Agirc-Arrco: decrease or increase in your complementary in March, how does it work?


Agirc-Arrco: decrease or increase in your complementary in March, how does it work?

AGIRC ARRCO. Since March 1, 2023, the amount of your supplementary pension may go up or down. For what ? Who is concerned ? All of the information.

[Updated on March 3, 2023 at 8:49 a.m.] Changes to be expected regarding supplementary pensions! Indeed, since March 1, 2023, Agirc-Arrco has updated the rate of the CSG levy, modifying the amount of their pension for the vast majority of affiliates. For some, this innovation is excellent news because it is synonymous with an increase. On the other hand, others will frown when they take a look at their bank account at the beginning of March. Here are the two scenarios. If your CSG rate has fallen in 2023, you will receive a transfer corresponding to the reimbursement of the social security contributions deducted too much from your January and February 2023 pension on March 1, 2023. Your pension will increase because the social security contributions applicable in 2023 will be deducted. Second option, if your CSG rate increased in 2023, your complementary Agirc-Arrco will decrease in March, because the months of January and February were paid without taking this increase into account, it is time to regularize. From April, everything will be back to normal and your pension will stabilize at its real level, given that the regularization of the first two months of the year will have been passed on to March.

The Agirc-Arrco scheme is a supplementary pension scheme for employees. Unified on January 1, 2019, this plan was born from the merger between:

Now generalized to the entire private sector, the Agirc-Arrco is a mandatory supplementary pay-as-you-go scheme, i.e. the contributions collected from employees and employers are used to pay pensioners' allowances directly. The scheme also refuses the use of debt in order to ensure that its affiliates receive payment of their pensions when they retire.

Agirc-Arrco concerns all employees in the private sector paying pension contributions, regardless of whether they work in commerce, industry, services or agriculture.

The scheme announces on its official website that there are 25,524,000 policyholders having acquired at least one point (all types of rights) during the year 2019, excluding retirees and deceased persons. Of these more than 25 million contributors, there are 11.8 million women and 13.7 million men working as employees in the private sector. The average retirement age of female contributors to the scheme is 62 years and 10 months, and that of male contributors is 62 years and 5 months.

Agirc-Arrco also collects employee and employer contributions from 1.7 million companies and 2.6 million individual employers belonging to the private sector, as well as contributions from Unédic (unemployment insurance) and the State (national employment fund allowing pre-retirees made redundant for economic reasons to receive an allowance until full retirement age).

Paying more than 80 billion euros in pensions each year to 13 million retirees (84 billion euros in 2021), Agirc-Arrco provides for a survivor's pension when the contributing employee or the retiree who has contributed dies. This survivor's pension may be granted under certain conditions:

The amount of the survivor's pension is equal to 60% of the supplementary pension of the deceased employee or retiree. The so-called anticipation coefficient is never taken into account (the earlier the retirement takes place, the lower the coefficient, and the more it reduces the amount of the pension) in the calculation of the survivor's pension.

Ircantec (Complementary pension institution for non-tenured State and public authority agents) is also a compulsory complementary pension scheme, but which concerns part of the civil service. The first major difference between Ircantec and Agirc-Arrco is therefore the contributor sector.

In addition, Agirc-Arrco concerns all private sector employees, while Ircantec is open only to non-tenured State and public authority agents. As a result, Ircantec is a supplementary scheme which concerns a number of active contributors much lower than that of Agirc-Arrco (3 million in 2019).

It is possible to reach Agirc-Arrco for free in different ways. In addition to the FAQ (frequently asked questions) section of the website, which aims to be the reference service for all questions on retirement and the scheme, Agirc-Arrco can be contacted directly:

It is also possible to reach the scheme by telephone on 0 970 660 660 where specialized pension advisers answer from Monday to Friday, from 8:30 a.m. to 5 p.m. without interruption. However, the non-surcharged call is still chargeable.

To access your Agirc-Arrco personal account, you must connect to the dedicated section on the supplementary scheme website. Free and secure, the Agirc-Arrco personal space requires a FranceConnect account, which is the digital solution put in place by the State to simplify connection to the various online public services. Access to his Agirc-Arrco personal account is therefore done by choosing one of the accounts that the affiliate already has, for example his taxpayer account on the site, or his insured account on the site (health insurance) or (agricultural social insurance). The Agirc-Arrco personal account gives the possibility of accessing many services.

Allowing in particular to consult his career statement, to simulate his rights or to request his retirement online, the Agirc-Arrco personal account is also a place to see his payments. Indeed, if it is obviously possible to consult your current bank account to see if your pension has arrived, the Agirc-Arrco personal space provides the Agirc-Arrco payment certificates within its "My documentary space" section. .

For people wishing to know when their Agirc-Arrco payments will take place, the scheme has posted a page dedicated to the schedule of retirement pension payments (monthly, quarterly or annual payments).

For any other information on payments, you are asked to contact your pension fund directly.

The Agirc-Arrco personal space also allows you to obtain your tax certificate. Once identified on his personal Agirc-Arrco account, it is possible to:

It is also possible to obtain your Agirc-Arrco tax certificate by e-mail or by post. To do this, the member must request that it be sent to his pension fund, and not to the services of the Agirc-Arrco scheme.

In the event of the death of an Agirc-Arrco beneficiary, heirs should inform the regional pension fund of the deceased. To do this, you must write a letter including the name and surname of the deceased person, their Social Security number, as well as the date and place of death. In addition, it is recommended to attach a death certificate (compulsory if it took place abroad).

If one of the beneficiaries can claim a survivor's pension on the death of the member, he must make the request by completing the dedicated online form in the Agirc-Arrco personal space (the Social Security number of the deceased is required again). If the beneficiary does not yet have a personal space, he will have to create one.

Like the basic pension, the supplementary pension is subject to income tax, and must therefore be declared to the tax authorities. On the other hand, the member receiving his retirement pensions does not in principle have to take any action since the entry into force in France on January 1, 2019 of the withholding tax. The sums received under the supplementary pension are sent directly by the member's pension fund to the tax department based on a tax return. As for the amount of pensions received over the year, it is in principle pre-filled by the tax authorities in the affiliate's income tax return. The latter must still verify the accuracy of the amount entered.