After a 4.9% increase last November, supplementary retirement pensions for private sector employees (Agirc-Arrco) will change again in March. This time there is no increase to compensate for inflation, but rather an evolution, upward or downward, linked to the update of the CSG (generalized social contribution) rates.
It should be remembered that the supplementary retirement pension is subject to mandatory social security contributions, including the CSG. The CSG rate differs depending on the income of the insured. For example, a retiree who lives alone will be exempt from the CSG if his or her reference tax income is less than 12,230 euros. The rate applied, however, will be 3.8% between 12,230 and 15,987 euros of income, 6.6% between 15,988 and 24,812 and 8.3% from 24,813 euros.
Increase or decrease in pensions?
These thresholds that determine the CSG rate to be applied were increased by 5.3% in 2024, which may have had the effect of pushing certain retirees whose resources would not have moved to the lowest income bracket. And therefore requires an update of the CSG rate.
Furthermore, on the basis of the income tax declaration made in 2023, the tax administration informs Agirc-Arrco every year of any changes in the situation of its policyholders. Especially when your income has increased or decreased. This evolution can sometimes lead to a change of section and, therefore, to a modulation of the CSG type.
The new CSG rates will apply to the supplementary retirement pension from March. Those whose rates increase will automatically see their pension decrease. Especially since Agirc-Arrco will take advantage of this to regularize the months of January and February during which the insured, still subject to its old rate, did not pay a sufficient amount of CSG.
On the contrary, those whose CSG rate falls will see their pension increase from March. Reimbursement of excess social security contributions in January and February will be made by bank transfer in February.
Source: BFM TV
