FAQ
1. What is AGIRC-ARRCO?
AGIRC-ARRCO is the system of mandatory supplementary retirement of private sector workers in France.
It works based on points accumulated throughout one's career, which determine the amount of pension paid after retirement.
2. When will the AGIRC-ARRCO payments occur in 2026?
Payments are made monthly, generally at the beginning of each monthThe beneficiary can consult the exact dates of payment in the Personal Space Online from AGIRC-ARRCO, where the official calendar is updated annually.
3. What has changed regarding the reduction (malus) since 2023?
From December 1, 2023, temporary 10% malus was abolishedThis penalty affected those who retired shortly after reaching the maximum rate, but it no longer exists. Therefore, beneficiaries no longer need to postpone retirement just to avoid the temporary deduction.
4. What do reduction (décote) and increase (surcote) mean?
A reduction (cleavage) accumulators is a permanent reduction This applies when the beneficiary retires before the age of 67 without having completed the required three-month periods.
A increase (surcote), on the other hand, is a an increase of 1,25% per additional quarter for those who continue working after reaching the required time or full age. Both permanently affect the value of the supplementary pension.
5. Is it possible to continue working after retirement?
Yup. O Cumul Emploi-Retraite (CER) allow to resume a professional activity. after retirement.
Depending on the system, the retiree may acquire new AGIRC-ARRCO points and increase your total income, especially if you are under the regime unlimited resources.
6. How can I verify that my points and contributions are correct?
Just access the Personal Space Online on the official AGIRC-ARRCO website.
There you can check all accumulated points, years of contribution, projected pension values and even correct administrative errors directly with digital support.
7. How can I file a complaint or correct information?
Complaints can be made in three ways:
- Hair Personal Space Onlinewith authentication;
- By phone, at the number 0 970 660 660;
- Or by postal correspondence to the official centralized address of AGIRC-ARRCO.
In more complex cases, it is possible to request a personalized interview with a retirement consultant.
8. What should I do if I disagree with the AGIRC-ARRCO response?
If the problem persists after the complaint process, the beneficiary can resort to... Mediator of AGIRC-ARRCO.
This independent body analyzes the case impartially and seeks a fair solution without the need for legal action.
9. What are the best times to call customer service?
The schedules with Lower call volume are between 12h00 and 14h00and after 16:00, mainly Wednesdays, Thursdays and FridaysAvoiding Monday mornings helps reduce waiting time.
10. How to optimize the benefits of AGIRC-ARRCO 2026?
To maximize supplemental income, it is recommended to:
- Check the points history and correct any errors;
- Planning the use of the pension together with insurance, microloans and low-risk investments;
- Use digital wallets for expense control and automatic payments;
- take advantage of increase (surcote) continuing to work for more quarters;
- And maintain a detailed financial record, adjusting the budget according to annual adjustments.