January 2025: +2.2% on the basic pension = approximately +€22 per month, i.e. €264 over the year.
November 2025: +0.6 to +0.8% on supplementary insurance = +€3.60 to €4.80 per month, i.e. €43 to €58 per year.
In 2025, this pensioner will therefore earn around €310 to €320 more.
In 2026, an increase of +1.2% on the basic pension would represent about +€12 per month, or €144 per year. But if the "blank year" returned, this increase would disappear.
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Risk of a blank year: a complete freeze on basic pensions remains an option mentioned by some politicians.
Possible under-indexation: even in the event of an increase, it could be lower than inflation, leading to a gradual loss of purchasing power.
Taxation: the 10% tax allowance on pensions could be reviewed, which would increase the taxation of pensioners with incomes above certain thresholds.
Real inflation: the major expenses of seniors (energy, health, food) often grow faster than the official index, accentuating the gap between statistics and reality.
In summary, 2025 offers a modest but certain revaluation, while 2026 remains a pivotal year. Pensioners will have to closely monitor the next budget announcements to anticipate the impact on their purchasing power.
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