The AT-MP reform, which comes into effect in 2026, redesigns the entire compensation system, with a timeline that varies depending on the affiliation scheme and application decrees still awaited. Understanding what changes concretely requires examining the dates, the new calculation methods, and the steps to anticipate.
General Scheme and MSA: Two Distinct Timelines for the Elimination of Partial Buyout
The least commented friction point of this reform concerns the gap between the two main schemes. The elimination of partial buyout applies from January 1, 2026 for new claims under the general scheme. For the agricultural scheme (MSA), this same elimination will only take effect on January 1, 2027.
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This one-year gap creates an asymmetrical situation: an agricultural worker who suffers a work accident in 2026 remains theoretically eligible for the partial buyout of their pension, while a worker under the general scheme in the same situation is no longer eligible. For multi-scheme employers and benefit managers, this window requires particular vigilance regarding the affiliation scheme of each case.
Those who wish to know everything about the buyout of work accident pensions in 2026 must take this timeline distinction into account before taking any steps, as the rights granted depend directly on the date of the accident and the relevant scheme.
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| Criterion | General Scheme | Agricultural Scheme (MSA) |
|---|---|---|
| Date of elimination of partial buyout | January 1, 2026 | January 1, 2027 |
| Previous claims | Acquired rights maintained | Acquired rights maintained |
| New substitution mechanism | Capitalization (terms by decree) | Capitalization (terms by decree) |
| Medical scales | New scales to be published | New scales to be published |
Capitalization of Low Disability Rates: What Replaces the AT-MP Pension Buyout
The reform does not merely eliminate a right. It introduces a capitalization mechanism intended to replace the former partial buyout, specifically targeting the lowest permanent disability rates.
The old system allowed victims whose partial permanent disability exceeded a certain threshold to convert part of their pension amount into capital. The new system provides for a capitalization whose calculation parameters are yet to be defined by decree. Three elements will determine the amount:
- The capitalization scales, which will set the conversion coefficients between pension and capital based on age and disability rate
- The medical parameters, with the introduction of new scales for evaluating permanent functional deficits
- The economic parameters, which will incorporate actuarial variables to adjust the capital paid
Compensation itself is now divided into two distinct components: a professional part (related to loss of income) and a personal part (repairing the permanent functional deficit). This separation ends the historical ambiguity of the AT-MP pension, which mixed these two dimensions into a single amount.
AT-MP 2026 Application Decrees: Concrete Steps Remain Pending
The law sets the framework. The application decrees, expected in 2026, will determine the practical modalities. Without these regulatory texts, several operational questions remain unanswered.
Victims of work accidents occurring before the effective date retain their acquired rights. However, for new claims, no buyout process can be initiated until the capitalization scales are published. This transitional period places victims and their advisors in a state of waiting.
For professionals in insurance and wealth management, the reform also modifies support strategies. Complementary insurance contracts that included partial buyout as a cash flow lever will need to be revised. The parameters of the new calculation, once known, will directly influence the level of complementary coverage to recommend.
Points of Caution for Insured Individuals in 2026
- Check your affiliation scheme (general scheme or MSA) to determine the exact date of elimination of the buyout
- Keep all medical and administrative documents related to the accident or occupational disease, as the new medical scales may alter the assessment of the disability rate
- Monitor the publication of application decrees, the only texts that will specify the amounts and conditions of capitalization
- Consult your primary health insurance fund or MSA fund to know the treatment applicable to your case based on the date of the accident
AT-MP Compensation Reform: The Question of Permanent Functional Deficit
The introduction of new medical scales to assess permanent functional deficit is the technical pivot of the reform. Until now, the AT-MP pension did not clearly distinguish between the compensation for personal injury and the compensation for loss of professional earnings.
The shift from a single flat-rate system to a two-component compensation changes the calculation logic. The professional part will be indexed to salary, while the personal part will be based on the medical scale of functional deficit. For victims with a low disability rate, the capitalization mechanism will replace the periodic pension with a capital payment.
The AT-MP 2026 reform redefines the rules for the buyout of work accident pensions without all operational parameters yet being known. The gap between the general scheme and the MSA, the pending application decrees, and the new medical scales are three variables to monitor. Affected insured individuals should document their medical and administrative situation now, before the new calculations come into effect.