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 did it work?”

AGIRC ARRCO. Since March 1, 2023, the amount of your supplementary pension may change at any time. rising, as in the decline. Why? Who is affected? All of the information.

[Updated; day 3 ​​​​​​March 2023 &atgrave; 08:49] From change to; provide for supplementary pensions! Indeed, since March 1, 2023, Agirc-Arrco has updated the rate of CSG sampling, modifying for the vast majority; members the amount of their pension. For some, this novelty is excellent news because it is synonymous with an increase. On the other hand, others will frown upon glancing at them. their bank account at the beginning of March. Here are the two scenarios. If your CSG level has gone down; in 2023, you will receive a transfer corresponding to the reimbursement of the excess social security contributions deducted 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 due. products. Second option, if your CSG level has increased; in 2023, your complementary Agirc-Arrco will decrease in March, because the months of January and February were paid without taking into account this increase, it is time to regularize. From April, everything will be back to normal and your pension will stabilize at its actual level, given the that the regularization of the first two months of the year will have been passed on to Mars.

What is the Agirc-Arrco regime?

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

• l’Agirc (the General Association of Pension Institutions for Executives) created in 1947 by social partners to manage a dedicated supplementary pension plan to executive employees in industry and commerce;
• l’Arrco (Association of supplementary pension schemes for employees) created in 1961 by the CNPF (National Council of French Employers), FO (Force Ouvrière) and the CFDT (French Confederation of Christian Workers) to offer a supplementary scheme to other employees in the private sector.

Generalized now at throughout the private sector, Agirc-Arrco is a mandatory complementary pay-as-you-go scheme, i.e. the contributions collected from employees and employers serve to pay pensioners' allowances directly. The regime also refuses the use of indebtedness in order to ensure its affiliates the payment of their pensions when they retire.

Who contributes to Agirc-Arrco?

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. are. 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 starting age at the pension for female contributors to the scheme is 62 years and 10 months, and that for 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, but also contributions from the Uné dic (unemployment insurance) and the State (national employment fund allowing early retirees made redundant for economic reasons to receive an allowance until retirement. ;Retirement age at full rate).

What is the amount of the Agirc-Arrco survivor's pension?

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

• at/& the surviving spouse of the deceased; his ex-spouse;
• à his orphans, if the second parent is also deceased.

The amount of the survivor's pension is equal to; 60% of the employee's supplementary pension or retiree deceased. 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 retirement pension. reversion.

What is the difference between Ircantec and Agirc-Arrco?

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

In addition, Agirc-Arrco concerns all of the private sector employees, while Ircantec is open only to non-permanent agents from the State and public authorities. As a result, Ircantec is a supplementary scheme which concerns a number of active contributors well below that of the scheme. that of Agirc-Arrco (3 million in 2019).

How to join Agirc-Arrco for free?

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

• in branch after locating your his nearest Agirc-Arrco consulting agency;
• on the Internet from his personal Agirc-Arrco account by filling out the contact form.

It is also possible to reach the scheme by telephone at 0 970 660 660 or specialized retirement advisers answer Monday to Friday, from 8:30 a.m. to 8:30 p.m. 5 p.m. non-stop. However, the non-surcharged call is still chargeable.

How to access to; my personal Agirc-Arrco account?

To access his personal Agirc-Arrco account, you must connect to; from 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 set up by the State to simplify connection to the various public services. on line. Access to his personal Agirc-Arrco account is therefore done by choosing one of the accounts that the affiliate already have, for example, their taxpayer account on the impots.gouv.fr website, or their insurance account; on the website ameli.fr (Assurance Maladie) or MSA.fr (Mutualité sociale agricole). The Agirc-Arrco personal account gives the possibility of to access many services.

How to see my Agirc-Arrco payments?

Allowing in particular to consult his statement; career plan, simulate your rights or apply for your retirement online, the Agirc-Arrco personal account is also a place to see your payments. Indeed, while it is obviously possible to consult your current bank account to see if your pension has arrived, the Agirc-Arrco personal space updates your account. Agirc-Arrco payment certificates are available in 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, it is requested; to contact their pension fund directly.

How to obtain my Agirc-Arrco tax certificate?

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:

• simply consult the Agirc-Arrco tax certificate online, for example for people who wish to know the taxable amount of their supplementary pensions;
• or download it in order to have your tax certificate available. available, including offline.

It is also possible to obtain an Agirc-Arrco tax certificate by e-mail or by post. For this, the affiliate must ask for it to be sent to their pension fund, and not to the services of the Agirc-Arrco plan.

How to inform organizations of a death?

In the event of the death of a beneficiary of Agirc-Arrco, it is appropriate for the beneficiaries to 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 security number; social status, as well as the date and place of death. Moreover, it is recommended 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 apply for it by completing the dedicated online form. in the Agirc-Arrco personal space (the deceased's Social Security number is again required). If the beneficiary does not yet have a personal space, he will have to create one.

Is the supplementary pension taxable?

Like the basic pension, the supplementary pension is subject to income tax, and must therefore be declared to the employer. tax administration. On the other hand, the affiliate receiving his retirement pensions has in principle no steps to take; to do since the entry into force in France on January 1, 2019 of the levy of income tax. The source. The sums received under the supplementary pension are directly transmitted by the pension fund of the member. to the tax department at from a tax declaration. As for the amount of pensions received over the year, it is in principle pre-filled by the tax authorities in the income tax declaration of the member. The latter must still verify the accuracy of the amount entered.