{"id":16566,"date":"2011-05-10T09:14:41","date_gmt":"2011-05-10T07:14:41","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/retraite-demarches-a-effectuer-et-delais-a-respecter.html"},"modified":"2021-12-08T15:11:42","modified_gmt":"2021-12-08T14:11:42","slug":"retraite-demarches-a-effectuer-et-delais-a-respecter","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/retraite-demarches-a-effectuer-et-delais-a-respecter.html","title":{"rendered":"Retraite : d\u00e9marches \u00e0 effectuer et d\u00e9lais \u00e0 respecter"},"content":{"rendered":"

> Demander son relev\u00e9 de carri\u00e8re<\/strong><\/p>\n

C’est la premi\u00e8re d\u00e9marche \u00e0 effectuer. Le relev\u00e9 de carri\u00e8re permet de faire un point pr\u00e9cis sur sa situation. Il faut le demander \u00e0 chacun de ses organismes de retraite (de base et compl\u00e9mentaire). Celui-ci indique les r\u00e9mun\u00e9rations ou revenus soumis \u00e0 cotisations, le nombre de trimestres valid\u00e9s, et le cas \u00e9ch\u00e9ant, les trimestres assimil\u00e9s (maladie, invalidit\u00e9, accident du travail, ch\u00f4mage), qui peuvent \u00eatre pris en compte sous certaines conditions.<\/p>\n

Il est souhaitable de demander ce relev\u00e9 18 \u00e0 24 mois avant la date du d\u00e9part en retraite. Un d\u00e9lai qui permet de proc\u00e9der \u00e0 une \u00e9ventuelle r\u00e9gularisation (contacter un ancien employeur, r\u00e9cup\u00e9rer un document manquant, etc.) en cas d’oubli ou d’erreur.<\/p>\n

> Racheter des trimestres<\/strong><\/p>\n

L’assur\u00e9 conna\u00eet maintenant sa dur\u00e9e d’assurance, c’est-\u00e0-dire le nombre de trimestres de cotisation lui ouvrant droit \u00e0 la retraite, sur la base de son parcours professionnel complet. Il peut racheter jusqu’\u00e0 trois ann\u00e9es d’\u00e9tudes sup\u00e9rieures s’il lui manque des annuit\u00e9s ou, si certaines ann\u00e9es sont incompl\u00e8tes, les compl\u00e9ter par un versement volontaire pour la retraite. Des rachats de points sont \u00e9galement possibles dans les r\u00e9gimes de retraite compl\u00e9mentaire (par exemple \u00e0 l’Arrco et \u00e0 l’Agirc), d\u00e8s lors que les ann\u00e9es ont \u00e9t\u00e9 rachet\u00e9es aupr\u00e8s du r\u00e9gime de base.<\/p>\n

> Demander sa retraite<\/strong><\/p>\n

Une fois la date de d\u00e9part choisie pr\u00e9cis\u00e9ment, l’assur\u00e9 doit \u00e9crire \u00e0 ses caisses pour liquider sa retraite, c’est-\u00e0-dire leur demander de proc\u00e9der au calcul exact de ses droits \u00e0 retraite et d’engager leur mise en paiement. Les formulaires de demande de retraite personnelle sont disponibles dans les organismes de S\u00e9curit\u00e9 sociale, dans les points d’accueil retraite, sur le site de la Caisse nationale d’assurance vieillesse (Cnav).<\/p>\n

– Pour la retraite de base, les salari\u00e9s affili\u00e9s au r\u00e9gime g\u00e9n\u00e9ral, au r\u00e9gime agricole ou au r\u00e9gime des commer\u00e7ants et artisans doivent adresser leur demande de liquidation \u00e0 la derni\u00e8re caisse \u00e0 laquelle ils ont cotis\u00e9. Les salari\u00e9s affili\u00e9s \u00e0 un ou plusieurs autres r\u00e9gimes que ceux pr\u00e9c\u00e9demment cit\u00e9s doivent \u00e9crire \u00e0 chacune des caisses dont ils ont relev\u00e9.<\/p>\n

– Pour toucher la retraite compl\u00e9mentaire, l’exercice des droits \u00e0 la retraite se fait r\u00e9gime par r\u00e9gime. Pour liquider sa retraite Arrco, les salari\u00e9s doivent s’adresser \u00e0 la derni\u00e8re caisse Arrco en date. Pour les cadres, le fonctionnement est le m\u00eame en s’adressant directement \u00e0 une caisse de l’Agirc.<\/p>\n

Pour \u00e9viter toute rupture de paiement, il est g\u00e9n\u00e9ralement n\u00e9cessaire de faire sa demande de liquidation au moins 4 \u00e0 6 mois avant la date souhait\u00e9e.<\/p>\n

> Informer l’employeur<\/strong><\/p>\n

Le salari\u00e9 qui souhaite partir \u00e0 la retraite doit pr\u00e9venir son employeur par courrier recommand\u00e9 et respecter un pr\u00e9avis. Celui-ci commence le plus souvent \u00e0 la date de notification du d\u00e9part \u00e0 l’employeur.<\/p>\n

Il faut respecter un pr\u00e9avis d’un mois, si l’anciennet\u00e9 dans l’entreprise est comprise entre 6 mois et 2 ans, ou un pr\u00e9avis de deux mois, si l’anciennet\u00e9 est sup\u00e9rieure \u00e0 2 ans.<\/p>\n

En savoir plus :
\n>> Reconstituer sa carri\u00e8re<\/a><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

Demander sa retraite n\u00e9cessite de s’y prendre \u00e0 l’avance. Il est ainsi recommand\u00e9 d’envoyer sa demande de liquidation environ six mois avant son d\u00e9part effectif, une fois tous les documents r\u00e9unis. Voici les \u00e9tapes essentielles \u00e0 suivre.<\/p>\n","protected":false},"author":13718,"featured_media":16565,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-16566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-depart-a-la-retraite"],"acf":[],"yoast_head":"\nD\u00e9part en retraite : d\u00e9marches et d\u00e9lais<\/title>\n<meta name=\"description\" content=\"Demander sa retraite n\u00e9cessite de s'y prendre \u00e0 l'avance. Il est ainsi recommand\u00e9 d'envoyer sa demande de liquidation environ six mois avant son d\u00e9part effectif, une fois tous les documents r\u00e9unis. Voici les \u00e9tapes essentielles \u00e0 suivre.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/retraite-demarches-a-effectuer-et-delais-a-respecter.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9part en retraite : d\u00e9marches et d\u00e9lais\" \/>\n<meta property=\"og:description\" content=\"Demander sa retraite n\u00e9cessite de s'y prendre \u00e0 l'avance. Il est ainsi recommand\u00e9 d'envoyer sa demande de liquidation environ six mois avant son d\u00e9part effectif, une fois tous les documents r\u00e9unis. 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