Here is why their pension could drop in February

Here is why their pension could drop in February


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February is often that of unpleasant surprises for retirees. While the revaluation of retirement pensions is a moment of hope, some end up with a lower than expected pension. Why such a difference between the announcement of an increase and the amount ultimately paid? This is where the social security contributions play their role.

Find out why Some retirees see their pension drop down. And this, despite the increase in basic pensions and how these levies affect their income.

A direct impact on the pension of retirees

To understand why the retirement pension can vary in February, you must first be interested in social security contributions. Seniors are subject to three contributions. The CSG (generalized social contribution), the CRDS (contribution for the reimbursement of social debt) as well as CASA (contribution of solidarity for autonomy).

These contributions are adjusted each year, depending on the Reference tax income (RFR) and the family quotient of the insured. In 2025, these income thresholds experienced a revaluation of 4.8 %. Unfortunately, this change can lead to an unpredictable increase in samples for certain retirees.

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Bad news for retirees: your pension could drop in February, concerned

A drop for some pensioners

The CSG, which represents a significant part of social security contributions, has different rates. 8.3 % for the normal rate, 6.6 % for the median rate, 3.8 % for the reduced rate and 0 % for those who benefit from total exemption. The applied rate depends on the reference tax income of each retiree, as well as on their family situation.

As explained Cnewsthe rates depend on your RFR of 2023, indicated on your tax notice 2024. The thresholds not to be exceeded to benefit from a reduced rate are as follows: € 12,817 for 1 tax share, € 19,661 for 2 tax sharesand so on.

If your tax income exceeds these ceilings, You then switch to a higher ratewhich can reduce your net pension.

Although the revaluation of retirement pensions in 2024 was 5.3 %, these adjustments can cancel the positive effect of the increase. Worse, they will turn into decrease for certain retirees this year. Time is running out, don’t waste any more time to check if your RFR and the applicable thresholds have changed to avoid unpleasant surprises.

An increase for others

According to Cnewssome retirees will see their pension increase, although it is not systematic. This increase can occur If your CSG rate decreases due to a drop in your income. The same effect If you benefit from a total CSG exemption. The case also When your samples remain constant because you will see the annual increase in pensions.

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And smoothing Also helps avoid brutal increases in the CSG level. If a retiree suddenly goes to a higher rate, this increase only applies after a year of transition. This system thus offers a little predictability and stability.

In summary, although the revaluation of pensions arrives each year, the impact of social security contributions can reduce or cancel this effect for some. So stay vigilant and Follow your reference tax income closely To anticipate these changes.

Source : Cnews

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