{"id":20507,"date":"2015-02-23T07:48:36","date_gmt":"2015-02-23T06:48:36","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/retraite-complementaire-une-pension-differente-de-la-retraite-de-base.html"},"modified":"2021-12-08T15:11:02","modified_gmt":"2021-12-08T14:11:02","slug":"retraite-complementaire-une-pension-differente-de-la-retraite-de-base","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/retraite-complementaire-une-pension-differente-de-la-retraite-de-base.html","title":{"rendered":"Retraite compl\u00e9mentaire, une pension diff\u00e9rente de la retraite de base"},"content":{"rendered":"

Il y a retraite et retraite. Les salari\u00e9s et cadres du priv\u00e9 touchent une retraite compl\u00e9mentaire servie par l’Agirc (cadres)<\/strong><\/a> ou l’Arrco (tous salari\u00e9s)<\/a><\/strong>, en plus de la pension de base vers\u00e9e par l’assurance vieillesse. Deux pensions aux calculs et versements distincts. Explications.<\/p>\n

<\/span>– Des points plut\u00f4t que des trimestres<\/span><\/h2>\n

Premi\u00e8re diff\u00e9rence fondamentale, les actifs ne cotisent pas de la m\u00eame mani\u00e8re entre la pension de base et la retraite compl\u00e9mentaire. Dans le r\u00e9gime g\u00e9n\u00e9ral des salari\u00e9s, les cotisations sont calcul\u00e9es par trimestres<\/strong><\/a> et annuit\u00e9s : il faut atteindre un certain nombre de trimestres, variable selon l’ann\u00e9e de naissance, pour obtenir une pension \u00e0 taux plein.<\/p>\n

Les pensions des r\u00e9gimes Agirc et Arrco sont quant \u00e0 elles calcul\u00e9es sur la base de points, accumul\u00e9s par les actifs au fil de leurs cotisations. Plus pr\u00e9cis\u00e9ment, le nombre de points est obtenu en multipliant l’assiette de cotisations (salaires, indemnit\u00e9s) par le taux d’acquisition des points et en divisant le tout par le prix d’achat du point.<\/p>\n

Jusqu’au 1er avril 2015, les prix d’achat des points Arrco et Agirc sont fix\u00e9s respectivement \u00e0 15,2589 et 5,3075 euros.<\/p>\n

Important :<\/strong> Pour faciliter vos d\u00e9marches de d\u00e9part en retraite, veillez \u00e0 bien conserver vos relev\u00e9s de points.<\/p>\n

<\/span>– Deux formules de calcul distinctes<\/span><\/h2>\n

De fait, le calcul des pensions est tr\u00e8s diff\u00e9rent entre la retraite de base et les pensions compl\u00e9mentaires. Dans le r\u00e9gime g\u00e9n\u00e9ral, une formule de calcul est utilis\u00e9e pour d\u00e9termin\u00e9 le montant vers\u00e9, \u00e0 savoir :<\/p>\n

Salaire annuel moyen x Taux de la pension (50% maximum) x (Dur\u00e9e de cotisation\/Dur\u00e9e de cotisation exig\u00e9e pour obtenir une pension \u00e0 taux plein)<\/em><\/p>\n

 <\/p>\n

Dans ce sc\u00e9nario (retraite du priv\u00e9), le salaire moyen annuel est calcul\u00e9 sur la base des 25 meilleures ann\u00e9es de carri\u00e8re.<\/p>\n

Dans les r\u00e9gimes Agirc et Arrco, le total des points obtenu en fin de carri\u00e8re, au moment de la liquidation des droits, est multipli\u00e9 par la valeur de ceux-ci au moment du d\u00e9part en retraite.<\/p>\n

Jusqu’au 1er avril 2015, le point de service Arrco vaut 1,2513 euro. Le point de service Agirc est fix\u00e9 quant \u00e0 lui \u00e0 0,4352 euro.<\/p>\n

<\/span>– Des pensions vers\u00e9es chaque mois<\/span><\/h2>\n

En revanche, retraites de base et compl\u00e9mentaires pr\u00e9sentent d\u00e9sormais un point commun : elles sont toutes deux vers\u00e9es chaque mois aux retrait\u00e9s. Les pensions Agirc et Arrco \u00e9taient distribu\u00e9es chaque trimestre jusqu’\u00e0 la fin de l’ann\u00e9e 2013.<\/p>\n

N\u00e9anmoins, les versements ne sont pas effectu\u00e9s exactement aux m\u00eames dates. Les retraites compl\u00e9mentaires sont touch\u00e9es dans les tout premiers jours du mois (du 1er au 4 en 2015). Les pensions de base sont quant \u00e0 elles vers\u00e9es trois \u00e0 huit jours apr\u00e8s (le 10 du mois au plus tard en 2015). Pour en savoir plus, ne manquez pas le calendrier 2015 des versements de pensions de retraite<\/strong><\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

Tout le monde ne le sait pas, mais les retraites compl\u00e9mentaires du priv\u00e9, vers\u00e9es par l’Agirc et l’Arrco, sont calcul\u00e9es selon des param\u00e8tres tr\u00e8s diff\u00e9rents de ceux retenus par l’assurance vieillesse. D\u00e9cryptage du calcul d’une pension de retraite compl\u00e9mentaire d’un cadre ou salari\u00e9 du priv\u00e9. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":20506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-20507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pension-de-retraite"],"acf":[],"yoast_head":"\nRetraite compl\u00e9mentaire, une pension diff\u00e9rente de la retraite de base<\/title>\n<meta name=\"description\" content=\"Tout le monde ne le sait pas, mais les retraites compl\u00e9mentaires du priv\u00e9, vers\u00e9es par l'Agirc et l'Arrco, sont calcul\u00e9es selon des param\u00e8tres tr\u00e8s diff\u00e9rents de ceux retenus par l'assurance vieillesse. 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