what changes in January and February 2025, dates and increases to know

French retirees can rejoice at the start of 2025. significant revaluation of pensions came into force, bringing welcome relief from persistent inflation. This increase, more generous than initially planned, is accompanied by a precise payment schedule for the various pension plans. Let’s take a closer look at these changes and their impact on the purchasing power of seniors.

Increase in pensions: a pleasant surprise for retirees

Contrary to pessimistic forecasts, retirement pensions increased by 2.2% from January 1, 2025. This revaluation, applied to basic pensions, concerns both the public and private sectors. It represents a notable advance compared to the government’s initial plans, which envisaged a postponement of the increase to July or an increase limited to half of inflation.

This decision is particularly beneficial for the 17 million retirees who will see their pension increase in 2025. The impact on the purchasing power of seniors will be significant, especially in an uncertain economic context. Here is an overview of the main changes:

• Application of the increase from January 2025
• Revaluation rate set at 2.2%
• Coverage of public and private basic schemes
• Maintaining the classic calculation formula

Payment schedule: who gets what and when?

The payment dates for enhanced pensions vary depending on the pension plans. It is vital for retirees to know these deadlines to best manage their budget. Here is a summary table of the main dates to remember:

Note that these dates correspond to the issuance of transfers by pension funds. THE effective credit on bank accounts may take one to several additional days depending on the banking establishment.

Particularities and exceptions to be aware of

Some retirees are already benefiting from the increase, while others will have to wait until February to see the increase on their bank statement. These disparities can be explained by the specificities of each regime:

THE public service pensioners will see the increase applied from the end of January, their pension being paid in arrears. THE affiliated with the CNRACL will also benefit from this increase during the same period.

For the general dietthe February payment (corresponding to the January pension) will include the revaluation. On the other hand, the retirees from Alsace-Moselle are an exception, having already received their increased pension at the beginning of January.

These calendar variations can sometimes cause confusion. Retirees are recommended to regularly consult information on possible payment delays to avoid any unpleasant surprises.

Overall impact on the purchasing power of seniors

The revaluation of pensions is part of a broader context of changes for retirees in terms of pensions, taxes and CSG. This 2.2% increase represents a significant effort to maintain the standard of living of seniors in the face of inflation.

On the other hand, the real impact on purchasing power will depend on several factors:

1. The evolution of the cost of living
2. Possible changes to taxation
3. Adjustments to complementary health insurance
4. Variations in current costs (housing, energy, etc.)

Retirees are advised to remain vigilant and regularly inform themselves about the details of the increase and the categories of retirees concerned. This active monitoring will allow them to optimize the management of their budget and take full advantage of the advantages of this revaluation.

Ultimately, this increase in pensions marks a not positive in protecting the purchasing power of retirees. Although modest, it demonstrates a political will to support seniors in a complex economic context. Retirees must now remain attentive to future developments in their financial situation and adapt their management accordingly.

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