The 9th of January, retirees will see the concrete effects of the withholding tax on their pensions. They are concerned about.

It is little to say that the entry into force of the withholding at the source gives you the cold sweats to some retirees. “All were received in late November a letter from the minister of the public accounts Gérald Darmanin explaining the establishment of this new device,” says an activist cégétiste of the ministry of Finance. Even those which were not taxable were the recipients of this missive. Result: they were afraid and ran from 2 January to their tax centre.

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“We told them that they were not concerned. They just needed to be reassured, continues this agent. It is not known how they will react when they will see a lower amount on their bank account. There may be confusion between the mark-up rate of the CSG, because their income tax reference has increased in 2018, and the withholding at the source.”

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The answer will not be long: the first pensions affected by the scheme will fall on Wednesday 9 January. 14 million retired people receive a pension from the Cnav (national Fund for old-age insurance) and 6.3 million are taxable.

Some people discover the collection at the source

Among the first to face the device : the ex-employees of the private receive an additional. On January 2, 12.6 million pensioners of the Agirc-Arrco have received their pension, including (or not) the withholding of tax at source. “No bug has been identified for the moment, but this has raised a lot of questions,” said Didier Pensec, head of the unit interlocution external within the directorate of regulatory affairs of the federation Agirc-Arrco.

First surprise : some of them are surprised to see their pension decrease. They had not made the link between the tax at the source, yet highly publicized, and their own situation. Others thought that it applied only to the basic pension. Since its entry into force, all benefits paid from, the pension in particular, are concerned.

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Without common measure with what has happened in the services of the tax authorities on 2 January (150 000 calls, 280 000 connections on the website of the income tax, 100 000 visits in the centres of the income tax), appeals to the federation Agirc-Arrco have doubled. The team is on the bridge : it was requested to the concerned departments do not ask to leave during the first two weeks of January.

calculation errors… retirees

The question most frequently asked regarding the amount of the supplementary pension received, which is often different from the one that had calculated the retired of his side. The explanation is simple. “Most of the individuals have applied the rate of levy which has been communicated by the tax administration (at the end of their declaration of income during the month of June) in the amount of the pension affected last December. However, this is not the right basis for calculation. It is not necessary to apply on the net award paid, but on the net taxable. It is higher, because of the social contributions such as the CSG are not deductible,” recalls Didier Pensec.

This sum, which may vary from a few euros, has generated a lot of emotion. To answer these questions, since 3 January, the Agirc-Arcco has put in place an online service that allows each retiree to access the count of his monthly payment. This equivalent of the payslip allows you to check to see if the rate selected is correct (see the example below).

A sample arrived too early?

Another source of panic of the pensioners: their pensions for December, paid in January, reflected already in the rate. In contrast to the Agirc-Arrco, the Cnav (national Fund for old-age insurance) and the Carsat (Caisse d’assurance retraite and health at work) to make their payments in arrears. “It is the date of the payment that outweighs the application of the levy to the source, and not the period to which it relates,” says Annie Leboucher, head of the implementation of the device to the Cnav.

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Is this a surplus, as many move ? “This changes nothing, because even if they have paid the tax in 2018, they have not made allowance for the month of December. There will always be 12 monthly deadlines to take into account in a fiscal year,” she continued.

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The young retirees are also white hair. Their rate being based on the income they received as employees, their fear is too much to pay in tax, so that their pension is lower than their salary. Number of calls received by the irs, incidentally, the wishes of rate changes. It should be adjusted in a month or two after the request. Good news : in 2019, in the case of change of rate related to a change in income (or family situation) and over-harvesting, it will be possible to make a claim to the tax authorities and obtain a refund early.

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Many retirees have applied the rate of levy at the net made by their supplementary Agirc-Arrco in December, instead of applying it to the taxable net.

Agirc-Arrco