{"id":9903,"date":"2019-12-26T00:00:00","date_gmt":"2019-12-26T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/point-reforme-retraite\/"},"modified":"2019-12-26T00:00:00","modified_gmt":"2019-12-26T00:00:00","slug":"point-reforme-retraite","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/point-reforme-retraite\/","title":{"rendered":"R\u00e9forme des retraites : o\u00f9 en est-on ?"},"content":{"rendered":"<p>Malgr\u00e9 d\u2019importants mouvements sociaux, le gouvernement semble tenir le cap dans son projet de r\u00e9former le syst\u00e8me de retraite fran\u00e7ais. Une r\u00e9forme dont les modalit\u00e9s ont \u00e9t\u00e9 pr\u00e9cis\u00e9es dans un dossier de presse dat\u00e9 du 11\u00a0d\u00e9cembre\u00a02019. Passage en revue des principales caract\u00e9ristiques du futur syst\u00e8me universel de retraite.<\/p>\n<blockquote><p>Pr\u00e9cision\u00a0:\u00a0le projet de loi de cette r\u00e9forme devrait \u00eatre pr\u00e9sent\u00e9 en conseil des ministres fin janvier\u00a02020, examin\u00e9 par l\u2019Assembl\u00e9e nationale fin f\u00e9vrier\u00a02020 et vot\u00e9 d\u2019ici l\u2019\u00e9t\u00e9\u00a02020.<\/p><\/blockquote>\n<h2>\u00c0 bas les trimestres, vive les points\u00a0!<\/h2>\n<p>Le syst\u00e8me universel de retraite, qui regrouperait les 42\u00a0r\u00e9gimes existants (r\u00e9gime g\u00e9n\u00e9ral de la S\u00e9curit\u00e9 sociale, r\u00e9gimes sp\u00e9ciaux\u2026) fonctionnerait par points. Des points qui auraient la m\u00eame valeur pour chaque Fran\u00e7ais et dont le nombre serait fix\u00e9 compte tenu des <strong>cotisations vers\u00e9es<\/strong>.<\/p>\n<blockquote><p>Important\u00a0:\u00a0ce syst\u00e8me universel s\u2019appliquerait \u00e0 compter de\u00a02022 pour les personnes n\u00e9es \u00e0 partir de\u00a02004 et \u00e0 compter de\u00a02025 pour celles n\u00e9es de\u00a01975 \u00e0 2003.<\/p><\/blockquote>\n<p>Pour financer ce r\u00e9gime, il est pr\u00e9vu que l\u2019ensemble des salari\u00e9s cotise \u00e0 hauteur de 28,12\u00a0% jusqu\u2019\u00e0 un revenu brut annuel de 120\u00a0000\u00a0\u20ac et de 2,81\u00a0% sur la partie au-del\u00e0. Quant aux travailleurs non salari\u00e9s (artisans, commer\u00e7ants, exploitants agricoles, professionnels lib\u00e9raux), le taux de leurs cotisations de retraite s\u2019\u00e9l\u00e8verait, d\u2019ici 10\u00a0\u00e0 15\u00a0ans, \u00e0 28,12\u00a0% jusqu\u2019\u00e0 40\u00a0000\u00a0\u20ac de revenus, \u00e0 12,94\u00a0% de\u00a040\u00a0000 \u00e0\u00a0120\u00a0000\u00a0\u20ac et \u00e0 2,81\u00a0% au-del\u00e0.<\/p>\n<blockquote><p>\u00c0 noter\u00a0:\u00a0ces taux incluraient une <strong>cotisation de solidarit\u00e9<\/strong> (2,81\u00a0%) qui ne g\u00e9n\u00e8rerait pas de droit \u00e0 retraite et qui s\u2019appliquerait \u00e0 l\u2019ensemble du revenu.<\/p><\/blockquote>\n<h2>\u00c2ge l\u00e9gal versus \u00e2ge d\u2019\u00e9quilibre<\/h2>\n<p>Comme promis par le gouvernement, l\u2019<strong>\u00e2ge l\u00e9gal de d\u00e9part en retraite<\/strong> resterait fix\u00e9 \u00e0 62\u00a0ans. Toutefois, pour pouvoir percevoir l\u2019int\u00e9gralit\u00e9 de leur pension, les Fran\u00e7ais devraient reporter leur d\u00e9part en retraite de 2\u00a0ans, soit atteindre l\u2019\u00e2ge de 64\u00a0ans dit \u00ab\u00a0<em>\u00e2ge d\u2019\u00e9quilibre<\/em>\u00a0\u00bb (ou \u00ab\u00a0<em>\u00e2ge pivot<\/em>\u00a0\u00bb). Concr\u00e8tement, les Fran\u00e7ais qui prendraient leur retraite avant 64\u00a0ans se verraient appliquer un malus sur le montant de leur pension de retraite alors que ceux qui partiraient apr\u00e8s cet \u00e2ge d\u2019\u00e9quilibre b\u00e9n\u00e9ficieraient d\u2019un bonus.<\/p>\n<blockquote><p>Pr\u00e9cision\u00a0:\u00a0s\u2019ils ne sont pas d\u00e9termin\u00e9s par les partenaires sociaux, le bonus et le malus seraient fix\u00e9s \u00e0 5\u00a0% par an. De m\u00eame, l\u2019\u00e9volution de l\u2019<strong>\u00e2ge d\u2019\u00e9quilibre<\/strong> (de\u00a062 \u00e0 64\u00a0ans), en l\u2019absence de d\u00e9cision des partenaires sociaux, serait progressive\u00a0: 62\u00a0ans et 4\u00a0mois \u00e0 compter de\u00a02022 avec une augmentation de 4\u00a0mois par an pour atteindre 64\u00a0ans en\u00a02027.<\/p><\/blockquote>\n<h3>85\u00a0% du Smic minimum<\/h3>\n<p>Le gouvernement entend relever le montant minimal des pensions allou\u00e9es aux Fran\u00e7ais qui ont travaill\u00e9 et cotis\u00e9 toute leur vie. Un montant qui, selon lui, est aujourd\u2019hui insuffisant\u00a0: 815\u00a0\u20ac nets pour un salari\u00e9, 730\u00a0\u20ac pour un commer\u00e7ant et 890\u00a0\u20ac pour un exploitant agricole.<\/p>\n<p>Ainsi, \u00e0 compter de\u00a02022, la pension de retraite minimale garantie serait fix\u00e9e \u00e0 1\u00a0000\u00a0\u20ac. Et elle passerait \u00e0 85\u00a0% du Smic d\u00e8s le 1<sup>er<\/sup>\u00a0janvier\u00a02025.<\/p>\n<blockquote><p>Pour plus d&#8217;informations, n&#8217;h\u00e9sitez pas \u00e0 <a title=\"Contactez-nous\" href=\"fr\/contact\">contacter le cabinet Abeille &#038; Associ\u00e9s Avocats<\/a>.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Le gouvernement vient de d&eacute;voiler les grandes lignes et le calendrier de d&eacute;ploiement du <strong>nouveau syst&egrave;me universel de retraite<\/strong>.<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[190],"tags":[],"class_list":["post-9903","post","type-post","status-publish","format-standard","hentry","category-juridiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9forme des retraites : o\u00f9 en est-on ? 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