{"id":193,"date":"2023-05-09T15:38:57","date_gmt":"2023-05-09T13:38:57","guid":{"rendered":"http:\/\/www.futureo.fr\/?p=193"},"modified":"2023-05-09T15:38:57","modified_gmt":"2023-05-09T13:38:57","slug":"le-point-sur-la-liquidation-de-retraite","status":"publish","type":"post","link":"https:\/\/www.futureo.fr\/le-point-sur-la-liquidation-de-retraite\/","title":{"rendered":"Le point sur la liquidation de retraite"},"content":{"rendered":"

Vous allez bient\u00f4t partir \u00e0 la retraite et vous vous demandez comment r\u00e9cup\u00e9rer toutes les cotisations faites aupr\u00e8s des diff\u00e9rents r\u00e9gimes de retraite ? Dans cet article, vous allez tout savoir sur la liquidation de retraite.<\/p>\n

<\/p>\n

Concr\u00e8tement, la liquidation de retraite, qu’est-ce que c’est ?<\/h2>\n

\"\"<\/p>\n

La liquidation de retraite<\/a> est une op\u00e9ration qui a pour but de faire valoir vos droits \u00e0 la retraite aupr\u00e8s des caisses de retraite auxquelles vous avez cotis\u00e9 lorsque vous travaillez. En d’autres termes, vous demandez de percevoir les pensions correspondantes \u00e0 vos cotisations.<\/p>\n

Vous pouvez liquider votre retraite d\u00e8s que vous aurez atteint l’\u00e2ge l\u00e9gal de 62 ans. Vous pouvez partir apr\u00e8s ou d\u00e8s l’atteinte de l’\u00e2ge l\u00e9gal. Mais sachez que l’\u00e2ge auquel vous cessez de travailler a un impact sur le montant de votre retraite. Car ce montant d\u00e9pend de vos revenus d’activit\u00e9 per\u00e7us et de la dur\u00e9e de votre carri\u00e8re.<\/p>\n

Bien s\u00fbr, vous pouvez demander une retraite anticip\u00e9e si vous r\u00e9pondez aux exigences suivantes :<\/p>\n

\u2022Avoir travaill\u00e9 avant l’\u00e2ge de 20 ans. La demande de retraite anticip\u00e9e peut \u00eatre faite si vous avez atteint l’\u00e2ge minimum pour demander une retraite anticip\u00e9e, si vous avez acquis le nombre de trimestres cotis\u00e9s demand\u00e9
\n\u2022\u00catre en situation de handicap
\n\u2022\u00catre en incapacit\u00e9 permanente suite \u00e0 un accident du travail ou d’une maladie professionnelle<\/p>\n

La d\u00e9marche \u00e0 suivre pour une liquidation de retraite<\/h2>\n

\"\"<\/p>\n

Pour partir en retraite, il suffit d’en faire la demande unique en ligne sur le site Inforetraite. Pour faire la demande, il faut tout d’abord cr\u00e9er un compte retraite sur le site<\/a>. Il est recommand\u00e9 de faire la demande six mois avant la date de d\u00e9part \u00e0 la retraite. Votre demande sera transmise automatiquement \u00e0 l’assurance retraite de la s\u00e9curit\u00e9 sociale et \u00e0 l’Agirc-Arrco car en tant que salari\u00e9 du secteur priv\u00e9, ce sont les cotisations obligatoires. Vous devez aussi pr\u00e9venir votre employeur de votre d\u00e9part.<\/p>\n

L’assurance retraite de la S\u00e9curit\u00e9 Sociale est la retraite de base, tandis que l’Agirc-Arrco, c’est la retraite compl\u00e9mentaire. Cette derni\u00e8re concerne presque tous les salari\u00e9s de l’industrie, du commerce et des services, de l’agriculture. Elle se calcule par point, donc les cotisations que vous avez vers\u00e9es seront converties en points. Une fois que vous serez \u00e0 la retraite, les points seront reconvertis \u00e0 leur tour en pension. Si vous faire une retraite anticip\u00e9e, pour toucher la retraite compl\u00e9mentaire, il faut au moins avoir 57 ans.<\/p>\n

Autre point, si vous avez travaill\u00e9 sous d’autres statuts, n’appartenant pas au secteur priv\u00e9 comme le statut de commer\u00e7ant, d’agent public ou autres, votre demande de partir en retraite sera \u00e9galement transmise \u00e0 tous les r\u00e9gimes auxquels vous avez cotis\u00e9s.<\/p>\n

Comment est calcul\u00e9e la retraite ?<\/h2>\n

\"\"<\/p>\n

Le calcul du montant de la retraite tient compte de votre revenu annuel moyen, du taux qui lui est appliqu\u00e9 et de la dur\u00e9e de votre assurance pour les activit\u00e9s que vous avez exerc\u00e9es. Que ce soit en tant que salari\u00e9, en tant que salari\u00e9 agricole, en tant qu’artisan ou en tant que commer\u00e7ant. Pour le calcul du revenu annuel moyen, il se fera sur la moyenne des 25 meilleurs revenus d’activit\u00e9s annuels faits au cours de votre carri\u00e8re.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vous allez bient\u00f4t partir \u00e0 la retraite et vous vous demandez comment r\u00e9cup\u00e9rer toutes les cotisations faites aupr\u00e8s des diff\u00e9rents r\u00e9gimes de retraite ? Dans cet article, vous allez tout savoir sur la liquidation de retraite.<\/p>\n","protected":false},"author":1,"featured_media":194,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"yoast_head":"\nLe point sur la liquidation de retraite - Futureo.fr<\/title>\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.futureo.fr\/le-point-sur-la-liquidation-de-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le point sur la liquidation de retraite - Futureo.fr\" \/>\n<meta property=\"og:description\" content=\"Vous allez bient\u00f4t partir \u00e0 la retraite et vous vous demandez comment r\u00e9cup\u00e9rer toutes les cotisations faites aupr\u00e8s des diff\u00e9rents r\u00e9gimes de retraite ? 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