Agirc-Arrco points in 2026: how supplementary pension uprating works

Private-sector employees’ supplementary pension is based on a points total. In 2026, the number of points does not change, although their value may do so.

Many people approaching retirement assume that an increase decided by Agirc-Arrco applies only to recently earned entitlements. That is not the case. Whenever an uprating takes place, it applies to every point recorded on a person’s account, including those earned at the start of their career, sometimes several decades ago. This collective, automatic system is based on a value set each year.

Previously earned points are neither removed nor replaced

The Agirc-Arrco scheme operates on a straightforward principle: throughout their working lives, employees build up points through contributions deducted from their pay. When they retire, those points are converted into a pension.

A career statement shows the overall total. This figure represents the employee’s accumulated entitlement. An uprating does not add fresh points to the statement, nor does it remove the oldest points.

Any possible increase affects the amount paid for each point, rather than the number of points held by the pensioner.

In practical terms, a point earned in 1998 is handled in exactly the same way as one validated in 2025. The age of the entitlement has no bearing. What matters is solely the overall number of points when the pension is calculated or paid.

The same rule applies both to people who have only just claimed their pension and to those who have received a supplementary pension for ten, fifteen or twenty years.

The service value determines the pension amount

To understand an uprating, it is necessary to separate two figures that are often confused. The first is used for people in work, while the second applies to pensioners.

• The purchase value of a point, also known as the reference salary, determines how many points an employee receives from their contributions.
• The service value of a point is used to calculate the supplementary pension once entitlement has been claimed.
• The total number of points represents the entitlements built up over the course of a career.

In 2026, the service value stated for the scheme is €1.4386. This is the figure used to convert a person’s total points into an annual gross supplementary retirement pension.

The calculation is as follows:

Annual gross supplementary pension = total number of points × service value of the point

A pensioner with 6,000 points therefore receives an annual gross pension calculated using this basis. If the service value rises following a future decision, their 6,000 points will automatically generate a higher pension. No application is required.

A practical example using 6,000 points

At a service value of €1.4386, 6,000 points amount to €8,631.60 gross per year. If that value increased by 1%, the annual total would rise by the same proportion, or by around €86 gross over a full year.

The exact gain therefore depends on the number of points held. A modest rise may barely be noticeable for a small pension. For a former manager or an employee with a long working career, however, the impact may reach several tens of euros each month.

Item	What changes when an uprating takes place
Number of points	It remains unchanged
Service value	It may increase, stay stable or change in line with the annual decision
Pension amount	It changes according to the new value applied to the points
Retirement date	It does not result in different treatment under the same service value

Why the supplementary pension remains unchanged until autumn 2026

The service value does not automatically track inflation. Employer and trade union representatives must make a decision under the scheme’s governance rules. Their decision takes account of changes in prices, Agirc-Arrco’s financial position and the economic outlook.

If no agreement is reached on an increase, the value remains the same. According to the information provided, it stays at €1.4386 from November 2025 to October 2026. For pensioners, this means that the gross amount of their supplementary pension does not rise during this period, unless an individual change results from an adjustment or a change in circumstances.

This freeze affects households more heavily when the supplementary pension makes up a significant share of their income. When everyday spending rises while the pension remains unchanged, purchasing power effectively falls.

The retirement date does not alter the treatment of older points

Delaying retirement does not secure a higher service value for points already on record. An employee retiring in September 2026 and someone who has been retired since 2021 are subject to the same service value once it applies.

Their pension amounts differ for other reasons: earnings during their career, length of employment, number of validated points, any reduction or uplift, family-related entitlements and the way the pension was claimed.

Any increase decided in November 2026 would apply to all pensioners covered by the scheme, without distinguishing between older and more recently earned points.

The pension claim date should therefore not be confused with the date on which points were earned. Neither affects the principle of an uprating shared by all recipients.

When does the increase appear in the bank account?

Where an uprating is decided from 1 November, it applies to the pension due for November. However, the monthly payment is generally made at the beginning of the following month. The uprated amount therefore becomes visible in the bank account at the start of December.

To check for a change, it is better to compare the gross amounts shown on pension statements rather than looking only at the payment received. The net figure may vary because of social security deductions or a change in the tax rate.

What to check on an Agirc-Arrco pension statement

Before becoming concerned that a pension appears unchanged, a pensioner can check several details in their personal online account:

• the total number of points used when the pension was claimed;
• the service value applied to the pension;
• the gross amount before deductions;
• the PAYE tax rate and social security contributions;
• the actual date of the monthly payment.

A difference between the gross and net figures does not necessarily indicate an uprating error. An increase in CSG, a change in the income tax rate or a one-off deduction may conceal the impact of a rise in the point value.

In autumn 2026, negotiations between the social partners will be watched particularly closely. Even a modest increase would apply to each pensioner’s entire stock of points. Conversely, if the service value is held again, supplementary pensions would remain stable despite changes in the cost of living.