{"id":28794,"date":"2020-09-29T09:18:45","date_gmt":"2020-09-29T07:18:45","guid":{"rendered":"https:\/\/www.cma-hautsdefrance.fr\/?page_id=28794"},"modified":"2023-09-18T09:03:05","modified_gmt":"2023-09-18T07:03:05","slug":"preparer-sa-retraite","status":"publish","type":"page","link":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/preparer-sa-retraite\/","title":{"rendered":"Pr\u00e9parer sa retraite"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Accueil<\/span><\/p><\/nav>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; custom_css_code=&#8221;cCUyQyUyMGxpJTIwJTdCJTBBdGV4dC1hbGlnbiUzQSUyMGp1c3RpZnklM0IlMEElN0QlMEE=&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1601374872089{padding-bottom: 3% !important;}&#8221;]\n<p style=\"text-align: center; font-size: 0.9em; font-family: montserrat; text-transform: uppercase;\"><span style=\"color: #000000;\"><strong>Retrouvez les diff\u00e9rentes d\u00e9marches \u00e0 effectuer pour bien pr\u00e9parer votre retraite apr\u00e8s une activit\u00e9 artisanale<\/strong><\/span><\/p>\n[\/vc_column_text][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1601039407340{padding-bottom: 1% !important;}&#8221;][vc_column_inner width=&#8221;2\/5&#8243; css=&#8221;.vc_custom_1601382706627{padding-top: 300px !important;padding-bottom: 300px !important;background-image: url(https:\/\/www.cma-hautsdefrance.fr\/wp-content\/uploads\/2020\/09\/preparer-sa-retraite-1.jpg?id=28804) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1601375104880{padding-top: 2% !important;}&#8221;]\n<h2>LES PREMI\u00c8RES D\u00c9MARCHES :<\/h2>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601375158085{padding-top: 4% !important;padding-bottom: 1% !important;}&#8221;]\n<h3>V\u00e9rifiez l\u2019\u00e2ge de d\u00e9part \u00e0 la retraite<\/h3>\n[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]L\u2019\u00e2ge l\u00e9gal correspond \u00e0 l\u2019\u00e2ge minimum pour obtenir sa retraite de base.<strong> Elle varie selon sa date de naissance\u00a0 et sa situation personnelle. <\/strong>Pour conna\u00eetre votre \u00e2ge de d\u00e9part \u00e0 la retraite, <strong><a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home\/actif\/age-depart\/age-depart-retraite.html#:~:text=L&#039;%C3%A2ge%20l%C3%A9gal%20de%20d%C3%A9part%20%C3%A0%20la%20retraite%20est%20de,du%201er%20janvier%201968.\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">consultez la page d\u00e9di\u00e9e sur le site de la CARSAT\u00a0<\/a><\/strong>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Il existe des <strong>possibilit\u00e9s pour partir plus t\u00f4t,<\/strong> notamment pour ceux ayant commenc\u00e9 \u00e0 travailler avant 20 ans ou encore les travailleurs handicap\u00e9s. Nous vous invitons \u00e0 consulter le site de la CARSAT via le lien disponible jsute au dessus.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1601375165385{padding-top: 4% !important;padding-bottom: 1% !important;}&#8221;]\n<h3>V\u00e9rifiez le nombre de trimestres requis pour toucher une pension de retraite \u00e0 taux plein<\/h3>\n[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Pour b\u00e9n\u00e9ficier d&#8217;une retraite enti\u00e8re calcul\u00e9e au taux maximum, vous devez remplir un certain nombre de trimestres <a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home\/actif\/age-depart\/age-depart-retraite.html#:~:text=L&#039;%C3%A2ge%20l%C3%A9gal%20de%20d%C3%A9part%20%C3%A0%20la%20retraite%20est%20de,du%201er%20janvier%201968.\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">(en savoir plus)<\/a>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Ce nombre de trimestres augmente progressivement selon la date de naissance de l\u2019assur\u00e9 n\u00e9 \u00e0 compter de 1960 jusqu\u2019\u00e0 1968 et au-del\u00e0, en fixant \u00e0 l\u2019avance le nombre de trimestres n\u00e9cessaires.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Quel que soit le nombre de trimestres valid\u00e9s, <strong>l\u2019assur\u00e9 b\u00e9n\u00e9ficiera d\u2019une retraite \u00e0 taux plein (c\u2019est-\u00e0-dire sans d\u00e9cote) \u00e0 l\u2019\u00e2ge de 67 ans.<\/strong>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1601375438027{border-top-width: 4px !important;border-right-width: 4px !important;border-bottom-width: 4px !important;border-left-width: 4px !important;padding-top: 1% !important;background-color: #f5f5f5 !important;border-left-color: #990033 !important;border-left-style: solid !important;border-right-color: #990033 !important;border-right-style: solid !important;border-top-color: #990033 !important;border-top-style: solid !important;border-bottom-color: #990033 !important;border-bottom-style: solid !important;border-radius: 5px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1601374258181{padding-top: 4% !important;padding-right: 4% !important;padding-bottom: 4% !important;padding-left: 4% !important;}&#8221;][vc_column_text]<span style=\"color: #000000;\"><strong>Il existe \u00e9galement une majoration de dur\u00e9e d\u2019assurance pour enfants qui permet de b\u00e9n\u00e9ficier de trimestres suppl\u00e9mentaires :<\/strong><\/span><\/p>\n<ul>\n<li>Au titre de la maternit\u00e9 : 4 trimestres par enfant pour la m\u00e8re biologique<\/li>\n<li>Au titre de l\u2019\u00e9ducation : 4 trimestres maximum accord\u00e9s \u00e0 la m\u00e8re ou au p\u00e8re au titre de l\u2019\u00e9ducation de l\u2019enfant pendant les 4 ann\u00e9es suivant la naissance ou l\u2019adoption sous certaines conditions.<\/li>\n<li>Au titre de l\u2019adoption : 4 trimestres par enfant adopt\u00e9, accord\u00e9s \u00e0 la m\u00e8re ou au p\u00e8re, sous certaines conditions<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row custom_css_code=&#8221;JTBBLnRhYmxlcHJlc3MlMjB0aGVhZCUyMHRoJTIwJTdCJTBBJTIwJTIwYmFja2dyb3VuZC1jb2xvciUzQSUyMCUyMzk5MDAzMyUzQiUwQSUyMCUyMGNvbG9yJTNBJTIwd2hpdGUlM0IlMEElN0Q=&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1695019643372{padding-top: 3% !important;padding-bottom: 1% !important;}&#8221;]\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home\/actif\/age-depart\/age-depart-retraite.html#:~:text=L&#039;%C3%A2ge%20l%C3%A9gal%20de%20d%C3%A9part%20%C3%A0%20la%20retraite%20est%20de,du%201er%20janvier%201968.\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">V\u00c9RIFIEZ LE NOMBRE DE TRIMESTRES REQUIS SELON VOTRE ANN\u00c9E DE NAISSANCE<\/a><\/h3>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; disable_custom_paddings_tablet=&#8221;true&#8221; disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1601381621660{margin-bottom: 0px !important;background-color: #990033 !important;}&#8221; custom_css_code=&#8221;cCUyMCU3QiUwQXRleHQtYWxpZ24lM0ElMjBqdXN0aWZ5JTNCJTBBJTdEJTBBJTBBLndwYl90ZXh0X2NvbHVtbiUyMHVsJTIwbGklM0FiZWZvcmUlMjAlN0IlMEFiYWNrZ3JvdW5kLWNvbG9yJTNBJTIwd2hpdGUlM0IlMEElN0Q=&#8221;][vc_column disable_custom_paddings_tablet=&#8221;true&#8221; disable_custom_paddings_mobile=&#8221;true&#8221;][vc_column_text css=&#8221;.vc_custom_1601372467204{margin-bottom: px !important;}&#8221;]\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">ESTIMEZ LE MONTANT DE VOTRE RETRAITE EN CALCULANT :<\/span><\/h2>\n[\/vc_column_text][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-textbox \"  ><div class=\"gem-textbox-inner\" style=\"border-top-right-radius: 30px;border-bottom-left-radius: 30px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\">[vc_column_text]\n<p style=\"text-align: center; text-transform: uppercase; font-family: montserrat; font-size: 16px; font-weight: bold;\"><span style=\"color: #990033;\">La retraite de base<\/span><\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601373312483{padding-top: 3% !important;}&#8221;]Qui est \u00e9gale \u00e0 la moiti\u00e9 (50 %) du revenu moyen dans la limite d\u2019un plafond de s\u00e9curit\u00e9 sociale. Elle est calcul\u00e9e sur la base des 25 meilleures ann\u00e9es, si vous justifiez du nombre de trimestres requis[\/vc_column_text]<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-textbox \"  ><div class=\"gem-textbox-inner\" style=\"border-top-right-radius: 30px;border-bottom-left-radius: 30px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\">[vc_column_text]\n<p style=\"text-align: center; text-transform: uppercase; font-family: montserrat; font-size: 16px; font-weight: bold;\"><span style=\"color: #990033;\">La retraite COMPL\u00c9MENTAIRE<\/span><\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601373343070{padding-top: 3% !important;}&#8221;]Ces cotisations permettent d\u2019obtenir des points dont la valeur est revaloris\u00e9e chaque ann\u00e9e[\/vc_column_text]<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-textbox \"  ><div class=\"gem-textbox-inner\" style=\"border-top-right-radius: 30px;border-bottom-left-radius: 30px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\">[vc_column_text]\n<p style=\"text-align: center; text-transform: uppercase; font-family: montserrat; font-size: 16px; font-weight: bold;\"><span style=\"color: #990033;\">La retraite SUPPL\u00c9MENTAIRE<\/span><\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601373375293{padding-top: 3% !important;}&#8221;]Constitu\u00e9e sur la base d\u2019une \u00e9pargne volontaire, pour obtenir un revenu suppl\u00e9mentaire[\/vc_column_text]<\/div><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1601382663146{margin-top: 0px !important;padding-top: 4% !important;}&#8221; custom_css_code=&#8221;cCUyMCU3QiUwQXRleHQtYWxpZ24lM0ElMjBqdXN0aWZ5JTNCJTBBJTdE&#8221;][vc_column][vc_row_inner content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1601382104951{padding-top: 2% !important;}&#8221;]\n<h2>DROIT \u00c0 L\u2019INFORMATION<\/h2>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601382128786{padding-top: 4% !important;padding-bottom: 1% !important;}&#8221;]Dans le cadre de la loi du 21 ao\u00fbt 2003, les r\u00e9gimes de retraite se sont engag\u00e9s \u00e0 faire conna\u00eetre r\u00e9guli\u00e8rement aux assur\u00e9s les droits acquis au titre des r\u00e9gimes de retraite obligatoires, gr\u00e2ce \u00e0 diff\u00e9rents outils :[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<strong>Le relev\u00e9 individuel de situation qui r\u00e9capitule l\u2019ensemble des droits acquis<\/strong> dans chacun des r\u00e9gimes de retraite de base et compl\u00e9mentaires obligatoires auxquels le chef d\u2019entreprise a appartenu[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Le service en ligne <a title=\"Site info retraite\" href=\"http:\/\/www.info-retraite.fr\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">info-retraite.fr<\/a> qui permet d\u2019avoir une estimation du montant de la retraite tous r\u00e9gimes confondus et de visualiser les diff\u00e9rents \u00e2ges de d\u00e9part et montant de pensions[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Une information aux nouveaux assur\u00e9s :<strong> envoi d\u2019un document d\u2019information g\u00e9n\u00e9rale sur le syst\u00e8me de retraite fran\u00e7ais, dans l\u2019ann\u00e9e qui suit le d\u00e9but de la carri\u00e8re professionnelle<\/strong> (sous r\u00e9serve d\u2019avoir valid\u00e9 2 trimestres de retraite)[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #990033;\"><span class=\"back-angle\">&#xf1fe;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]L\u2019entretien d\u2019information retraite : <strong>\u00e0 partir de 45 ans, sur demande aupr\u00e8s de la caisse de retraite, l\u2019entretien d\u2019information retraite, personnalis\u00e9 et gratuit, permet de faire le bilan de la carri\u00e8re pass\u00e9e<\/strong>, d\u2019obtenir des estimations du montant de la future retraite, d\u2019\u00eatre inform\u00e9 des possibilit\u00e9s d\u2019am\u00e9lioration du montant des pensions, des r\u00e8gles du cumul emploi-retraite et de poser des questions \u00e0 un expert[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;2\/5&#8243; css=&#8221;.vc_custom_1601382689537{padding-top: 350px !important;padding-bottom: 350px !important;background-image: url(https:\/\/www.cma-hautsdefrance.fr\/wp-content\/uploads\/2020\/09\/preparer-sa-retraite-2.jpg?id=28901) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; custom_css_code=&#8221;cCUyQyUyMGxpJTIwJTdCJTBBdGV4dC1hbGlnbiUzQSUyMGp1c3RpZnklM0IlMEElN0Q=&#8221; css=&#8221;.vc_custom_1601383868960{padding-top: 3% !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1601279828117{padding-top: 40px !important;padding-right: 30px !important;padding-bottom: 20px !important;padding-left: 30px !important;background-color: #990033 !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1601382807761{padding-bottom: 2% !important;}&#8221;]\n<h3><span style=\"color: #ffffff;\">EFFECTUER VOTRE DEMANDE DE RETRAITE<\/span><\/h3>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1695020271562{padding-bottom: 0px !important;}&#8221;]<span style=\"color: #ffffff;\"><strong>Une seule demande doit \u00eatre effectu\u00e9e 5 mois avant la date d\u2019effet de la retraite, aupr\u00e8s de la caisse de retraite de la derni\u00e8re activit\u00e9<\/strong>, m\u00eame si le retrait\u00e9 a cotis\u00e9 \u00e0 un ou plusieurs r\u00e9gimes de base (salari\u00e9s, agricoles etc.).<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Cette demande unique est\u00a0<strong>aussi utilis\u00e9e pour la demande de retraite compl\u00e9mentaire pour les artisans.<\/strong><\/span>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a24d40987c678420 .gem-button svg {fill: #ffffff;}.thegem-button-6a24d40987c678420 .gem-button:hover svg {fill: #990033;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a24d40987c678420    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;border-color: #ffffff;background: linear-gradient(to bottom, , );color: #ffffff;\" onmouseleave=\"this.style.borderColor=&#039;#ffffff&#039;;this.style.backgroundColor=&#039;transparent&#039;;this.style.color=&#039;#ffffff&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" onmouseenter=\"this.style.borderColor=&#039;#990033&#039;;this.style.backgroundColor=&#039;rgba(255,255,255,0.81)&#039;;this.style.color=&#039;#990033&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home.html\" target=\"_blank\" rel=\"nofollow noopener\">Rendez-vous sur votre espace personnel Retraite<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1601279894353{padding-top: 40px !important;padding-right: 30px !important;padding-bottom: 20px !important;padding-left: 30px !important;background-color: #f2f2f2 !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1601383074964{padding-bottom: 2% !important;}&#8221;]\n<h3>RETRAITE ET ACTIVIT\u00c9 PROFESSIONNELLE<\/h3>\n[\/vc_column_text][vc_column_text]Il existe deux dispositifs pour associer retraite et activit\u00e9 professionnelle :<\/p>\n<ul>\n<li><strong>Retraite progressive :<\/strong> Les artisans peuvent demander \u00e0 b\u00e9n\u00e9ficier d\u2019une partie de leur retraite tout en exer\u00e7ant une activit\u00e9 \u00e0 temps r\u00e9duit, sous certaines conditions<\/li>\n<li><strong>Cumul emploi-retraite :<\/strong> <a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Percevoir un revenu d\u2019une activit\u00e9 professionnelle et sa pension de retraite<\/a><\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1601383571416{padding-top: 4% !important;}&#8221;]\n<h3>POUR ALLER PLUS LOIN, CONSULTEZ LES SITES :<\/h3>\n[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1601383739077{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-6a24d40987ccb8671 .gem-button svg {fill: #990033;}.thegem-button-6a24d40987ccb8671 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a24d40987ccb8671    \"  ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;border-color: #990033;background: linear-gradient(to bottom, , );color: #990033;\" onmouseleave=\"this.style.borderColor=&#039;#990033&#039;;this.style.backgroundColor=&#039;transparent&#039;;this.style.color=&#039;#990033&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" onmouseenter=\"this.style.backgroundColor=&#039;#990033&#039;;this.style.color=&#039;#ffffff&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" href=\"https:\/\/www.agirc-arrco.fr\/\" target=\"_blank\" rel=\"nofollow noopener\">L&#039;AGIRC ARRCO<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1601383766907{margin-right: 0px !important;margin-left: 0px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-6a24d40987d1a8438 .gem-button svg {fill: #990033;}.thegem-button-6a24d40987d1a8438 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a24d40987d1a8438    \"  ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;border-color: #990033;background: linear-gradient(to bottom, , );color: #990033;\" onmouseleave=\"this.style.borderColor=&#039;#990033&#039;;this.style.backgroundColor=&#039;transparent&#039;;this.style.color=&#039;#990033&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" onmouseenter=\"this.style.backgroundColor=&#039;#990033&#039;;this.style.color=&#039;#ffffff&#039;;this.style.background=&#039;linear-gradient(to bottom ,  , )&#039;;\" href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/accueil\" target=\"_blank\" rel=\"nofollow noopener\">Assurance retraite<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"clearboth\"><\/div><div id=\"thegem-divider-6a24d40987d37\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; custom_css_code=&#8221;cCUyQyUyMGxpJTIwJTdCJTBBdGV4dC1hbGlnbiUzQSUyMGp1c3RpZnklM0IlMEElN0QlMEE=&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1601374872089{padding-bottom: 3% !important;}&#8221;] Retrouvez les diff\u00e9rentes d\u00e9marches \u00e0 effectuer pour bien pr\u00e9parer votre retraite apr\u00e8s une activit\u00e9&#8230;<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/pages\/28794"}],"collection":[{"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/comments?post=28794"}],"version-history":[{"count":81,"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/pages\/28794\/revisions"}],"predecessor-version":[{"id":92178,"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/pages\/28794\/revisions\/92178"}],"wp:attachment":[{"href":"https:\/\/www.cma-hautsdefrance.fr\/preprod\/wp-json\/wp\/v2\/media?parent=28794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}