More than one million people in France have spent their lives working in agriculture, yet many of them now struggle to make ends meet in retirement. The average pension for retired farmers is around 1,150 euros gross per month, significantly lower than the national average of 1,500 euros. This difference is not due to the size of their farms or the fluctuations in agricultural prices, but rather to the way their pensions are calculated. Unlike most employees, farmers’ pensions are based on their entire career, not just their 25 best years. This method has left many former farmers with pensions that place them near or below the poverty line.
The current system, which calculates pensions based on the full career, has been in place for decades, while other professions have long used a method that considers only the 25 most financially rewarding years. This has created a structural gap in pension amounts for non-salaried farmers, who now number 1.3 million in France. The disparity is not a temporary issue, but a long-standing problem rooted in the calculation mechanism itself. A farmer's pension can be directly affected by years of lower income, which are included in the full career calculation, unlike in other systems where such years are excluded.
To address this issue, the Mutualité sociale agricole (MSA), the organization responsible for agricultural social security, is preparing a major reform. This change, mandated by Law No. 2023-87 of February 13, 2023, aims to align the calculation of non-salaried agricultural workers' pensions with the system already used by other professions. The new method will take effect on January 1, 2026, with a planned recalculation of pensions granted between 2026 and 2027 in 2028. This recalculation will ensure that no one is unfairly penalized by the change in calculation rules during this transition period.
The government is also working on adapting the new pension calculation method to the overseas departments and regions, with plans to legislate by decree by February 2027. This ongoing reform highlights the complexity of correcting long-standing statistical injustices. It shows that such changes require time, careful adjustments, and a focus on the most vulnerable situations. For many former farmers, the issue was not the size of their farms, but a calculation detail that remained unchanged for decades.
Agricultural Pension Reform Aims to Address Longstanding Disparities in France
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