Agirc-Arrco, a supplementary pension scheme for private sector employees, has a specific operation for its policyholders. Indeed, for many retirees who depend on it, the system provides a pension with a 10% discount for three years, unless the employee voluntarily chooses to postpone the date of his retirement by one year. While this option has existed since 2019, unions and employers want to discuss maintaining this measure during the next negotiations. Should this bonus/penalty from Agirc-Arrco, which is debating, be removed?
When they merged in 2019, Agirc and Arrco created a temporary solidarity coefficient aimed at rebalancing the funds of supplementary pension schemes. It is commonly called the Agirc-Arrco bonus/malus and its purpose is to encourage employees to work an additional year beyond their retirement. In this way, if they decide to continue for another year, a bonus is paid to them while a penalty awaits them otherwise.
Currently, the Agirc-Arrco bonus-malus concerns people born from 1957, who hope to reach a full pension. In the case of a two-year lag, the supplementary retirement pension can be increased by 10%, for three years it rises to 20% and rises to 30% for four years and more. If the employee decides not to postpone his retirement, he then receives a penalty, which is a penalty of 10%. The future retiree therefore receives only 90% of his supplementary pension rights.
As BFMTV reports, the recent publication of Agirc-Arrco’s 2022 report relaunches the debate around this bonus/penalty. The hole of 2020, with a threshold of 4 billion euros, has thus been filled while the surplus of last year peaks today at 5.1 billion euros. While the CFDT spoke of a regime “in danger” seven years ago, Agirc-Arrco is currently doing much better.
From its creation, the device had already sparked a wide debate, in particular with the Force Ouvrière union, which had opposed its use. In addition, it would seem that the process did not bear fruit since very few employees ultimately chose to use this bonus by postponing their retirement age.
It was enough for the discussions to be relaunched around this device. Indeed, the increase in Agirc-Arrco’s balance sheet is also explained by the drop in unemployment and the creation of jobs. The increase in employees thus increased the total figure by 6.3%.
According to Brigitte Pisa, administrator of the scheme, the subject should therefore be discussed again in the coming weeks. Negotiations will thus be opened on the plan’s management objectives from 2023 to 2026 this semester and could sign significant changes within the framework of this system.
