In France, a pension is considered modest when its monthly amount is less than 1,352 euros. This threshold takes into account all pensions received, including basic and supplementary schemes, both for employees in the private sector and for those in the public sector.
It is essential to note that this amount is not fixed in time. Indeed, an increase in the social security ceiling in 2025 could potentially impact this threshold, although the direct effects on small pensions remain to be determined.
Here is a summary table of the modest pension thresholds:
| Type of situation | Monthly amount |
|---|---|
| Single person | Less than €1,352 |
| Couple | Less than €2,100 (estimate) |
Financial aid for small pensions
Faced with the difficulties that retirees receiving a modest pension may encounter, several aid measures have been put in place:
- Personalized Housing Assistance (APL) : intended for tenants, it covers part of the rent.
- The Solidarity Allowance for the Elderly (ASPA) : formerly known as the “old age minimum”, it supplements the income of the most modest retirees.
- Social Assistance for Accommodation (ASH) : it contributes to the costs of accommodation in a specialized establishment.
- Social Housing Allowance (ALS) : accessible to people who cannot benefit from either the APL or the Family Housing Allowance.
This aid is subject to specific conditions, in particular resources and age. For example, ASPA is accessible to people aged 65 and over, residing in France for at least 6 months per year, and whose annual income is less than €10,881 for a single person or €16,893 for a couple.
Recent developments and prospects
The landscape of small pensions in France is experiencing notable changes. A 2023 reform provided for an increase in modest pensionswhich can reach up to 100 euros gross per month. This increase is, however, conditional on a minimum contribution period of 120 quarters.
On the other hand, the outlook is not all positive. There revaluation of pensions announced for 2025 promises to be less significant than initially expected. This situation could accentuate the difficulties of retirees already receiving a modest pension.
It is essential to note that these developments are part of a broader context of reforms to the French retirement system. Debates around the retirement age, the contribution period and the amount of pensions continue to animate the political and social sphere.
Impact on the daily lives of retirees
Small pensions have concrete repercussions on the daily lives of millions of French people. They can lead to:
- Difficulty finding suitable accommodation
- Limited access to health care
- A reduction in social and leisure activities
- An increased risk of energy poverty
Faced with these challenges, many retirees are forced to seek alternative solutions to supplement their income. Some opt for part-time work, others call on family or community solidarity.
Ultimately, the issue of small pensions in France remains a major societal issue. While reforms follow one another, the objective of ensuring a dignified retirement for all citizens remains at the heart of concerns. The evolution of support systems and the revaluation of the most modest pensions will be key elements in meeting this challenge in the years to come.
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