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The Agirc-Arrco schemes have merged. What will change?

Last up dating on Tuesday 01 January 2019

The compulsory supplementary pension schemes Agirc and Arrco merged on January 1st, 2019. The new combined scheme, called Agirc-Arrco, applies to all employees with no difference in category between executive and non-executive staff (staff with or without “cadre” status).

This new scheme comprises 2 contribution brackets, which are charged at the following rates:

  • Bracket 1, for amounts below the Social Security ceiling, at an overall rate of 7.87%;
  • Bracket 2, for amounts between 1 and 8 times the Social Security ceiling, at an overall rate of 21.59%.

In most cases, these percentage rates are divided between the employee, who pays a 40% share, and the employer, who pays a 60% share.
However, employers can choose to divide the contributions at a rate that is more favorable to employees. It should also be noted that “special” employer-employee contribution breakdowns provided for by industry-wide or other agreements prior to October 30, 2015, may remain applicable.
The AGFF (Association for the management of the AGIRC and ARRCO financing fund), the GMP (Minimum guaranteed points), and the CET (exceptional and temporary contribution) have ceased to exist.

The have been replaced by:

  • The CEG (Overall balance contribution), at a rate of 2.15% on Bracket 1 and 2.70% on Bracket 2:
  • The CET (Technical balance contribution), at a single rate 0.35% on both Brackets 1 and 2.

The percentage rates for these new contributions are divided between the employee, who pays a 40% share, and the employer, who pays a 60% share.

You employees entitlements will remain the same, with 1 Arrco point being equal to 1 Agirc-Arrco point. To learn more, you can have them check out Agirc-Arrco’s videos and flyer for employees.

As an employer, you do not have to complete any paperwork. The National Tese/Cea/TFE Center will apply these new measures and calculation rules once the merger has gone into effect. For more information please check out Agirc-Arrco’s videos and flyer for businesses.

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