{"id":21413,"date":"2016-06-24T08:49:34","date_gmt":"2016-06-24T06:49:34","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/la-retraite-a-taux-plein-a-65-ans-c-est-fini.html"},"modified":"2021-12-08T14:13:40","modified_gmt":"2021-12-08T13:13:40","slug":"la-retraite-a-taux-plein-a-65-ans-c-est-fini","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/la-retraite-a-taux-plein-a-65-ans-c-est-fini.html","title":{"rendered":"La retraite \u00e0 taux plein \u00e0 65 ans, c’est fini !"},"content":{"rendered":"

Le compte \u00e0 rebours a commenc\u00e9. A compter du 1er juillet 2016 et jusqu’au 1er janvier 2022, l’\u00e2ge de retraite \u00e0 taux plein<\/a> va progressivement passer de 65 \u00e0 67 ans. Cette borne d’\u00e2ge, \u00e9galement appel\u00e9e \u00ab \u00e2ge d’annulation de la d\u00e9cote \u00bb, permet de toucher une retraite de base sans abattement m\u00eame si l’on ne dispose pas de tous ses trimestres de cotisation.<\/p>\n

Si l’assur\u00e9 liquide ses droits \u00e0 l’\u00e2ge l\u00e9gal de d\u00e9part (62 ans \u00e0 partir de 2017) sans justifier du nombre de trimestres requis dans sa classe d’\u00e2ge, sa pension de base sera minor\u00e9e de 1,25% par trimestres manquant, dans la limite de 25% (20 trimestres). Pire : en cas de d\u00e9cote au r\u00e9gime de base<\/a>, un \u00ab coefficient de minoration \u00bb s’applique sur les retraites compl\u00e9mentaires Arrco<\/strong> (pour tous les salari\u00e9s<\/a>) et Agirc<\/strong> (pour les seuls cadres<\/a>).<\/p>\n

Pas de minoration sur les pensions compl\u00e9mentaires<\/h2>\n

Si l’assur\u00e9 reporte son d\u00e9part \u00e0 l’\u00e2ge de retraite \u00e0 taux plein, la d\u00e9cote est alors automatiquement supprim\u00e9e sur la pension de base ainsi que le coefficient de minoration sur les pensions compl\u00e9mentaires. Le montant de la retraite de base ne sera, toutefois, pas \u00e9quivalent \u00e0 celui qu’il aurait \u00e9t\u00e9 si l’assur\u00e9 avait dispos\u00e9 de tous ses trimestres. Le nombre de trimestres cotis\u00e9s et \u00ab assimil\u00e9s \u00bb (octroy\u00e9s au titre de la maternit\u00e9, du service militaire, de la maladie ou du ch\u00f4mage) est en effet pris en compte dans le calcul de la pension de base.<\/p>\n

A noter : le \u00ab malus \u00bb, qui va entrer en vigueur \u00e0 compter de 2019 sur les retraites Arrco et Agirc pour les salari\u00e9s n\u00e9s depuis 1957 et qui disposent du nombre de trimestres demand\u00e9, sera \u00e9galement supprim\u00e9 \u00e0 partir de l’\u00e2ge \u00e0 taux plein. Les cadres et non cadres qui partiront \u00e0 67 ans n’auront donc pas, quoi qu’il arrive, \u00e0 supporter le \u00ab coefficient de solidarit\u00e9 \u00bb, qui \u00e9quivaut \u00e0 une baisse de 10% durant trois ans de leurs pensions compl\u00e9mentaires.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Ages d\u2019annulation automatique de la d\u00e9cote<\/span><\/th>\n<\/tr>\n<\/thead>\n
Date de naissance\u00a0<\/strong><\/td>\nAge de retraite \u00e0 taux plein<\/strong><\/td>\n<\/tr>\n
Avant le 1er juillet 1951<\/td>\n65 ans<\/td>\n<\/tr>\n
Entre le 1er juillet et le 31 d\u00e9cembre 1951<\/td>\n65 ans et 4 mois<\/td>\n<\/tr>\n
1952<\/td>\n65 ans et 9 mois<\/td>\n<\/tr>\n
1953<\/td>\n66 ans et 2 mois<\/td>\n<\/tr>\n
1954<\/td>\n66 ans et 7 mois<\/td>\n<\/tr>\n
A partir de 1955<\/td>\n67 ans<\/td>\n<\/tr>\n
Source\u00a0: loi du 21 d\u00e9cembre 2011 de financement de la S\u00e9curit\u00e9 sociale pour 2012<\/em><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


\nA lire \u00e9galement :<\/strong><\/p>\n

Cotisations, \u00e9pargne : comment bien pr\u00e9parer sa retraite<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

A compter du 1er juillet 2016, l’\u00e2ge de d\u00e9part pour toucher une pension sans d\u00e9cote est progressivement d\u00e9cal\u00e9 de deux ans pour atteindre 67 ans en 2022.\u00a0 \u00a0<\/p>\n","protected":false},"author":13713,"featured_media":21412,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-21413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-depart-a-la-retraite"],"acf":[],"yoast_head":"\nLa retraite \u00e0 taux plein \u00e0 65 ans, c'est fini !<\/title>\n<meta name=\"description\" content=\"A compter du 1er juillet 2016, l'\u00e2ge de d\u00e9part pour toucher une pension sans d\u00e9cote est progressivement d\u00e9cal\u00e9 de deux ans pour atteindre 67 ans en 2022.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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