{"id":21128,"date":"2015-12-21T13:05:00","date_gmt":"2015-12-21T12:05:00","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/trimestre-valide-reversion-les-baremes-de-retraite-pour-2017.html"},"modified":"2024-12-27T21:12:28","modified_gmt":"2024-12-27T20:12:28","slug":"trimestre-valide-reversion-les-baremes-de-retraite-pour-2017","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/trimestre-valide-reversion-les-baremes-de-retraite-pour-2017.html","title":{"rendered":"Trimestre valid\u00e9, r\u00e9version, les bar\u00e8mes de retraite pour 2025"},"content":{"rendered":"

<\/span>Le salaire permettant de valider un trimestre<\/span><\/h2>\n

Dans le secteur priv\u00e9, il faut gagner l’\u00e9quivalent de 150 heures pay\u00e9es au Smic<\/a> pour valider un trimestre de cotisation \u00e0 la retraite de base. Avec un Smic horaire fix\u00e9 \u00e0 11,88 euros bruts au 1er janvier 2025, un salaire de 1.782\u00a0euros<\/strong> brut permet de valider un trimestre de cotisation vieillesse cette ann\u00e9e.<\/p>\n

Pour se voir octroyer une annuit\u00e9 compl\u00e8te de cotisation, soit quatre trimestres dans l’ann\u00e9e, une r\u00e9mun\u00e9ration annuelle brute d’au moins 7.128 euros<\/strong> brut (1.782 euros x 4) est n\u00e9cessaire en 2025.<\/p>\n

<\/span>Les plafonds de r\u00e9version<\/span><\/h2>\n

Les pensions de r\u00e9version<\/a> sont attribu\u00e9es aux conjoints survivants sous conditions de ressources dans les r\u00e9gimes de retraite de base du secteur priv\u00e9 (Assurance retraite, MSA). Les revenus annuels du veuf ou de la veuve ne doivent pas exc\u00e9der 2.080 fois le Smic horaire. Ce qui \u00e9quivaut \u00e0 24.710,40 euros<\/strong> en 2025.<\/p>\n

Si le veuf ou la veuve vit en couple, le plafond annuel de ressources du m\u00e9nage ne peut d\u00e9passer 1,6 fois le plafond exig\u00e9 pour une personne seule. C’est-\u00e0-dire 39.536,64 euros<\/strong> en 2025.<\/p>\n

<\/span>Le plafond du minimum contributif<\/span><\/h2>\n

Dans le secteur priv\u00e9, les assur\u00e9s qui ont atteint l’\u00e2ge l\u00e9gal de d\u00e9part \u00e0 la retraite<\/a> (de 62 \u00e0 64 ans) et qui disposent du nombre de trimestres de cotisation demand\u00e9 dans leur g\u00e9n\u00e9ration b\u00e9n\u00e9ficient du minimum contributif<\/a> (ou MICO<\/strong>). Ce dispositif correspond \u00e0 une retraite plancher.<\/p>\n

Si le revenu cumul\u00e9 des pensions de base et compl\u00e9mentaires n’atteint pas un certain plafond, le minimum contributif vient le compl\u00e9ter. Le montant cumul\u00e9 \u00e9tant revaloris\u00e9 sur la base du Smic, il atteint \u00e0 1.394,86 euros<\/strong> depuis le 1er janvier 2025.<\/p>\n

<\/span>Le cumul minimum vieillesse-activit\u00e9<\/span><\/h2>\n

Depuis le 1er janvier 2015, les b\u00e9n\u00e9ficiaires de l’allocation de solidarit\u00e9 aux personnes \u00e2g\u00e9es<\/a> (Aspa<\/strong>), qui a remplac\u00e9 le minimum vieillesse, sont autoris\u00e9s \u00e0 cumuler l’Aspa et un revenu d’activit\u00e9. Le montant cumul\u00e9 ne peut \u00eatre sup\u00e9rieur \u00e0 0,9 fois le Smic pour un c\u00e9libataire et \u00e0 1,5 fois le Smic pour une personne vivant en couple. Soit, par mois en 2025, 1.621,62 euros<\/strong> dans le premier cas et 2.702,70<\/strong> euros<\/strong> pour le second.<\/p>\n

<\/span>L’assurance volontaire des parents au foyer<\/span><\/h2>\n

Les p\u00e8res ou les m\u00e8res qui ne travaillent pas pour \u00e9lever leurs enfants ont la possibilit\u00e9 de cotiser volontairement \u00e0 la retraite via l’Assurance volontaire des parents au foyer (AVPF<\/strong>). La cotisation due au titre de l’AVPF est calcul\u00e9e sur la base d’une assiette forfaitaire \u00e9gale, par mois, \u00e0 169 fois le salaire horaire minimum en vigueur au 1er juillet de l’ann\u00e9e civile pr\u00e9c\u00e9dente. L’assiette forfaitaire mensuelle applicable en 2025 au titre de l’AVPF s’\u00e9l\u00e8ve ainsi \u00e0 1.968,85 euros<\/strong>.<\/p>\n

<\/span>L’assurance volontaire des charg\u00e9s de famille<\/span><\/h2>\n

Les parents charg\u00e9s de famille qui ne sont pas affili\u00e9s \u00e0 un r\u00e9gime de retraite obligatoire peuvent, sous certaines conditions, s’assurer contre ce risque. Leur assiette trimestrielle de cotisation est \u00e9gale \u00e0 507 fois le Smic horaire. Elle est ainsi fix\u00e9e \u00e0 6.023 euros<\/strong> en 2025. Avec un taux de cotisation de 17,87%, le montant de la cotisation trimestrielle est fix\u00e9 \u00e0 1.076 euros<\/strong> depuis le 1er janvier 2025.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le montant du Smic a un impact sur plusieurs dispositifs ayant trait \u00e0 la retraite, calcul\u00e9s \u00e0 partir du salaire minimum.<\/p>\n","protected":false},"author":13713,"featured_media":27256,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-21128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droits-a-la-retraite"],"acf":[],"yoast_head":"\nTrimestre valid\u00e9, r\u00e9version, les bar\u00e8mes de retraite pour 2025<\/title>\n<meta name=\"description\" content=\"Le montant du Smic a un impact sur plusieurs dispositifs ayant trait \u00e0 la retraite, calcul\u00e9s \u00e0 partir du salaire minimum.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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