Pensioners: three amplification scenarios and how the memorandums “ate” 164 billion

Before Δεθ The office is preparing a package for pensioners. On the table – cancellation or reduction “Personal difference” (προσωπική διαφορά is a transitional supplement holding a pension at the “old” level after the reform of 2016) and receiving an annual manuals 250 €.

Why is it important

Near 670 thousand Pensioners s “Personal difference” do not receive annual improvements, instead they were accrued Personal difference (100-200 € last year). Solution on “Personal difference” opens or closes the doors to indexations with 2026 years.

Three scenarios (discussed)

1. Complete abolition In 2026: all 670 thousand immediately receive the right to indexation 2026.
2. Cut by 50%: half of the “difference” remains, indexation 2026 is not yet for everyone.
3. Two doses: −50% in 2026 and −50% in 2027 (election year). It gives a predictable horizon to those who have a large “difference”.

How it looks in the wallet

Example: old -age pensioner (Ικα), 25–27 years of experience, receives 883 €“Personal difference” 42 €.

• Khuke: during indexation ~2.4% in 2026 – increase ≈21 €a new payment ~ 904 €.
• –50%: “Difference” remains 21 €; It does not reach indexations in 2026.
• Two doses: the effect is the same, but with a clear schedule; beneficial for those who have the “difference” is very large (before 450 € It is found in the former OAels).

What is happening now without solutions

Even without reforms, some annually “eat” part of the “personal difference” with logistics increase. According to estimates, about 90 thousand per year go to the right of indexations; more 240–250 thousand They can reset “difference” in the next two years. But hundreds of thousands with a big “difference” will be needed 5-10 years.

How much does it cost the budget

• Complete abolition: near 160 million €/year.
• –50%: 80–90 million €/year.
• Preservation of “Personal Difference Manuals”: less than 84 million € (Like last year), because the number of recipients is reduced annually.

Alternative: Expand 250 €

It is discussed in parallel Sitting the criteria For annual payment 250 € (Start – November 2025): Reduce age threshold from 65 to 62 years And raise Income planksTo get support, not only low pensioners could get support.

Current criteria: 65 years; Income to 14,000 € (lonely) and 26,000 € (pair); Real estate value before 200,000 € (lonely) and 300,000 € (pair).

How the memorandums “ate” up to 164 billion € from pensioners

Although the country is formal Outside of memorandums Since August 2018, a number of harsh norms (like a “personal difference” and a contribution of the solidarity of pensioners) are alive. Total losses are estimated in ~ 160–164 billion € For 15 years. The largest 15 cuts:

1. 2010: the abolition of the “thirteenth” and “fourteenth” pensions.
2. 2011: minus 6–10% for all younger than 60 years (depending on the amount of pensions).
3. 2011: A contribution of solidarity 3-14% from pensions from 1,400 € and above; In parallel, the slices of Doppenses.
4. 2011: Slices “New” – before −40% over 1,000 € (younger than 55), and −20% over 1,200 € (55–60); Dopensia −15% … −30% over 150 €.
5. 2012 (II memorandum): new sections of “high” pensions (before −12% over 1,300 €) and dopensii (−10% over 250 €, −15% for 251–300 €, −20% over 300 €).
6. 2012: Cut according to the main amount+dopensia: 1,000–1 500 € €5%; 1 500-2,000 € −10%; 2,000-3,000 € −15%; Over 3,000 € –20%. The abolition of “gifts” and according to Dopensia.
7. 2014: horizontal cut −5.2% All Dopensi.
8. Minus 10% by early sector.
9. 2016 (III memorandum): Dopensiic cuts to −40% u ~ 250 thousand Human.
10. Cancellation Εκας for ~160 thousand Low pensioners with a low pension.
11. -Do 45% According to the dividends of MTPU (μετοχικό ταμείο πολιτικών υπαλλήλων).
12. Katrougalos Law: New Pensions on average on ~ 30% Below the previous calculations.
13. Ceilings: 2,000 € for one main pension and 3,000 € for the amount of several.
14. Tightening pensions in the loss of the breadwinner; –60% To a pension for working pensioners “from the first euro”.

What’s next

The economic block of the government finals the parameters of the packagechoosing between one generous solution and a combination of measures with limited resources. The goal is pragmatic: give a tangible effect to the purse of pensioners without holes in the budget.

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