Minimum Agirc-Arrco pension: here is the post-reform amount

The supplementary pension only concerns people who have worked in the private sector. All employees in the private sector must contribute to the pension plan. Agirc-Arrco supplementary pension. These contributions allow beneficiaries to have, once the time of their retirement has arrived, a supplementary pension to their basic Social Security pension. The value of the retirement point is determined each year by the plan managers and published on 1 November.

According to a report published at the end of March, the Agirc-Arrco supplementary scheme, which manages supplementary pensions of 13 million pensioners from the private sector and the contributions of 26 million working people, noted a surplus of 5.1 billion euros for 2022, i.e. almost double its 2021 profit of 2.6 billion.

Minimum Agirc-Arrco pension: the amount after the reform

As the reveal our colleagues from MoneyVox, after the passage of the pension reform, the minimum supplementary pension Agirc-Arrco will not reach heights. However, several members of the government including the Prime Minister wrongly declared that all pensioners would receive a minimum pension of 1200 euros.

Thus, a person born in 1961, having started working at the age of 20, having had a full career paid at the Smic, and having liquidated his retirement on January 1, 2023 will be able to claim his rights to pension at full rate at the beginning of 2023 after 42 years. career (168 quarters). His monthly gross retirement pension from Agirc-Arrco will be “around 255 euros” believes the organization, which responded to MoneyVox.

Agirc-Arrco pension calculation, payment, amount

When you apply for a pension, your number of retirement points acquired during your career is multiplied by the service value of the point. The service value of the Agirc-Arrco point is fixed at 1.3498 euros, as indicated by the site Public service. The supplementary retirement pension is paid monthly. However, if the number of points is between 101 and 200, it is paid annually.

If it is less than or equal to 100, the pension is paid in one go. The supplementary retirement pension is subject to an annual revaluation on 1 November. You can estimate the amount of your supplementary retirement pension here.

Your number of points is subject to a deduction (that is to say, it is reduced) if you apply for your supplementary pension before the age of 67. There supplementary retirement pension Agirc-Arrco is paid without reduction in the number of retirement points from the age of 67.

Before the age of 67, it is paid without reduction on the number of points, if you benefit from a pension from the Social Security pension at the full rate, for disability, long career, incapacity for work or for another particular situation. .

You can apply for your supplementary pension from the age of 57 even if you do not benefit froma retirement pension full-rate Social Security pension insurance. But, in this case, your number of retirement points is reduced by applying a reduction coefficient, which varies according to the age at which you request your retirement.

Supplementary pension Agirc-Arrco reduction: how to avoid it?

The amount of your supplementary retirement pension is reduced or increased depending on the date on which you request it after having obtained your basic pension at the full rate of the Social Security pension insurance. If you apply for your supplementary pension at the same time than your basic pension at full rate, the amount of your supplementary pension is reduced by 10% for 3 years up to the age of 67.

The amount of the supplementary retirement pension is only reduced by 5% for 3 years if it is subject to the reduced CSG rate.

No reduction is applied in the following cases:

• Your supplementary pension is exempt from CSG
• You apply for your supplementary pension at least 1 year after having obtained your basic pension at the full rate
• You benefit from early retirement, in particular for disability or as a former asbestos worker

If you apply for your supplementary pension at least 2 years after obtaining your basic pension at the full rate, the amount of your supplementary pension is increased, for 1 year, under the following conditions:

• 10% if you apply for your supplementary pension 2 years after your basic pension
• 20% if you request it 3 years later
• 30% if you request it 4 years later