The pension reform still has to go through several stages before coming into force on September 1, 2023, as planned by the government. If ever it becomes clearer, Agirc-Arrco will offer a simulator estimating your future retirement. A simulator intended to replace the current M@rel simulator from Info-Retraite.fr.
Have you already tested the official Info-Retraite simulator? Not the simulator am I concerned which is content to give you age and duration of insurance, but the official simulator calculating your future pension, via the My retirement estimate section on Info-Retraite.fr.
Called M@rel, this simulator currently allowing you to estimate your pension (basic + supplementary) at legal age, full rate age or 67, was launched by the Agirc-Arrco scheme before being taken over by the Union Retraite group, which now offers this tool via its Info-Retraite portal.
A new retirement simulator, developed by Agirc-Arrco, operational within 2 months
At the origin of this inter-regime simulator, Agirc-Arrco has worked on a brand new simulator, and intends to launch it with a view to the potential upcoming application of the pension reform.
The supplementary scheme for former private sector employees, which currently pays 13 million supplementary pensions, presented its 2022 financial results on Wednesday March 29. And took the opportunity to announce a brand new retirement simulator, developed by Agirc-Arrco, operational in the 2 months.
Pension reform: how much will you earn at 64?
Probable deployment in June on Agirc-Arrco.fr, before Info-Retraite.fr
Franois-Xavier Selleret, Managing Director of Agirc-Arrco, insisted on the plan’s desire to provide personalized information to workers asking questions about their future retirement, since the reform raises many questions.
Franois-Xavier Selleret unsurprisingly took the usual precautions, recalling that the bill is currently only at the stage of the Constitutional Council – which will render its decision on April 14 – before considering its promulgation by the President of the Republic.
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As long as these stages have not been completed… the simulator mentioned will remain at the project stage. But we are putting ourselves in a position to be able to answer questions from policyholders after the promulgation of the lawexplains the director general of Agirc-Arrco, who insists on the desire of the supplementary scheme to offer a suitable retirement simulator from June onwards.
This new simulator will indeed be a new version of M@rel, the simulator currently offered on Agirc-Arrco.fr and on the Info-Retraite.fr portal. This new simulator will therefore very likely be deployed this summer on Info-Retraite following its posting on Agirc-Arrco.
We have the responsibility [de fournir] to customers [une] simplified, unified information, without having to go around the different schemes, insists Didier Weckner, vice-president of Agirc-Arrco and also current chairman of the board of directors of GIP Union Retraite (which manages Info-Retraite.fr) . This supports the idea that this all-level simulator will quickly be found on the sites of the various schemes, ahead of the date scheduled for the entry into force of the reform, 1 September.
Agirc-Arrco supplementary pension: what future for the 10% penalty?
The solidarity coefficient, nicknamed malus Agirc-Arrco, was introduced by this scheme in 2019 to encourage new retirees to work longer. When they liquidate their full rate pension, a penalty of 10% is deducted from the supplementary pension for a maximum period of 3 years. Unless you wait 1 year before liquidating your rights…
Before the reform pushing back the legal starting age and lengthening the contribution period, the question clearly arose of maintaining this penalty. When we renegotiate, we put all the subjects on the table. This subject is one, said the president of Agirc-Arrco, Brigitte Pisa, who represents the CFDT within the rotating presidency of this scheme co-managed by the social partners and employers.
Didier Weckner, vice-president of the regime, confirms the impossibility of giving the outcome of the next negotiations, on this subject as on the others on the agenda. Verdict before the summer. Suspense…
Agirc-Arrco supplementary pension: will the 10% discount still apply after the reform?