Since December 1, the Agirc-Arrco supplementary pension bonus/penalty has disappeared for all new retirements. However, the penalty which temporarily reduced your pension in the event of departure at full rate could distort the data for estimating your future pension. The official simulator, on Info-Retraite.fr, is now up to date: your estimates no longer take the penalty into account.
What pension, basic + supplementary, will you be entitled to if you leave at the full rate age? A very important question when it comes to starting to think about your future monthly pension as you approach retirement age.
As a reminder, the full rate is acquired when you have validated the number of quarters necessary according to your year of birth. And the full rate must be distinguished from the legal age: you may be able to leave at 64 but without having a full rate pension, which means that your pension will suffer a reduction, sometimes significant. You must then validate (or repurchase) more quarters to start at full rate.
At what age can I retire? *
| Legal retirement age ** | — |
| Number of quarters required ** | — |
| automatic full rate age ** | 67 years old |
*As of 1er September 2023, the legal retirement age will be gradually raised by three months per year to reach 64 years in 2030, compared to 62 years today.
** Source: government pension reform project presented on January 10, 2023.
NB: This is a simplified simulator which presents general cases. For a personalized simulation, go to the simulator retirement info site.
Pension reform: basic pension, full rate, premium… 10 words to understand what the law changes
The full rate concerns above all your basic pension, that of Retirement Insurance (Cnav or Carsat). But leaving before or after the full rate age also has an impact on your Agirc-Arrco pension, the main supplementary scheme, which concerns all employees and workers in the private sector. Worse: in recent years, even if you started at full rate, Agirc-Arrco encouraged you to work one more year, failing which a temporary penalty (of 3 years maximum) was applied to you..
Following the raising of the legal age, via the pension reform, the Agirc-Arrco complementary system has removed the complex bonus/penalty mechanism. For all effective departures from December 1, 2023no penalty is applied.
Agirc-Arrco retirement: what changes for your supplement on December 1, 2023
Your retirement esteem will no longer be reduced by the Agirc-Arrco penalty
Problem: the bonus/malus had until now had an impact, far from being trivial, on your retirement pension estimates on Info-Retraite.fr, an official simulator which enjoyed significant success this summer with a view to entry into force. force of the pension reform.
The public interest group Union Retraite, which manages M@rel, told us that the simulator takes into account the removal of the penalty since December 7, writes The world, this Friday, December 15. This group managing Info-Retraite.fr, the only portal bringing together your retirement rights in all schemes (Cnav, Agirc-Arrco, Ircantec, SRE…), has confirmed to MoneyVox that the M@rel simulator is up to date. As a reminder, you access it via My retirement estimate on the home page of your Info-Retraite personal space, then Access the simulator. Up to you.
Retirement: here are 3 official simulators to calculate your pension and your starting age