Since January 2019, retirees from the private sector born after 1957 are subject to the Agirc-Arrco malus, also called the solidarity coefficient. It thus leads to a 10% reduction in their rights when they retire: it is therefore the first three years of compensation that are impacted with 36 monthly payments reduced by 10%. With the pension reform, what will happen to this penalty? Can its deletion be retroactive?

The purpose of the Agirc-Arrco malus is to compensate for the financial balance of the Pension Fund, especially since this solidarity coefficient is intended to encourage workers to stay in their jobs for a few additional years. To benefit from a full pension, exempt from solidarity levies, employees must thus carry out their work for twelve months longer to benefit from a full pension. It is then a few more months or years that guarantee them temporary increases in their pensions, sometimes equal to 10, 20 or 30% of their initial pension.

With the pension reform, the social partners, managers of Agirc-Arrco, now have the possibility of deciding on the question of this temporary reduction. Agirc-Arrco thus communicated, explaining that it was waiting for these negotiations and the next national interprofessional agreement (ANI), which frames the rules of the regime. It is during this exchange that the removal of the increasing and decreasing coefficients should be decided from September 1, 2023. In the event that they were to be definitively removed, this choice could prove to be retroactive and thus come to relieve future retirees concerned.