Epargne salariale : déblocage anticipé jusqu’à 10 000 euros, ce qu’il faut savoir


Employee savings will be more easily released until the end of 2022. (© Olivier Le Moal / Adobe Stock)

Within the framework of the two packages of measures in favor of purchasing power, voted very recently by Parliament, several impulses have been granted. Among them, the early release of employee savings up to 10,000 euros.

Some 9.5 million people with employee savings may be affected in France and exceptionally release their funds to deal with inflation and price increases of all kinds.

What exactly is employee savings?

Employee savings is “a collective savings system established within certain companies”, recalls the service-public.fr site.

When the company offers a “bonus linked to the company’s results (profit sharing) or representing a part of its profits (profit sharing)”, the worker can, according to his choice, directly obtain this bonus, which be paid, or put into an employee savings plan.

The company may offer several types of savings for employees:

  • A company savings plan (PEE), which allows “buying securities with the help of the company”.
  • A collective retirement savings plan (Perco), which allows employees to block their savings until retirement, in order to have a supplementary pension. From 1Ahem October 2020, the Perco can no longer be installed in companies, but it is still possible to deposit funds into it or transform it into a PER.
  • Retirement savings plan (PER): it is the new retirement savings plan that also allows you to accumulate a supplement. Its goal is to replace all other existing savings plans, including Perco.

What changed?

Every year, in companies that offer savings plans for employees, the employee receives a letter informing him of the amount from which he benefits, to be received directly or placed in your employee savings account. In the latter case, the employee leaves an amount in an account that varies according to the company, for an average period of five years (this varies according to the savings plan).

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We could already do it in some cases

Until then, it was only possible to request the early release of employee savings for certain reasons: termination of the employment contract (dismissal or resignation), death, disability, domestic violence, over-indebtedness, marriage-divorce, birth, home purchase… In In this case, the sums resulting from early release are “exempt from income tax, but are subject to social security contributions”, recalls service-public.fr.

With the new measure adopted by Parliament, Employees can now unlock their employee savings at any time, up to December 31, 2022, up to a limit of €10,000.

Once again, the amounts recovered will not be taxed, and this time they will not be subject to social security contributions (at the current rate of 17.20%).

A way to return purchasing power to some “9.5 million employees who have access in 2020 to at least one profit-sharing, profit-sharing or employee savings plan,” according to Dares.

To release these funds, in one fell swoop, you need to approach your company. Note that collective retirement savings plans (Perco) are not eligible for the device, as if their savings were “assigned to funds invested in solidarity companies”.

keep evidence

The measure will be applicable from the publication of the law in official diary.

And precision: if the request for release can be made at any time until December 31, 2022, the money recovered must still be used for “the purchase of one or more goods or the provision of one or more services”, specifies the measure taken.

The employee must maintain “available [du fisc] supporting documents that prove the use of the released sums”.

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