No, no new supplementary pension increase in sight… This was implemented last November. But like every year, the Agirc-Arrco pension applies the evolution of your CSG rate with a delay compared to the Retirement Insurance. End of suspense on March 1st… even if you can easily anticipate the change.
On February 9, your basic pension from Retirement Insurance increased. By 5.3%. This is the annual revaluation. But for some, this revaluation was accompanied by an update of social security deduction rates. With the key some unanticipated drops or more clear increases than expected. Have you been affected by a change in CSG rate? Here is the ripple effect: your complementary Agirc-Arrco will also apply this same change in CSG rate on the pension paid this Friday, March 1st.
CSG: who experiences the increase (or benefits from a decrease) in the CSG in 2024?
No worries: the evolution of the CSG rate and more generally of social contributions does not concern not all withdrawals! Only those whose income has increased (or decreased) significantly. Significant enough to make them cross a reference tax income threshold (RFR).
Here in the table below are the RFR thresholds (according to your family quotient) updated for the year 2024. All thresholds have been revalued by 5.2%, following the inflation for the year 2022 recorded by the Insee (compared to +1.6% the previous year), since the tax income to be taken into account is that of the year 2022declared and imposed in 2023.
| Tax shares | CSG 3.8% +CRDS | CSG 6.6% +CRDS + CASA | CSG 8.3% +CRDS + CASA |
|---|---|---|---|
| 1 part (single person) | 12230 | 15988 | 24813 |
| 2 parts (couple) | 18760 | 24526 | 38059 |
| Additional half share (dependent) | +3265 | +4269 | +6623 |
RFR to take into account: 2023 tax notice on 2022 income.
CRDS 0.50% and CASA 0.30% in all cases.
Thresholds valid in metropolis. Detailed scale on lassuranceretraite.fr.
If your RFR is below the thresholds shown in the left column, you are exempt from CSG and all social security contributions.
To know: if you have occasionally exceeded the 6.6% threshold, the increase is not applied automatically, but only if this increase is confirmed two years in a row. This smoothing, however, only concerns the threshold between the reduced rate CSG (3.8%) and the higher categories.
Agirc-Arrco supplementary pension: when will the CSG rate change?
The supplementary schemes, and therefore first and foremost the Agirc-Arrco for the 13 million private withdrawals, apply the new rates after the Cnav (Retirement Insurance), which has just updated the CSG, CRDS rates and CASA on the January pension paid on February 9. This update involves communication between the pension schemes and the General Directorate of Public Finances (DGFiP).
In order to avoid any misunderstanding, Agirc-Arrco published a reminder on February 5 concerning a increase or decrease in social security contributions to your pension. The evolution will be effective from March 1, 2024.
In February you will receive a transfer to your bank account from Agirc-Arrco
If your CSG rate drops…
Good news! Your pension will increase mechanically, thanks to this lower withdrawal, from March. And in February you will receive a transfer to your bank account corresponding to the reimbursement of social security contributions deducted in excess from your pensions for the months of January and February, warns Agirc-Arrco. Then, from March, your pension should increase since the social security contributions applicable in 2024 will be deducted.
The regularization will be carried out when your March pension is paid
If your CSG rate increases…
Bad news… You are probably already aware of this, following the reduction in your basic pension paid by Retirement Insurance on Friday February 9. Your complementary Agirc-Arrco will follow the same movement on March 1st…
Retirement insurance: Why does my pension not increase by 5.3% in February 2024?
You can even anticipate a significant dip for the supplementary pension from March 1st: in the absence of a sufficiently high CSG in January and February, the regularization will be carried out when paying your March pension, which will be more significantly reduced.
From April, you will receive a constant pension, but mechanically a little lower than in recent months due to rising CSG rates. We will then have to wait until the fall for the next annual Agirc-Arrco revaluation.
Retirement insurance, Agirc-Arrco… What will your CSG rate be in 2024?