The pensioners who will see the personal gap to zero with the 2.5% increase in 2025 come from almost all funds, and are mainly those with more than 36 years of insurance.
According to EFKA’s payment data available in the “Insurance and Pensions» :
- Old-age pensioners of the IKA with 35 years, currently receive an average of 1,169 euros compensatory and national pension before tax with a personal difference balance of 12 euros. With the increase in December, they will zero out the personal difference and have a net increase (above the personal difference) of 17 euros per month.
- Old-age pensioners of the PPC with 36 years, today receive an average of 1,394 euros compensatory and national pension with a personal difference balance of 33 euros from 255 euros that was initially. With an average annual increase of 42 euros, they will zero out the personal difference in 2025.
- Old-age pensioners of OTE with 37 years, currently receive an average of 1,191 euros compensatory and national pension (before tax) with a personal difference balance of 28 euros, which will be reduced to zero with the 2025 increase.
- Old-age pensioners of the Legal Fund, aged 37, currently receive an average of 913 euros compensatory and national pension with a personal difference balance of 23 euros, which will be zero with the 2025 increase.
- ATE old-age pensioners with 37 years of age, currently receive an average of 1,235 euros compensatory and national pension before tax with a personal difference balance of 11 euros. With the 2025 increase, the pension will rise by 31 euros and the personal difference will be zero, while the net increase in the pension will be 20 euros.
- Old-age pensioners of the Shipping and Tourist Agents Fund (TANTPY) with 40 years of age, today receive an average of 1,202 euros in compensatory and national pension before tax with a personal difference balance of 20 euros. With the 2025 increase, the pension will rise by 30 euros. The personal difference will be zero and the net increase in the pension will be 10 euros.
- State pensioners aged 37 receive an average of 1,179 euros in compensatory and national pension before tax with a personal difference balance of 32 euros. With the 2025 increase, the pension will rise by 35 euros and the personal difference will be zero.
The 2025 bonus and the double profit in pensions
Those who are left out of increases and as long as there is still a personal difference, will receive the one-time allowance. For 2025 the allowance will be 100 euros for pensions from 1,100 to 1,600 euros, 150 euros for pensions from 700 to 1,100 euros and 200 euros for pensions up to 700 euros.
The allowance will be paid to those who have a balance of personal difference over 10 euros.
Because the benefit will be paid first and then the increase, many pensioners who will have received the benefit will then zero out the personal difference with the increase and thus have a double gain.
For example, pensioners who receive a pension of 700 euros and have a personal difference of 12 euros, (a total of 712 euros) will receive an allowance of 200 euros, while with the increase of 2.5% they will then manage to zero out the personal difference by earning another 5 euros with the pension at 717 euros (700+2.5%=717). In practice the annual profit in this example will be 260 euros with allowance and increase (200+(5X12)=260).
Accordingly, a pensioner who receives 1,000 euros and has a personal difference of 15 euros, will receive the allowance of 150 euros, while with the increase of 2.5% he will receive another 25 euros, of which 15 euros will zero the personal difference and 10 euros it will be extra profit in pocket. The total annual benefit he will have will be 270 euros (150+(10X12)=270).
A pensioner who receives 1,200 euros and has a personal difference of 20 euros, will get the allowance of 100 euros, while with the increase of 2.5% he will get another 30 euros, of which 20 euros will zero out the personal difference and 10 euros will be additional profit in the pocket with a total annual benefit of allowance and increase of 220 euros.
Deductions of the Solidarity Contribution are reduced
Exemption and reduction of the Pensioner Solidarity Contribution (EAS) brings for tens of thousands of pensioners the indexation of the reservation scale provided for by the legislative regulation which she revealed in an interview with “ET”. of Sunday (27/10/2024) the Minister of Labor Niki Kerameos.
The EAS scales will increase each year by the same rate of pension increase, so no pensioner who moves up a higher reservation scale because their pension increases will not pay more EAS than the amount they were paying before they got an increase.
For 2025, indexation will be at a rate of 2.5%. This means that the reservation for the first scale will start for pensions from €1,435 and above instead of the current €1,400.
Accordingly, the reservation of the second scale will start from 1,742.5 euros instead of 1,700 euros, etc.
In practice, a pensioner who currently receives 1,410 euros and with the 2.5% increase will receive a pension of 1,445 euros, would have an EAS reservation of 45 euros with the old scale, while with its indexation, the reservation he will pay is only 10 euros.
Price indexation will be done in all three special EAS reservation scales for pensioners under 60 with pensions over 1,700 euros.
Pensioners who are above the limits of the new scales will not benefit as they will continue to have the same reservation rates. For example, a pensioner who currently receives 1,550 euros has a 3% ESA reservation. With the 2025 increase, the pension will rise to 1,589 euros and will continue to have the same EAS reservation of 3%.
What exactly do pensioners who zero out the personal difference gain?
Pensioners who will zero out the personal difference will for the first time get a net increase in their pension after the recalculation of the Katrougalou law where their pension was calculated at a lower amount and to avoid the reductions they continued to receive the same amount of pension with a section to is seen as the personal difference that would gradually decline with pension increases until it is zero. When the increases reach the level of the personal difference then it is zero and the pensioners get a net increase. Zero personal difference therefore means a net increase in the pension seen in the pocket.
WON
The old pensioners with 37 years of insurance and above and mainly with 40 years and high pensionable earnings zeroed out from the first and especially in the second recalculation of the personal difference. With the increases of 2023 and 2024 they have received a cumulative increase of 100 to 200 euros to date.
LOST
The old pensioners who still maintain a large personal difference, more than 200 euros and come from special payrolls of the State, from OAEE-TEBE, and other agencies will wait perhaps more than 3 years to see the personal difference reduced to zero by the annual increases.
Retirees who zero out the personal difference and get a raise in December
| CASH |
Pension 2024 (remunerative + national) |
Balance p. difference after the 2024 increase | Total | Edited Jan. 2025 with an increase of 2.5% | New balance p. difference | Profit in pension after p. difference | ||||||
| Pensions with 35 years of insurance | ||||||||||||
| IKA | 1.169 € | 12€ | 1.181 € | 1.198 € | 0 | 17 € | ||||||
| ETAA – LEGAL FUND | 861 € | 13 € | 874 € | 883 € | 0 | 9 € | ||||||
| NAT | 1.084 € | 5€ | 1.089 € | 1.111 € | 0 | 22 € | ||||||
| OF NATIONAL INSURANCE | 1.484 € | 3 € | 1.487 € | 1.521 € | 0 | 34 € | ||||||
| COOPERATIVE ORGANIZATIONS | 979 € | 8 € | 987 € | 1.003 € | 0 | 16 € | ||||||
| Pensions with 36 years of insurance | ||||||||||||
| IKA | 1.199 € | 8€ | 1.207 € | 1.229 € | 0 | 22 € | ||||||
| COOPERATIVE ORGANIZATIONS | 991 € | 8 € | 999 € | 1.016 € | 0 | 17 € | ||||||
| TSP-ATE | 1.289 € | 10 € | 1.299 € | 1.321 € | 0 | 22 € | ||||||
| SHIPPING AGENTS | 969 € | 20€ | 989 € | 993 € | 0 | 4 € | ||||||
| ETAA – LEGAL FUND | 870 € | 18 € | 888 € | 892 € | 0 | 4 € | ||||||
| OAP-PPC | 1.394 € | 33 € | 1.427 € | 1.429 € | 0 | 2 € | ||||||
| NAT | 1.108 € | 10€ | 1.118 € | 1.136 € | 0 | 18 € | ||||||
| Pensions with 37 years of insurance | ||||||||||||
| TSP-ATE | 1.235 € | 11 € | 1.246 € | 1.266 € | 0 | 20 € | ||||||
| TAP-OTE | 1.191 € | 28 € | 1.219 € | 1.221 € | 0 | 2 € | ||||||
| SHIPPING AGENTS | 1.043 € | 7 € | 1.050 € | 1.069 € | 0 | 19 € | ||||||
| ETAA – LEGAL FUND | 913 € | 23 € | 936 € | 936 € | 0 | 23 € | ||||||
| OAP-PPC | 1.424 € | 33 € | 1.457 € | 1.460 € | 0 | 3 € | ||||||
*Pension amounts after deductions and before tax
The new EAS scales in the main pensions
| EAS reservation | Current pension scale | |
| New pension scale | 3% | 1.400 €-1.700 € |
| 1.435-1742,5 € | 6% | 1.700 €-2.000 € |
| 1.742,5-2.050 € | 7% | 2.000 €-2.300 € |
| 2.050-2.357,5 € | 9% | 2.300 €-2.600 € |
| 2.357,5-2.665 € | 10% | 2.600 €-2.900 € |
| 2.665-2.972,5 € | 12% | 2.900 €-3.200 € |
| 2.972,5-3.280 € | 13% | 3.200 €-3.500 € |
| 3.280-3.587,5 € | 14% | €3,500 and above |
€3,587.5 and above
| Since the increase in pensions is 2.5% | Which pensioners and how much do they benefit from the new scale of the Pensioner Solidarity Contribution (EAS) | Main article today | Book EAS today | Pension with an increase of 2.5% in December | EAS booking with old scale |
| EAS booking with new scale (1/1/2025) | Monthly benefit with new scale | 1.365 € | 0 | 1.399 € | 0 |
| 0 | 0 | 1.370 € | 0 | 1.404 € | 4 € |
| 0 | 4 € | 1.385 € | 0 | 1.420 € | 20 € |
| 0 | 20 € | 1.390 € | 0 | 1.425 € | 25 € |
| 0 | 25 € | 1.395 € | 0 | 1.430 € | 30 € |
| 0 | 30 € | 1.400 € | 0 | 1.435 € | 35 € |
| 0 | 35 € | 1.405 € | 5 € | 1.440 € | 40 € |
| 5 € | 35 € | 1.420 € | 20 € | 1.456 € | 44 € |
| 20 € | 24 € | 1.430 € | 30 € | 1.466 € | 44 € |
| 31 € | 13 € | 1.435 € | 35 € | 1.471 € | 44 € |
| 36 € | 8 € | 1.550 € | 47 € | 1.589 € | 48 € |
| 48 € | 0 | 1.660 € | 50 € | 1.702 € | 102 € |
| 51 € | 51 € | 1.700 € | 51 € | 1.743 € | 105 € |
| 52 € | 52 € | 1.750 € | 105 € | 1.794 € | 108 € |
| 108 € | 0 | 1.980 € | 119 € | 2.030 € | 142 € |
| 122 € | 20 € | 2.860 € | 286 € | 2.932 € | 352 € |
| 293 € | 59 € | 3.150 € | 378 € | 3.229 € | 420 € |
| 387 € | 32 € | 3.540 € | 496 € | 3.629 € | 508 € |
508 €
0
Volcano eruption in Indonesia: Authorities to urgently evacuate 16,000 people from their homes
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