{"id":20503,"date":"2015-02-20T08:53:14","date_gmt":"2015-02-20T07:53:14","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html"},"modified":"2021-12-08T14:08:40","modified_gmt":"2021-12-08T13:08:40","slug":"l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html","title":{"rendered":"L&rsquo;Agirc-Arrco am\u00e9liore les droits de retraite des handicap\u00e9s"},"content":{"rendered":"<section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Cela peut para\u00eetre paradoxal. Alors que les partenaires sociaux, gestionnaires des r\u00e9gimes compl\u00e9mentaires<a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/arrco-la-retraite-complementaire-des-salaries.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong> Arrco<\/strong> (pour tous les salari\u00e9s) <\/a>et<a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/agirc-la-retraite-complementaire-des-cadres.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong> Agirc<\/strong> (pour les seuls cadres), <\/a>ont d\u00e9marr\u00e9 le 17 f\u00e9vrier 2015 des n\u00e9gociations qui pourraient d\u00e9boucher sur des d\u00e9cisions douloureuses pour restaurer les finances, un projet de circulaire pr\u00e9voit d&rsquo;am\u00e9liorer les droits en mati\u00e8re de retraites compl\u00e9mentaires des personnes handicap\u00e9es.<\/p>\n<p>&nbsp;<\/p>\n<p>Les cadres et non-cadres pr\u00e9sentant une incapacit\u00e9 permanente (<strong>IP<\/strong>) d&rsquo;au moins 50% sont autoris\u00e9s \u00e0 percevoir leurs pensions compl\u00e9mentaires d\u00e8s 55 ans. Pour b\u00e9n\u00e9ficier d&rsquo;une retraite anticip\u00e9e pour handicap, il fallait jusqu&rsquo;ici justifier d&rsquo;une IP d&rsquo;au moins 80% ou de la reconnaissance de la qualit\u00e9 de travailleur handicap\u00e9 (<strong>RQTH<\/strong>), difficile \u00e0 obtenir. Qu&rsquo;ils soient cadres ou non, les salari\u00e9s pr\u00e9sentant une IP d&rsquo;au moins 50% pourront \u00e9galement partir avec une retraite compl\u00e9mentaire \u00e0 taux plein (sans d\u00e9cote) \u00e0 62 ans au lieu de 65.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alignement_sur_le_regime_de_base\"><\/span>Alignement sur le r\u00e9gime de base<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En instaurant ces mesures, les repr\u00e9sentants du patronat et des syndicats n&rsquo;ont fait que s&rsquo;aligner sur les changements introduits dans le r\u00e9gime de base des salari\u00e9s. Comme pr\u00e9vu dans la <strong>derni\u00e8re r\u00e9forme des retraites<\/strong>, le d\u00e9cret du 31 d\u00e9cembre 2014 a nettement am\u00e9lior\u00e9 les droits de retraite des personnes handicap\u00e9es mais aussi des aidants familiaux.<\/p>\n<p>&nbsp;<\/p>\n<p>Dans ces conditions, les administrateurs de l&rsquo;Agirc et l&rsquo;Arrco ont jug\u00e9 qu&rsquo;il aurait \u00e9t\u00e9 compliqu\u00e9 d&rsquo;expliquer aux cadres et non cadres disposant d&rsquo;une IP d&rsquo;au moins 50% qu&rsquo;ils ne pouvaient pas percevoir de retraite compl\u00e9mentaire \u00e0 compter de 55 ans, ni de retraite compl\u00e9mentaire sans d\u00e9cote \u00e0 62 ans.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Abaissement_de_lage_dacces_a_la_retraite_progressive\"><\/span>Abaissement de l&rsquo;\u00e2ge d&rsquo;acc\u00e8s \u00e0 la retraite progressive<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le m\u00eame principe s&rsquo;applique pour la r\u00e9forme de la<strong> retraite progressive<\/strong>. Un d\u00e9cret est paru le 14 d\u00e9cembre 2014, abaissant de 62 \u00e0 60 ans l&rsquo;\u00e2ge d&rsquo;acc\u00e8s \u00e0 ce dispositif permettant aux salari\u00e9s de percevoir une fraction de leur pension tout en travaillant \u00e0 temps partiel. L\u00e0 encore, si la r\u00e9forme de la retraite progressive ne s&rsquo;\u00e9tait pas appliqu\u00e9e aux pensions compl\u00e9mentaires, elle aurait perdu de son int\u00e9r\u00eat. Les retraites compl\u00e9mentaires repr\u00e9sentent environ 30% de la pension totale des non cadres et 60% de celle des cadres.<\/p>\n<p>&nbsp;<\/p>\n<p>Il n&#8217;emp\u00eache, les d\u00e9cisions des conseils d&rsquo;administration de l&rsquo;Agirc et de l&rsquo;Arrco peuvent \u00e9tonner alors que les deux r\u00e9gimes devraient accuser un d\u00e9ficit cumul\u00e9 de 7 milliards d&rsquo;euros en 2020 et que les r\u00e9serves de l&rsquo;Agirc pourraient, si rien n&rsquo;est fait, \u00eatre \u00e9puis\u00e9es d\u00e8s 2018. En r\u00e9alit\u00e9, elles illustrent bien l&rsquo;alignement traditionnel des r\u00e9gimes compl\u00e9mentaires, officiellement ind\u00e9pendants, sur le r\u00e9gime de base dont les param\u00e8tres peuvent \u00eatre modifi\u00e9s \u00e0 sa guise par l&rsquo;Etat. Ce fut notamment le cas lorsque Fran\u00e7ois Mitterrand a abaiss\u00e9 l&rsquo;\u00e2ge de d\u00e9part \u00e0 la retraite de 65 \u00e0 60 ans. Dans son rapport rendu public le 18 d\u00e9cembre 2014, la<strong> Cour des comptes<\/strong> a d&rsquo;ailleurs point\u00e9 le \u00ab suivisme \u00bb des r\u00e9gimes de retraite compl\u00e9mentaire qui, au final, leur co\u00fbte bien cher.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Les conseils d&rsquo;administration des r\u00e9gimes compl\u00e9mentaires ont d\u00e9cid\u00e9 d&rsquo;autoriser les cadres et non cadres pr\u00e9sentant un handicap \u00e0 b\u00e9n\u00e9ficier d&rsquo;une retraite anticip\u00e9e \u00e0 55 ans et d&rsquo;une retraite pleine \u00e0 62 ans. Des d\u00e9cisions qui peuvent \u00e9tonner alors que l&rsquo;Agirc et l&rsquo;Arrco sont dans une passe difficile. \u00a0  \u00a0<\/p>\n","protected":false},"author":13713,"featured_media":20502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-20503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite-complementaire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L&#039;Agirc-Arrco am\u00e9liore les droits de retraite des handicap\u00e9s<\/title>\n<meta name=\"description\" content=\"Les conseils d&#039;administration des r\u00e9gimes compl\u00e9mentaires ont d\u00e9cid\u00e9 d&#039;autoriser les cadres et non cadres pr\u00e9sentant un handicap \u00e0 b\u00e9n\u00e9ficier d&#039;une retraite anticip\u00e9e \u00e0 55 ans et d&#039;une retraite pleine \u00e0 62 ans. 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Des d\u00e9cisions qui peuvent \u00e9tonner alors\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html\" \/>\n<meta property=\"og:site_name\" content=\"Retraite\" \/>\n<meta property=\"article:published_time\" content=\"2015-02-20T07:53:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-08T13:08:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/retraite\/wp-content\/uploads\/sites\/4\/2015\/02\/handicap-fotolia.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"823\" \/>\n\t<meta property=\"og:image:height\" content=\"463\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jean-Philippe Dubosc\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:site\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean-Philippe Dubosc\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html\"},\"author\":{\"name\":\"Jean-Philippe Dubosc\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/#\/schema\/person\/addc9e9b3978fa7947ead71bab57694c\"},\"headline\":\"L&rsquo;Agirc-Arrco am\u00e9liore les droits de retraite des handicap\u00e9s\",\"dateModified\":\"2021-12-08T13:08:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html\"},\"wordCount\":570,\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/wp-content\/uploads\/sites\/4\/2015\/02\/handicap-fotolia.jpg\",\"articleSection\":[\"Retraite compl\u00e9mentaire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html\",\"name\":\"L'Agirc-Arrco am\u00e9liore les droits de retraite des handicap\u00e9s\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/l-agirc-arrco-ameliore-les-droits-de-retraite-des-handicapes.html#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/retraite\/wp-content\/uploads\/sites\/4\/2015\/02\/handicap-fotolia.jpg\",\"dateModified\":\"2021-12-08T13:08:40+00:00\",\"description\":\"Les conseils d\\\\'administration des r\u00e9gimes compl\u00e9mentaires ont d\u00e9cid\u00e9 d\\\\'autoriser les cadres et non cadres pr\u00e9sentant un handicap \u00e0 b\u00e9n\u00e9ficier d\\\\'une retraite anticip\u00e9e \u00e0 55 ans et d\\\\'une retraite pleine \u00e0 62 ans. 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