Au 1er novembre 2023, des modifications importantes ont été apportées au sujet des pensions de retraite complémentaire Agirc-Arrco. Après plusieurs semaines de négociations entre les partenaires sociaux, un accord s’est conclu. Ces transformations promettait un impact considérable sur les bénéficiaires actuels et futurs.
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Revalorisation des pensions et indexation sur l’inflation
Le 1ᵉʳ janvier 2023, les retraites de base ont connu une revalorisation d’à peine 0,8%. Le prétexte fut qu’une revalorisation avait déjà eu lieu en août dans le cadre de la loi au sujet des mesures d’urgence dédiées à la protection du pouvoir d’achat.
Désormais, Le ministre de l’Économie Bruno Le Maire a assuré que les pensions de retraite « seront toutes revalorisées de 5,2% au 1ᵉʳ janvier 2024 ».
Parallèlement, les pensions ont été indexées sur l’inflation pour mieux protéger les retraités face à la hausse des prix. Nous vous rappelons d’ailleurs qu’en août 2022, l’inflation en France était proche de 4,9 % sur un an, alors qu’elle a atteint 6.4 % en août 2023 !
Possibilité de suppression du malus
L’une des autres mesures phares de cette réforme, concernait la suppression du malus. Celui-ci consiste en une diminution temporaire des pensions pour les personnes prenant leur retraite avant l’âge d’équilibre.
Sachez d’ailleurs qu’il va prendre fin à compter du 1er décembre pour les nouveaux retraités. Pour les personnes qui le subissent déjà, sa suppression se validera plutôt au 1er avril 2024. Quand cette mesure sera adoptée, elle pourrait permettre à davantage de salariés de partir en retraite sans subir de décote.
Le calendrier prévisionnel des premiers versements des aides
D’après Bruno Le Maire, Ministre de l’Économie, dans une interview au Parisien, toutes les pensions devraient augmenter de 5.2 % dès l’année prochaine. Cette hausse vient s’ajouter à celle déjà appliquée en 2022 (4% par rapport à l’inflation) et à une autre majoration de 0,8 % prévue pour 2023.
Viennent ensuite quelques dates cruciales liées aux premiers paiements sur votre compte bancaire pour une aide particulière, notamment la date de la revalorisation des retraites complémentaires Agirc-Arrco, prévue le 1ᵉʳ janvier 2024.
S’informer et se préparer
Pour anticiper ces nouveautés concernant votre retraite complémentaire, nous vous conseillons de bien comprendre les différents éléments clés qui peuvent influencer le montant de votre pension ont l’âge de départ en retraite, le nombre de points acquis, le taux de cotisation et la durée d’assurance.
- L’âge de départ en retraite : selon que vous partez avant ou après l’âge d’équilibre, vous pouvez être soumis à un malus ou obtenir une surcote.
- Le nombre de points acquis : pendant votre carrière professionnelle, vous accumulez des points de retraite complémentaire, qui seront ensuite convertis en pension.
- Le taux de cotisation : plus votre niveau de cotisation est élevé, plus vous accumulez de points et donc de droits à pension.
- La durée d’assurance : le nombre de trimestres validés au cours de votre vie professionnelle a également un impact sur le montant de votre pension de retraite complémentaire.
Pour obtenir une estimation précise de votre future pension de retraite complémentaire Agirc-Arrco, nous vous recommandons de consulter régulièrement votre relevé de carrière et d’utiliser les simulateurs disponibles en ligne.
À retenir
À l’aube d’une réforme importante pour les pensions de retraite complémentaire Agirc-Arrco en France, nous vous rappelons la nécessité de comprendre les éléments clés susceptibles d’influencer le montant de cette pension.
Avec une hausse prévue des pensions et des mesures potentielles telles que la suppression du malus, cette réforme pourrait constituer une avancée significative pour les bénéficiaires de retraites complémentaires. Mais des incertitudes subsistent encore quant aux modalités exactes de cette réforme, attendues lors des prochaines réunions entre partenaires sociaux.
Ne manquez aussi pas : 2023 : les bénéficiaires de l’AAH face à un dilemme pour la Prime de Noël !
Antoine Blondain, diplômé de l’Institut de Journalisme Bordeaux Aquitaine (IJBA), une institution qui sert de creuset aux journalistes prometteurs en France. Aujourd’hui, je suis rédacteur, auteur, et journaliste pour le site web journalpremiereedition.com, où je couvre une variété de sujets qui englobent les domaines politiques, culturels et sociaux.
Ma passion pour le journalisme a vu le jour durant mes années de formation à l’IJBA, où j’ai acquis non seulement les compétences techniques nécessaires pour exercer ce métier, mais aussi une éthique professionnelle rigoureuse. L’institut m’a offert un environnement propice pour comprendre les mécanismes complexes qui régissent les médias et la communication en général. Bonne lecture!
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