Supplementary retirement pension: this sum that older people will additionally receive from November!

On August 18, the law on the protection of the purchasing power of the French was published in the official gazette. This text brought various updates, including the 4% increase in the basic retirement pension. For supplementary pensions, discussions are still ongoing. For Agirc-Arrco it started on September 13.

At the time of writing this article, debates are taking place between employers and unions. Anyway, it will be fixed on October 6, according to journalist Julien Bigard. In addition, the latter was invited to the set of “19/20”, Thursday, September 22. The journalist brings us some clarification as for the rise. Here are the details.

Revaluation of complementary pensions

Let’s remember that the campaign promise by Emmanuel Macron does not apply for supplementary pension. On the other hand, the Minister of Economy Bruno Le Maire expressed it:

“It is up to the social partners to improve supplementary pensions. We will increase basic pensions. »

As for the date, we already know thatthere will be no raise before the time supplementary pensions this year.

“The social partners that manage Agirc-Arrco, the supplementary pension for employees in the private sector, will stick to the planned schedule, which foresees an increase on November 1”, explain our colleagues in Paris.

You should know that each year, the value of the supplementary pension is adjusted for the magnitude of inflation on French territory. As usualthe revolution intervenes in the payment of the month of November.

In addition, discussions are already underway to determine the percentage of the revaluation. For the retirees of Agirc-Arrco, the employers and the unions are already meeting from september 13.

The challenges of this modernization

From a financial point of view, there is of course the advantage of earning more for increase the purchasing power of retirees. On the other hand, there is much more. Indeed, this revaluation also plays on the political plan of the State.

The 4% revaluation for basic pensions it widens the imbalance between regimes. This revaluation benefit the officials much more than private pensioners. The reason is that of all the pensions that civil servants receive each month, 90% They are basic pensions.

However, for former private sector employees, this represents only 70% or even 50% for executive employees. In this regard, Valérie Batigne, founder and president of Sapiendo, a firm specializing in retirement, points to this favoritism.

Reported by our colleagues at Figaro, the latter said:

“Revaluations due to inflation remind us once again of the differences in treatment between regimes and statutes. It widens the gaps between the regimes that have an obligation of financial balance and the others. »

she added that this situation creates “differences between the French”. Fortunately, the revaluation of complementary pensions not for much longer.

Debates about the percentage

First of all, let us note that the national interprofessional agreement of 2019 dictates the rules for the revaluation of complementary pensions. This agreement specifies that the revaluation is carried out according to:

“Annual average salary of the nationals of the regime estimated for the current year minus a sustainability factor calculated so that, in practice, the value of the service of the point evolves at least as consumer prices excluding tobacco, to the extent that that the evolution of prices is not greater than that of wages. »

Taking this rule into account, the technical and financial committee of Agirc-Arrco proposed a revaluation of 4.8%. This figure is not definitive. In addition, several union leaders were quick to point out that in addition to last year’s impasse, more help should be given to former private sector employees.

Pierre Roger from CFE-CGC said:

“It remains to be seen to what extent it would be possible to go a little above the announced figures while remaining on the nails of the regime. »

The same day, Michel Beaugas of the Working Force add:

“Especially since last year, retirees have been asked to make an effort. »

A few days ago, on the set of “19/20”a journalist provide clarification.

“The increase should reach 5%”

We already know that the revaluation of complementary retirement pensions will become effective From November. What we don’t know is the amount of the increase. According to journalist Julien Bigard, on the set of “19/20”Thursday September 22:

“A priori, the increase should be around 5% and that is a good surprise, because it is almost the level of inflation. »

According to figures published by INSEE (National Institute of Statistics and Economic Studies), the level of inflation last month was 5.9% in one year. This is what we can read on the INSEE website:

“In August 2022, consumer prices increased by 0.5% in a month and 5.9% in a year”

However, once again, the revaluation of 5% of the supplementary retirement pensions it is just a hypothesis, the official figures should be known on October 6, according to Julien Bigard.

An allocation of 4,000 million euros for the supplementary pension

If we consider this 5% increase, the social partner Agirc-Arrco should deduct from its reserve a sum of 4,000 million euros. Note that the company’s current reserve is estimated at 65 billion euros.

For example, a retiree who receives 2,000 euros of retirement pension, of which 800 euros of basic pension and 1,200 euros of supplementary pension, will receive 60 euros more per month only with its complement.

If we add the revaluation basic pensions, this gives a total of 92 euros According to journalist Julien Bigard:

“We must add the increase in the basic regime that benefits all retirees since September: for him it is 32 euros per month. So if we add the two revaluations, his pension will increase by 92 euros. »

It is always welcome to make ends meet in these times of crisis. As to detailsone thing is certain, we will be fixed in november.

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