe will face 28–30 years from now. It addresses the structural gaps that will become increasingly visible as cohorts affected by automation, fragmented employment, prolonged education, and long‑term unemployment reach retirement age in the mid‑2050s. The proposal outlines a complementary pension mechanism that integrates with existing systems while ensuring that individuals with interrupted or non‑linear careers do not reach retirement with zero pension entitlement. Its purpose is to anticipate and mitigate a predictable future challenge rather than respond to current conditions.