In 2025, the amount of retirement pensions paid by Carsat (retirement and occupational health insurance funds) will experience notable changes. A revaluation based on inflation and adjustments to the calculation methods will impact retirees' income. Here is a complete decryption to understand the changes.
A revaluation of 2.2 % in January 2025
In accordance with changes in the cost of living, basic retirement pensions will be increased by 2.2% from January 1, 2025. This increase aims to preserve the purchasing power of retirees in the face of inflation. This rate will apply directly to the gross amount of the pension calculated according to the current terms.
The basics of calculating Carsat retirement pensions
The amount of a basic retirement pension depends on three fundamental parameters:
Annual Income Medium (RAM)
The RAM corresponds to the average of the best 25 years of professional income for employees. This income is revalued by coefficients to take into account changes in the economy and inflation.
The rate liquidation
The liquidation rate is a percentage applied to the RAM. To benefit from the full rate of 50%, it is necessary to meet a certain number of quarters of contributions, which depends on the year of birth. In 2025, this number is set at 172 quarters (43 years) for policyholders born from 1965. If the required number of quarters is not reached, a discount is applied, reducing the final amount of the pension.
The duration insurance
The duration of insurance corresponds to the total number of quarters validated during the professional career. Periods of compensated unemployment, illness or maternity can also be taken into account to validate quarters.
Other services concerned by the revaluation
In addition to basic retirement pensions, several ancillary benefits will also benefit from this 2.2% increase. These include the Solidarity Allowance for the Elderly (Aspa), survivor's pensions and the Widow's Allowance.
Payment of pensions revalued in 2025
Retirees will receive their increased pension for the first time in February 2025, with a reminder corresponding to the increase for the month of January. For retirees affiliated to specific schemes such as that of Alsace-Moselle, special adjustments are planned.
Prepare to the changes
To better anticipate developments in 2025, here are some tips:
- Check your career records regularly to ensure that all your quarters are validated.
- Update your personal information, including your banking details, in your personal space on the Carsat website.
- Use online retirement simulators to obtain a precise estimate of your future pension, taking into account the new conditions.
A revaluation expected
This revaluation is part of a desire to preserve the purchasing power of retirees while taking into account current economic constraints. Although the 2.2% increase is not enough to fully offset the inflation of recent years, it constitutes an important measure for maintaining retirees' income.
Related News :