The annual update of the rates of social security levies levied on retirement pensions materialized on Thursday 9 February on the basic pension. With the key some unanticipated declines or increases more frank than expected. When will your complementary, and in the first place that of Agirc-Arrco for 13 million withdrawals, do the same?
Who is affected by a rise (or fall) in the CSG in 2023?
No worries: the evolution of the CSG rate and more generally of social security contributions does not concern all retirees. Only those whose income has increased (or decreased) so as to bring them over a reference tax income threshold (RFR).
Here are the RFR thresholds (according to your family quotient) updated for the year 2023: they have been revalued by 1.6%, at the rate of annual inflation 2021, since the tax income taken into account is that of the year 2021declared and taxed in 2022.
| Tax shares | CSG 3.8% + CRDS | CSG 6.6% + CRDS +CASA | CSG 8.3% + CRDS +CASA |
|---|---|---|---|
| 1 part (single person) | 11614 | 15183 | 23564 |
| 2 slices (couple) | 17816 | 23291 | 36144 |
| Additional half share (dependent) | + 3101 | + 4054 | + 6290 |
RFR to take into account: tax notice 2022 on income 2021.
CRDS 0.50% in all cases, CASA 0.30% in all cases.
Thresholds valid in mainland France. For the detailed table, see the ministerial letter of December 12, 2022.
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. However, this smoothing only concerns the threshold between the reduced rate CSG (3.8%) and the higher categories.
When will the change take effect for your supplementary pension?
The supplementary schemes, and therefore in the first place Agirc-Arrco for the 13 million withdrawals from the private sector, apply the new rates after the Cnav (retirement insurance), which has just updated the rates of CSG, CRDS and CASA on the January pension paid on February 9. This update requires communication between the pension schemes and the General Directorate of Public Finances (DGFiP).
In order to avoid any misunderstanding, Agirc-Arrco has published a reminder concerning a increase or decrease in social contributions on your retirement. The change will be effective from Marchso counting the Agirc-Arrco pension pays on Wednesday, March 1.
If your CSG level drops: your pension will increase automatically, thanks to this lower levy, from March. And you will receive in February a transfer to your bank account corresponding to the reimbursement of social contributions deducted in excess from your pensions for the months of January and February.
If your CSG level increases: you are probably already aware of this, in particular by noting the drop in your basic pension paid by the Retirement Insurance on Thursday 9 February. Your complementary Agirc-Arrco will follow next month. You can even anticipate a trough for the supplementary pension from March 1: for lack of a sufficiently high CSG in January and February, the regularization will be carried out during the payment of your pension in March, which will be reduced more sharply. From April, you will receive a constant pension until the annual Agirc-Arrco revaluation scheduled for next fall.
Retirement insurance: Why did my pension drop in February?