A context of reform for self-entrepreneurs
Nearly three million French people are affected by these changes, which aim to allow self-employed people to contribute to their supplementary pension. Until now, although these professionals paid contributions, they could not benefit from these rights. The new decree corrects this situation, but not without financial consequences..
Increase in contributions: a controversial measure
The decree provides for a gradual increase in the contribution rates of self-employed business leaders affiliated either to Cipav (Interprofessional Pension and Old-Age Insurance Fund) or to the general scheme. Currently set at 21.1%, these rates will increase to 23.1% from July 1, 2024, then to 24.6% in 2025, and finally to 26.1% in January 2026. For those covered by Cipav, an immediate increase of 2 points is planned from July 2024.
Financial impact and controversies
This increase in contributions is seen as a “sudden increase” by the Union of Auto-Entrepreneurs, which denounces a blind increase without clarification of the associated rights. Self-employed persons in Industrial and Commercial Profits (BIC) are not affected by this reform, but for those exercising a liberal activity, this measure leads to a significant drop in real income..
Gray areas and persistent questions
Although self-employed people can now build up rights for their supplementary pension, several questions remain unanswered. For example, will the number of supplementary retirement points granted increase proportionally with contributions? ? Is it possible to buy back retirement points missing since 2018? These questions raise legitimate concerns among professionals.
Position of representatives of self-entrepreneurs
The Union of Self-Entrepreneurs and the National Federation of Self-Entrepreneurs are calling for discussions to resume to clarify these points and ensure that the measures adopted are fair and equitable. The risk is that business leaders will be penalized without any guarantee of an advantageous supplementary pension..
A measure with contrasting effects
According to estimates from the National Federation of Auto-Entrepreneurs, a contribution of more than 26% would result in an average supplementary retirement pension of 75 euros per month, in exchange for an additional contribution of 500 euros per year. This represents an immediate financial sacrifice for uncertain future gain, making the measure controversial.
