Moreover, the increase in accrual rates with the length of working life could enhance the incentives for older workers to participate longer (IMF, 2012b). The risk remains of course that workers with loose attachment to the labour market (including undeclared work), and hence short insurance records, might see little point in paying contributions, but this issue should be addressed through labour market and/or education policies rather than pension ones. Discretionaiy exemptions remained, as for example, with the liberal professions (medical doctors, law practitioners and engineers) who preserved their separate schemes, effectively opting out of the reformed system. Moreover, in some cases, such as that of utilities, the acquired rights of employees hired before 1983 were protected (Matsaganis, 2011, Petsemidou, 2011). In addition, although the 2010 reform simplified the structure of the system, leaving only 6 pension funds, there are still 93 sectoral systems under these broad funds with different social security contributions. Around 30% of main pensions were above the EUR 1000 threshold in mid-2013, according to the recent EC review of the Greek adjustment programme (EC, 2013b).