This increase will affect 800,000 French people and it will be significant…
In France, as in other countries, to be able to receive your basic pension and your supplementary pension, you must finance them by contributing. Each month, your employer deducts a certain number of social security contributions from your salary to help gradually finance your pension once retirement age is reached. This operation is valid for employees of a company, but also for self-employed people. The difference is that it is up to the self-employed to declare their turnover to the URSSAF every month or every quarter in order to be able to contribute. Without that, and if their turnover is zero, they do not contribute.
Today, the amount of contributions is calculated as a percentage of salary. Each contribution thus has a rate, which is set by decree and which changes every year. As a result, if certain contributions increase, this can have a direct impact on your remuneration and on what is ultimately taken from you. Inevitably, some are sometimes more of a loser than others. Moreover, in the coming weeks, a large number of French people will find themselves in this situation.
Indeed, from July 1, 2024, 800,000 French people will see the rate of their social security contributions increase to 23.1%, compared to 21.1% currently. And in the years to come, it should even reach 26.1% on January 1, 2026. This concerns: self-employed people, who depend on the general scheme or on Cipav, the main pension fund for the liberal professions. With this new rate, the objective is to allow self-employed people to receive a supplementary pension.
According to the National Federation of Self-Employed and Micro-Entrepreneurs (FNAE), “a contribution higher than 26% would generate on average a supplementary pension of 75 euros per month, in return for an additional annual contribution of 500 euros”. But on the side of those mainly concerned, the news is not really received in the same way. “I will lose more than 300 euros of net income per month in 2 years, to contribute to a supplementary pension which I really don’t care about”, commented Romain, an Internet user on the FNAE website. “So the FNAE campaigned for us to take 5 additional contribution points, in exchange for a hypothetical and vague supplementary pension?” underlines Alexandre.