To date and since 2019, if you retire full rate… still applies a 10% discount on your Agirc-Arrco supplementary pension. A temporary penalty, for 3 years. Following the entry into force of the pension reform, this 10% penalty is strongly called into question. The end clap becomes clearer. End of suspense at the beginning of October.
To fully benefit from the Agirc-Arrco supplementary retirement pension, without the 10% reduction (the solidarity coefficient)it is not only necessary to reach the age of the full rate but also work another year. Concretely, if you have your full career (the required quarters) at 63: you must work until age 64 to avoid this temporary reduction. If you ever choose to leave full rate all the same, your supplementary pension is reduced by 10% for 3 years (until the age of 66 in this example) to return to its normal level thereafter.
Agirc-Arrco: I am retiring. Why am I losing 10% on my complementary?
However, with the pension reform and the lowering of the legal retirement age to 64 by 2024, this measure loses all its meaning. But it is not up to the government to decide on the matter. Indeed, it is the social partners (employees’ unions and employers’ organisations) who decide for the 13million pensioners.
Agirc-Arrco supplementary pension: will the 10% penalty be abolished following the reform?
End of the malus: a decision already taken?
According to information from our colleagues at Parisianthe clap of the end of the 10% reduction of Agirc-Arrco could well sound. They all practically acted on it, even if the employers are going to play the suspense over several weeks, told them a source familiar with the matter. The suspense shouldn’t last too long. Negotiations begin on Tuesday, September 5 and employee unions and employers’ organizations have until early October to reach an agreement.
always according to The Parisianthe cost of giving up the malus is estimated 500million euros per year. A cost that will eventually be offset by the additional contributions generated by the extension of working hours.
What fate for those who currently pay this penalty of 10%?
Have you recently retired and your complementary is reduced by the application of this solidarity factor? As much as the fate of the penalty in the future seems sealed, the fate of current penalties does not seem to be settled. Most unions are advocating for the abolition of the discount, including for those currently suffering from it. But the complexity of the measure – reopening files that have already been closed – would not plead in its favor. Verdict at the beginning of October, when the agreement will be revealed.
Pension reform: and now, the battle for the complementary Agirc-Arrco