{"id":232,"date":"2025-10-16T16:53:41","date_gmt":"2025-10-16T16:53:41","guid":{"rendered":"https:\/\/facili-services.fr\/?page_id=232"},"modified":"2026-02-16T16:07:49","modified_gmt":"2026-02-16T16:07:49","slug":"demarches-cles","status":"publish","type":"page","link":"https:\/\/facili-services.fr\/?page_id=232","title":{"rendered":"D\u00e9marches cl\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"232\" class=\"elementor elementor-232\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64b6919 e-flex e-con-boxed e-con e-parent\" data-id=\"64b6919\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29e749f elementor-widget elementor-widget-heading\" data-id=\"29e749f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accompagnement Retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4fe030 e-flex e-con-boxed e-con e-parent\" data-id=\"c4fe030\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8f99d elementor-widget elementor-widget-heading\" data-id=\"ea8f99d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les d\u00e9marches \u00e0 anticiper avant votre Retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-693016a e-flex e-con-boxed e-con e-parent\" data-id=\"693016a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c8b2a8 elementor-widget elementor-widget-text-editor\" data-id=\"9c8b2a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><br \/>Avant de d\u00e9poser votre demande, certaines v\u00e9rifications et d\u00e9marches sont indispensables pour \u00e9viter tout retard ou erreur dans le calcul de vos droits.<br data-start=\"296\" data-end=\"299\" \/>Cette page ne reprend <strong data-start=\"321\" data-end=\"388\">pas l\u2019ensemble des conditions et r\u00e8gles de d\u00e9part \u00e0 la retraite<\/strong> (consultables sur le site <a class=\"decorated-link cursor-pointer\" href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home.html\" target=\"_new\" rel=\"noopener\" data-start=\"415\" data-end=\"473\">lassuranceretraite.fr<\/a>), mais attire votre attention sur <strong data-start=\"508\" data-end=\"545\">les points essentiels \u00e0 anticiper<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-289bd6a e-flex e-con-boxed e-con e-parent\" data-id=\"289bd6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d7047f e-con-full e-flex e-con e-child\" data-id=\"7d7047f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0ca6a6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a0ca6a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#mes-onglets\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Votre situation pr\u00e9-retraite<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3edcd7d e-con-full e-flex e-con e-child\" data-id=\"3edcd7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-978eb9f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"978eb9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#mes-onglets2\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Infos compl\u00e9mentaires<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c89046c e-flex e-con-boxed e-con e-parent\" data-id=\"c89046c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b0d810b e-con-full e-flex e-con e-child\" data-id=\"b0d810b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edad886 elementor-widget elementor-widget-text-editor\" data-id=\"edad886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"text-2xl font-semibold mt-8 mb-4 text-gray-800\"><strong>Avant toute demande de retraite et quelle que soit votre situation actuelle, vous devez :<\/strong><\/h3><h3 class=\"text-2xl font-semibold mt-8 mb-4 text-gray-800\">\ud83e\uddfe <strong>1. V\u00e9rifiez votre relev\u00e9 de Carri\u00e8re<\/strong><\/h3><p class=\"text-gray-700 mb-3\">Votre relev\u00e9 de Carri\u00e8re r\u00e9capitule vos salaires et trimestres valid\u00e9s tout au long de votre vie professionnelle.<br \/>Prenez le temps de le consulter attentivement :<\/p><ul class=\"list-disc list-inside text-gray-700 mb-3\"><li>V\u00e9rifiez que toutes vos p\u00e9riodes d\u2019activit\u00e9 figurent bien ;<\/li><li>Contr\u00f4lez que les salaires ou revenus sont correctement report\u00e9s ;<\/li><li>Assurez-vous que les p\u00e9riodes assimil\u00e9es (maladie, ch\u00f4mage, maternit\u00e9, service national\u2026) sont pr\u00e9sentes.<\/li><\/ul><p class=\"text-gray-700 mb-4\">En cas d\u2019anomalies, vous pouvez <strong>demander une r\u00e9gularisation<\/strong> aupr\u00e8s de votre caisse de retraite.<br \/><em>Nous pouvons vous informer sur la marche \u00e0 suivre, <strong>mais nous ne r\u00e9alisons pas les r\u00e9gularisations<\/strong>.<\/em><\/p><p><!-- 2. Carri\u00e8res \u00e0 l\u2019\u00e9tranger --><\/p><h3 class=\"text-2xl font-semibold mt-8 mb-4 text-gray-800\">\ud83c\udf0d <strong>2. Si vous avez travaill\u00e9 \u00e0 l\u2019\u00e9tranger<\/strong><\/h3><p class=\"text-gray-700 mb-3\">Les p\u00e9riodes effectu\u00e9es \u00e0 l\u2019\u00e9tranger peuvent \u00eatre prises en compte selon le pays concern\u00e9 :<\/p><ul class=\"list-disc list-inside text-gray-700 mb-3\"><li><strong>Union Europ\u00e9enne, EEE ou Suisse<\/strong> : trimestres totalis\u00e9s selon les r\u00e8glements europ\u00e9ens ;<\/li><li><strong>Pays avec convention bilat\u00e9rale<\/strong> : p\u00e9riodes reconnues selon les accords ;<\/li><li><strong>Pays sans convention<\/strong> : p\u00e9riodes non prises en compte automatiquement.<\/li><\/ul><p class=\"text-gray-700 mb-4\">Un examen de carri\u00e8re sp\u00e9cifique peut \u00eatre n\u00e9cessaire \u2014 pensez \u00e0 vous y prendre t\u00f4t.<\/p><h3 class=\"ydp14ce7f92text-2xl ydp14ce7f92font-semibold ydp14ce7f92mt-8 ydp14ce7f92mb-4 ydp14ce7f92text-gray-800\">\u2696\ufe0f\u00a0 <strong>3. Vous avez cotis\u00e9 \u00e0 plusieurs r\u00e9gimes (polypensionn\u00e9)<\/strong><\/h3><p data-start=\"394\" data-end=\"522\">Chaque r\u00e9gime g\u00e8re sa propre carri\u00e8re. Lorsque vous avez travaill\u00e9 sous plusieurs statuts (salari\u00e9, ind\u00e9pendant, fonction publique, etc.), <strong data-start=\"503\" data-end=\"520\">chaque caisse<\/strong> :<\/p><ul data-start=\"524\" data-end=\"737\"><li data-start=\"524\" data-end=\"619\"><p data-start=\"526\" data-end=\"619\">d\u00e9tient et g\u00e8re <strong data-start=\"542\" data-end=\"565\">ses propres donn\u00e9es<\/strong> de carri\u00e8re (p\u00e9riodes, salaires, trimestres, etc.),<\/p><\/li><li data-start=\"620\" data-end=\"674\"><p data-start=\"622\" data-end=\"674\">fait <strong data-start=\"627\" data-end=\"671\">sa propre v\u00e9rification et r\u00e9gularisation<\/strong>,<\/p><\/li><li data-start=\"675\" data-end=\"737\"><p data-start=\"677\" data-end=\"737\">calcule <strong data-start=\"685\" data-end=\"706\">sa propre pension<\/strong>, selon <strong data-start=\"714\" data-end=\"736\">ses propres r\u00e8gles<\/strong>.<\/p><\/li><\/ul><p data-start=\"739\" data-end=\"761\">\ud83d\udca1 Cela signifie que : <span style=\"font-size: 16px;\">Chaque r\u00e9gime de base \u00e9tablit <\/span><strong style=\"font-size: 16px;\" data-start=\"794\" data-end=\"812\">ind\u00e9pendamment<\/strong><span style=\"font-size: 16px;\"> le nombre de trimestres valid\u00e9s, le revenu de r\u00e9f\u00e9rence et le montant de la retraite correspondante.<\/span><\/p><p><!-- 3. Ch\u00f4mage --><\/p><p><!-- 4. SASPA \/ ASPA --><\/p><p><!-- 5. Quand faire ces d\u00e9marches --><\/p><h3 class=\"text-2xl font-semibold mt-8 mb-4 text-gray-800\">\ud83d\udd52 <strong>4. Quand faire ces d\u00e9marches ?<\/strong><\/h3><p class=\"text-gray-700 mb-4\">Id\u00e9alement, commencez vos v\u00e9rifications <strong>1 \u00e0 2 ans avant la date souhait\u00e9e de d\u00e9part<\/strong>.<br \/>Les r\u00e9gularisations peuvent prendre plusieurs mois, surtout pour les carri\u00e8res avec employeurs multiples ou \u00e0 l\u2019\u00e9tranger.<\/p><p class=\"text-gray-700 mb-4\">\ud83d\udc49 <em>Pr\u00e9parez votre dossier plusieurs mois \u00e0 l\u2019avance pour garantir la continuit\u00e9 de vos droits.\u00a0<\/em><\/p><p><!-- 6. RSA \/ AAH \/ Invalidit\u00e9 --><\/p><p><!-- R\u00e9sum\u00e9 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8620862 e-flex e-con-boxed e-con e-parent\" data-id=\"8620862\" data-element_type=\"container\" data-e-type=\"container\" id=\"mes-onglets\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-771628e e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"771628e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"124871310\" aria-label=\"Onglets. Ouvrez des \u00e9l\u00e9ments avec Entrer ou Espace, fermez-les avec Echape et naviguez \u00e0 l&#039;aide des touches fl\u00e9ch\u00e9es.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"#cho\" data-tab-title-id=\"e-n-tab-title-1248713101\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1248713101\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVous \u00eates salari\u00e9\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"#cho\" data-tab-title-id=\"e-n-tab-title-1248713102\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1248713102\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVous \u00eates au ch\u00f4mage\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1248713103\" data-tab-title-id=\"e-n-tab-title-1248713103\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1248713103\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVous \u00eates au RSA\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1248713104\" data-tab-title-id=\"e-n-tab-title-1248713104\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1248713104\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVous \u00eates handicap\u00e9\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1248713105\" data-tab-title-id=\"e-n-tab-title-1248713105\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1248713105\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVous \u00eates  invalide\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1248713101\" role=\"tabpanel\" aria-labelledby=\"#cho\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-3ae7159 e-con-full e-flex e-con e-child\" data-id=\"3ae7159\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a2c57db e-con-full e-flex e-con e-child\" data-id=\"a2c57db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e84c8bd e-con-full e-flex e-con e-child\" data-id=\"e84c8bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf822af elementor-widget elementor-widget-text-editor\" data-id=\"bf822af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Quelques mois avant l&rsquo;\u00e2ge l\u00e9gal de d\u00e9part, vous pouvez demander une estimation de votre future retraite afin de v\u00e9rifier ce qui est le plus int\u00e9ressant pour vous.<\/p><p>Lorsque vous d\u00e9cidez de prendre votre retraite, vous devez au moment de votre demande, pr\u00e9venir votre employeur par courrier avec accus\u00e9 r\u00e9ception, 2 \u00e0 3 mois avant en fonction de votre contrat de travail.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd56396 e-con-full e-flex e-con e-child\" data-id=\"fd56396\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1248713102\" role=\"tabpanel\" aria-labelledby=\"#cho\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-7b872fe e-con-full e-flex e-con e-child\" data-id=\"7b872fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-92fe981 e-con-full e-flex e-con e-child\" data-id=\"92fe981\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6488d91 e-con-full e-flex e-con e-child\" data-id=\"6488d91\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e08313 elementor-widget elementor-widget-text-editor\" data-id=\"6e08313\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque vous \u00eates inscrit \u00e0 France Travail et que vous atteignez l&rsquo;\u00e2ge de d\u00e9part \u00e0 la retraite alors <strong>il est obligatoire de mettre \u00e0 jour votre carri\u00e8re<\/strong> aupr\u00e8s de l&rsquo;assurance retraite pour <strong>obtenir votre attestation de ch\u00f4mage indemnis\u00e9<\/strong>. Sans ce document, <strong>France Travail peut proc\u00e9der \u00e0 l&rsquo;arr\u00eat du versement de vos allocations<\/strong>.<\/p><p><span style=\"text-decoration: underline;\"><span style=\"font-style: inherit; font-weight: inherit;\">Indemnisation en cours avant l&rsquo;\u00e2ge l\u00e9gal :<\/span><\/span><\/p><ul><li>Dur\u00e9e d&rsquo;assurance acquise : France Travail cesse de verser les allocations m\u00eame si vous avez encore des droits, vous remplissez les conditions et devez demander votre retraite.<\/li><li>Dur\u00e9e d&rsquo;assurance non acquise : Maintien du versement des allocations au-del\u00e0 de l&rsquo;\u00e2ge l\u00e9gal <strong>dans la limite de vos droits d\u00e9termin\u00e9s par France Travail<\/strong>. De plus, <strong>leur fournir obligatoirement l&rsquo;attestation de ch\u00f4mage indemnis\u00e9<\/strong> d\u00e9livr\u00e9e par l&rsquo;assurance retraite.<\/li><\/ul><p><span style=\"text-decoration: underline;\">Perte d&#8217;emploi apr\u00e8s l&rsquo;\u00e2ge l\u00e9gal :\u00a0<\/span><\/p><ul><li>Dur\u00e9e d&rsquo;assurance acquise : aucun versement d&rsquo;allocations ch\u00f4mage, vous remplissez les conditions et devez demander votre retraite au plus vite.<\/li><li>Dur\u00e9e d&rsquo;assurance non acquise : s&rsquo;inscrire \u00e0 France Travail et demander une mise \u00e0 jour de la carri\u00e8re aupr\u00e8s de l&rsquo;assurance retraite pour v\u00e9rifier vos droits. Une fois mise \u00e0 jour, la caisse vous envoie <strong>votre attestation de ch\u00f4mage indemnis\u00e9 que vous devez transmettre \u00e0 France Travail<\/strong>. Sur ce document, il vous sera pr\u00e9cis\u00e9 votre date de d\u00e9part possible \u00e0 la retraite.<\/li><\/ul><p><strong>\ud83d\udc49<\/strong>Pour obtenir cette attestation de ch\u00f4mage, vous pouvez le faire en ligne dans votre espace personnel Assurance Retraite via l&rsquo;onglet <strong>\u00ab\u00a0Compl\u00e9ter ma carri\u00e8re et d\u00e9clarer mes enfants\u00a0\u00bb<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fb5660 e-con-full e-flex e-con e-child\" data-id=\"0fb5660\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1248713103\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1248713103\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-ace2f1c e-con-full e-flex e-con e-child\" data-id=\"ace2f1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-97f15d8 e-con-full e-flex e-con e-child\" data-id=\"97f15d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f86ffc4 e-con-full e-flex e-con e-child\" data-id=\"f86ffc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41dbfbb elementor-widget elementor-widget-text-editor\" data-id=\"41dbfbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"text-decoration: underline;\">\u00c0 l\u2019\u00e2ge l\u00e9gal de la retraite :<\/span><\/strong><\/p><p>Lorsqu&rsquo;une personne au RSA atteint <strong data-start=\"346\" data-end=\"376\">l\u2019\u00e2ge l\u00e9gal de la retraite<\/strong>, <strong data-start=\"378\" data-end=\"397\">le RSA s\u2019arr\u00eate<\/strong> automatiquement.<br data-start=\"414\" data-end=\"417\" \/>\u27a1\ufe0f En effet, le RSA est r\u00e9serv\u00e9 aux personnes <strong data-start=\"463\" data-end=\"487\">en \u00e2ge de travailler<\/strong>, donc avant la retraite.<\/p><p><span style=\"text-decoration: underline;\"><strong>\u00c0 la place du RSA, la Retraite ou un minimum de ressources :<\/strong><\/span><\/p><p data-start=\"589\" data-end=\"623\">\u00c0 ce moment-l\u00e0, vous devez :<\/p><ul data-start=\"624\" data-end=\"851\"><li data-start=\"624\" data-end=\"729\"><p data-start=\"626\" data-end=\"729\"><strong data-start=\"626\" data-end=\"667\">Faire valoir vos droits \u00e0 la retraite<\/strong> (demander toutes vos retraites : de base et compl\u00e9mentaires).<\/p><\/li><li data-start=\"624\" data-end=\"729\"><p data-start=\"626\" data-end=\"729\">Une fois la retraite attribu\u00e9e, si son montant est <strong data-start=\"782\" data-end=\"792\">faible<\/strong>, vous pouvez b\u00e9n\u00e9ficier d\u2019un <strong data-start=\"820\" data-end=\"834\">compl\u00e9ment<\/strong> appel\u00e9 <strong data-start=\"842\" data-end=\"850\">ASPA<\/strong>.<\/p><\/li><\/ul><p data-start=\"947\" data-end=\"1017\"><strong><span style=\"text-decoration: underline;\">L\u2019ASPA remplace ce qu\u2019on appelait avant le \u00ab minimum vieillesse \u00bb.<\/span><\/strong><\/p><h4 data-start=\"1019\" data-end=\"1039\">\ud83d\udc49 Conditions :<\/h4><ul><li data-start=\"1042\" data-end=\"1176\">Avoir <strong data-start=\"1048\" data-end=\"1067\">au moins 65 ans<\/strong>,<br data-start=\"1068\" data-end=\"1071\" \/><em data-start=\"1073\" data-end=\"1174\">(ou d\u00e8s l\u2019\u00e2ge l\u00e9gal de la retraite si vous \u00eates reconnu inapte au travail ou invalidit\u00e9)<\/em><\/li><li>R\u00e9sider <strong data-start=\"1187\" data-end=\"1216\">de fa\u00e7on stable en France<\/strong>.<\/li><li data-start=\"1220\" data-end=\"1254\"><p data-start=\"1222\" data-end=\"1254\">Avoir de <strong data-start=\"1231\" data-end=\"1253\">faibles ressources<\/strong>.<\/p><\/li><\/ul><h4 data-start=\"1256\" data-end=\"1290\">\ud83d\udcb6 Montants (2025, environ) :<\/h4><ul data-start=\"1291\" data-end=\"1389\"><li data-start=\"1291\" data-end=\"1348\"><p data-start=\"1293\" data-end=\"1348\"><strong data-start=\"1293\" data-end=\"1313\">1 012 \u20ac par mois<\/strong> maximum pour une personne seule,<\/p><\/li><li data-start=\"1349\" data-end=\"1389\"><p data-start=\"1351\" data-end=\"1389\"><strong data-start=\"1351\" data-end=\"1371\">1 573 \u20ac par mois<\/strong> pour un couple.<\/p><\/li><\/ul><p data-start=\"1391\" data-end=\"1477\">Si votre retraite est inf\u00e9rieure \u00e0 ces montants, <strong data-start=\"1440\" data-end=\"1459\">l\u2019ASPA compl\u00e8te<\/strong> jusqu\u2019\u00e0 ce seuil.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1647bcf e-con-full e-flex e-con e-child\" data-id=\"1647bcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1248713104\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1248713104\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-d232528 e-con-full e-flex e-con e-child\" data-id=\"d232528\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c8e15f0 e-con-full e-flex e-con e-child\" data-id=\"c8e15f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8c38cd e-con-full e-flex e-con e-child\" data-id=\"d8c38cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d75c9d4 elementor-widget elementor-widget-text-editor\" data-id=\"d75c9d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En principe, <strong data-start=\"603\" data-end=\"637\">le versement de l\u2019AAH s\u2019arr\u00eate<\/strong> quand la personne devient \u00e9ligible \u00e0 une <strong data-start=\"679\" data-end=\"691\">retraite<\/strong>.<br data-start=\"692\" data-end=\"695\" \/>Mais il faut distinguer deux cas :<\/p><h3 data-start=\"736\" data-end=\"811\"><strong data-start=\"740\" data-end=\"811\">Cas 1 : vous n\u2019avez pas de retraite ou une tr\u00e8s petite retraite<\/strong><\/h3><p>Vous pouvez <strong data-start=\"831\" data-end=\"873\">continuer \u00e0 toucher l\u2019AAH apr\u00e8s l&rsquo;\u00e2ge l\u00e9gal<\/strong>, <strong data-start=\"875\" data-end=\"894\">sous conditions<\/strong> :<\/p><ul><li style=\"list-style-type: none;\"><ul data-start=\"899\" data-end=\"1016\"><li data-start=\"899\" data-end=\"951\"><p data-start=\"901\" data-end=\"951\">Avoir un <strong data-start=\"911\" data-end=\"948\">taux d\u2019incapacit\u00e9 d\u2019au moins 80 %<\/strong>,<\/p><\/li><li data-start=\"954\" data-end=\"1016\"><p data-start=\"956\" data-end=\"1016\"><strong data-start=\"963\" data-end=\"1013\">Vos revenus restent inf\u00e9rieurs au plafond de l\u2019AAH<\/strong>.<\/p><\/li><\/ul><\/li><\/ul><p data-start=\"1018\" data-end=\"1183\">\ud83d\udc49 Dans ce cas, <strong data-start=\"1034\" data-end=\"1066\">l\u2019AAH continue d\u2019\u00eatre vers\u00e9e<\/strong>, en compl\u00e9ment de la retraite si elle est faible.<br data-start=\"1116\" data-end=\"1119\" \/>On appelle \u00e7a le <strong data-start=\"1136\" data-end=\"1182\">maintien de l\u2019AAH au titre de l\u2019inactivit\u00e9<\/strong>.<\/p><p data-start=\"1018\" data-end=\"1183\">\u00a0<\/p><h3 data-start=\"1190\" data-end=\"1247\"><strong data-start=\"1194\" data-end=\"1247\">Cas 2 : vous percevez une retraite correcte<\/strong><\/h3><ul data-start=\"1248\" data-end=\"1523\"><li data-start=\"1248\" data-end=\"1318\"><p data-start=\"1250\" data-end=\"1318\">Si la retraite d\u00e9passe le plafond de l\u2019AAH, l\u2019allocation s\u2019arr\u00eate.<\/p><\/li><li data-start=\"1319\" data-end=\"1523\"><p data-start=\"1321\" data-end=\"1377\">Si la retraite est faible, vous pouvez b\u00e9n\u00e9ficier :<\/p><ul data-start=\"1380\" data-end=\"1523\"><li data-start=\"1380\" data-end=\"1456\"><p data-start=\"1382\" data-end=\"1456\">d\u2019un <strong data-start=\"1387\" data-end=\"1453\">compl\u00e9ment ASPA<\/strong>,<\/p><\/li><li data-start=\"1459\" data-end=\"1523\"><p data-start=\"1461\" data-end=\"1523\">ou conserver une <strong data-start=\"1478\" data-end=\"1497\">partie de l\u2019AAH<\/strong> si c\u2019est plus avantageux.<\/p><\/li><\/ul><\/li><\/ul><p data-start=\"1525\" data-end=\"1639\">\ud83d\udca1 La CAF compare automatiquement le montant de l\u2019AAH et celui de l\u2019ASPA et choisit la solution la plus favorable.<\/p><p data-start=\"1525\" data-end=\"1639\">\u00a0<\/p><p data-start=\"1525\" data-end=\"1639\"><span style=\"text-decoration: underline;\"><strong>\u00c0 ne pas oublier :<\/strong><\/span><\/p><ul><li data-start=\"1683\" data-end=\"1762\"><strong data-start=\"1765\" data-end=\"1791\">Demander ses retraites<\/strong> (m\u00eame si faibles), car cela conditionne le basculement vers l\u2019ASPA ou le maintien de l\u2019AAH.<\/li><li data-start=\"1886\" data-end=\"2019\"><p data-start=\"1888\" data-end=\"2019\">Si le taux d\u2019incapacit\u00e9 est inf\u00e9rieur \u00e0 80 %, <strong data-start=\"1934\" data-end=\"1968\">l\u2019AAH s\u2019arr\u00eate automatiquement<\/strong> \u00e0 l\u2019\u00e2ge l\u00e9gal, dans cette situation, vous pouvez faire votre demande au titre de l&rsquo;inaptitude.<\/p><\/li><\/ul><p data-start=\"1888\" data-end=\"2019\">\u00a0<\/p><p data-start=\"1888\" data-end=\"2019\"><span style=\"font-size: 1.7em; font-weight: bold;\">Pourquoi demander la reconnaissance d\u2019<\/span><strong style=\"font-size: 1.7em;\" data-start=\"1155\" data-end=\"1169\">inaptitude<\/strong><span style=\"font-size: 1.7em; font-weight: bold;\">\u00a0<\/span><\/p><p data-start=\"1172\" data-end=\"1221\">Car une personne reconnue <strong data-start=\"1198\" data-end=\"1219\">inapte au travail<\/strong> :<\/p><ul data-start=\"1222\" data-end=\"1481\"><li data-start=\"1222\" data-end=\"1299\"><p data-start=\"1224\" data-end=\"1299\">Peut <strong data-start=\"1229\" data-end=\"1265\">prendre sa retraite \u00e0 taux plein<\/strong>, m\u00eame sans tous ses trimestres,<\/p><\/li><li data-start=\"1300\" data-end=\"1368\"><p data-start=\"1302\" data-end=\"1368\">Peut <strong data-start=\"1307\" data-end=\"1331\">b\u00e9n\u00e9ficier de l\u2019ASPA<\/strong> \u00e0 l&rsquo;\u00e2ge l\u00e9gal si ses ressources restent faibles,<\/p><\/li><li data-start=\"1369\" data-end=\"1481\"><p data-start=\"1371\" data-end=\"1481\">Et dans certains cas, <strong data-start=\"1393\" data-end=\"1444\">conserver temporairement une AAH diff\u00e9rentielle<\/strong> (le temps du passage \u00e0 la retraite).<\/p><\/li><\/ul><p data-start=\"1483\" data-end=\"1639\">\ud83d\udc49 Donc, m\u00eame avec un taux d\u2019incapacit\u00e9 de <strong data-start=\"1526\" data-end=\"1543\">moins de 80 %<\/strong>, il est <strong data-start=\"1552\" data-end=\"1595\">tr\u00e8s important de demander l\u2019inaptitude<\/strong> avant ou au moment du d\u00e9part \u00e0 la retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ece275f e-con-full e-flex e-con e-child\" data-id=\"ece275f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1248713105\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1248713105\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-4b47d35 e-flex e-con-boxed e-con e-child\" data-id=\"4b47d35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d99145 e-con-full e-flex e-con e-child\" data-id=\"1d99145\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07e56b3 e-con-full e-flex e-con e-child\" data-id=\"07e56b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1381c6d elementor-widget elementor-widget-text-editor\" data-id=\"1381c6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La <strong data-start=\"2090\" data-end=\"2114\">pension d\u2019invalidit\u00e9<\/strong> (vers\u00e9e par la CPAM) est destin\u00e9e \u00e0 compenser la perte de revenus <strong data-start=\"2181\" data-end=\"2202\">avant la retraite<\/strong>.<\/p><p><span style=\"text-decoration: underline;\"><strong>\u00c0 l\u2019\u00e2ge l\u00e9gal de d\u00e9part \u00e0 la retraite :<\/strong><\/span><\/p><p data-start=\"2266\" data-end=\"2407\">La <strong data-start=\"2272\" data-end=\"2322\">pension d\u2019invalidit\u00e9 prend fin automatiquement<\/strong>.<br data-start=\"2323\" data-end=\"2326\" \/>Elle est alors <strong data-start=\"2341\" data-end=\"2406\">remplac\u00e9e par la retraite au titre de l\u2019inaptitude au travail<\/strong>.<\/p><p data-start=\"2409\" data-end=\"2446\">C\u2019est une <strong data-start=\"2419\" data-end=\"2439\">retraite de base<\/strong> mais :<\/p><ul data-start=\"2447\" data-end=\"2701\"><li data-start=\"2447\" data-end=\"2524\"><p data-start=\"2449\" data-end=\"2524\">Elle est <strong data-start=\"2458\" data-end=\"2521\">liquid\u00e9e automatiquement par la caisse d\u2019assurance retraite<\/strong>,<\/p><\/li><li data-start=\"2525\" data-end=\"2620\"><p data-start=\"2527\" data-end=\"2620\">Elle est <strong data-start=\"2536\" data-end=\"2568\">calcul\u00e9e \u00e0 taux plein (50 %)<\/strong>, m\u00eame si vous n\u2019avez pas tous vos trimestres,<\/p><\/li><li data-start=\"2621\" data-end=\"2701\"><p data-start=\"2623\" data-end=\"2701\">Et elle ouvre ensuite droit \u00e0 un <strong data-start=\"2656\" data-end=\"2675\">compl\u00e9ment ASPA<\/strong> si le montant de la retraite est faible.<\/p><\/li><\/ul><p><span style=\"text-decoration: underline;\"><strong>Points cl\u00e9s :<\/strong><\/span><\/p><ul data-start=\"2447\" data-end=\"2701\"><li data-start=\"2729\" data-end=\"2849\"><p data-start=\"2731\" data-end=\"2849\"><strong data-start=\"2731\" data-end=\"2758\">Aucune d\u00e9marche \u00e0 faire<\/strong> pour le passage invalidit\u00e9 \u2192 retraite : la CPAM et l&rsquo;Assurance Retraite se transmettent le dossier.<\/p><\/li><li data-start=\"2850\" data-end=\"2943\"><p data-start=\"2852\" data-end=\"2943\">Eventuelle demande d&rsquo;ASPA.<\/p><\/li><li data-start=\"2944\" data-end=\"3066\"><p data-start=\"2946\" data-end=\"3066\">Si vous avez \u00e9galement droit \u00e0 une AAH r\u00e9siduelle, vous pouvez parfois la conserver (si la retraite reste tr\u00e8s basse).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b4a642 e-con-full e-flex e-con e-child\" data-id=\"0b4a642\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56185c2 e-flex e-con-boxed e-con e-parent\" data-id=\"56185c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bacfcce e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"bacfcce\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mes-onglets2\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"195886286\" aria-label=\"Onglets. Ouvrez des \u00e9l\u00e9ments avec Entrer ou Espace, fermez-les avec Echape et naviguez \u00e0 l&#039;aide des touches fl\u00e9ch\u00e9es.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1958862861\" data-tab-title-id=\"e-n-tab-title-1958862861\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1958862861\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c2ge l\u00e9gal\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1958862862\" data-tab-title-id=\"e-n-tab-title-1958862862\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1958862862\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tPartir \u00e0 62ans\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1958862863\" data-tab-title-id=\"e-n-tab-title-1958862863\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1958862863\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVeuf \/ Veuve\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1958862864\" data-tab-title-id=\"e-n-tab-title-1958862864\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1958862864\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tASPA \/ SASPA\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1958862865\" data-tab-title-id=\"e-n-tab-title-1958862865\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1958862865\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tPolypensionn\u00e9\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1958862861\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1958862861\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-963af38 e-con-full e-flex e-con e-child\" data-id=\"963af38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-71667b5 e-flex e-con-boxed e-con e-child\" data-id=\"71667b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2549942 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"2549942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"352\" src=\"https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal-1024x352.jpg\" class=\"attachment-large size-large wp-image-459\" alt=\"\" srcset=\"https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal-1024x352.jpg 1024w, https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal-300x103.jpg 300w, https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal-768x264.jpg 768w, https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal-1536x528.jpg 1536w, https:\/\/facili-services.fr\/wp-content\/uploads\/2025\/10\/age-legal.jpg 1773w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1958862862\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1958862862\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-d98d69e e-con-full e-flex e-con e-child\" data-id=\"d98d69e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b6bb94e e-con-full e-flex e-con e-child\" data-id=\"b6bb94e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbbc813 e-con-full e-flex e-con e-child\" data-id=\"bbbc813\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3128a2 elementor-widget elementor-widget-text-editor\" data-id=\"e3128a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Certaines personnes peuvent\u00a0<strong data-start=\"491\" data-end=\"522\">partir plus t\u00f4t, d\u00e8s 62 ans<\/strong>\u00a0(voire avant) selon leur parcours ou leur \u00e9tat de sant\u00e9.<\/p><h2 data-start=\"586\" data-end=\"610\">\u2699\ufe0f 1. Carri\u00e8re longue<\/h2><p data-start=\"612\" data-end=\"673\">\ud83d\udc49 Pour les personnes ayant\u00a0<strong data-start=\"640\" data-end=\"672\">commenc\u00e9 \u00e0 travailler jeunes<\/strong>.<\/p><h3 data-start=\"675\" data-end=\"691\">Conditions :<\/h3><ul data-start=\"692\" data-end=\"818\"><li data-start=\"692\" data-end=\"782\"><p data-start=\"694\" data-end=\"782\">Avoir\u00a0<strong data-start=\"700\" data-end=\"723\">cotis\u00e9 suffisamment<\/strong>\u00a0pour une carri\u00e8re compl\u00e8te (tous les trimestres requis),<\/p><\/li><li data-start=\"783\" data-end=\"818\"><p data-start=\"785\" data-end=\"818\">Avoir\u00a0<strong data-start=\"791\" data-end=\"817\">travaill\u00e9 avant 20 ans<\/strong>.<\/p><\/li><\/ul><div class=\"ydp31be528e_tableContainer_1rjym_1\"><div class=\"ydp31be528egroup ydp31be528e_tableWrapper_1rjym_13 ydp31be528eflex ydp31be528ew-fit ydp31be528eflex-col-reverse\"><table class=\"ydp31be528ew-fit\" data-start=\"820\" data-end=\"1020\"><thead data-start=\"820\" data-end=\"880\"><tr data-start=\"820\" data-end=\"880\"><th data-start=\"820\" data-end=\"854\" data-col-size=\"sm\">\u00c2ge du premier trimestre valid\u00e9<\/th><th data-start=\"854\" data-end=\"880\" data-col-size=\"sm\">\u00c2ge possible de d\u00e9part<\/th><\/tr><\/thead><tbody data-start=\"943\" data-end=\"1020\"><tr data-start=\"943\" data-end=\"968\"><td data-start=\"943\" data-end=\"958\" data-col-size=\"sm\">Avant 20 ans<\/td><td data-col-size=\"sm\" data-start=\"958\" data-end=\"968\">62 ans<\/td><\/tr><tr data-start=\"969\" data-end=\"994\"><td data-start=\"969\" data-end=\"984\" data-col-size=\"sm\">Avant 18 ans<\/td><td data-col-size=\"sm\" data-start=\"984\" data-end=\"994\">60 ans<\/td><\/tr><tr data-start=\"995\" data-end=\"1020\"><td data-start=\"995\" data-end=\"1010\" data-col-size=\"sm\">Avant 16 ans<\/td><td data-col-size=\"sm\" data-start=\"1010\" data-end=\"1020\">58 ans<\/td><\/tr><\/tbody><\/table><\/div><\/div><p data-start=\"1022\" data-end=\"1138\">\ud83d\udca1 Exemple :<br data-start=\"1034\" data-end=\"1037\" \/>Quelqu\u2019un qui a commenc\u00e9 \u00e0 travailler \u00e0\u00a0<strong data-start=\"1077\" data-end=\"1087\">19 ans<\/strong>\u00a0et a tous ses trimestres cotis\u00e9s peut partir \u00e0\u00a0<strong data-start=\"1127\" data-end=\"1137\">62 ans<\/strong>.<\/p><hr data-start=\"1140\" data-end=\"1143\" \/><h2 data-start=\"1145\" data-end=\"1201\">\ud83e\udde0 2. D\u00e9part pour invalidit\u00e9 ou inaptitude au travail<\/h2><p data-start=\"1203\" data-end=\"1310\">\ud83d\udc49 Pour les personnes qui ne peuvent plus exercer d\u2019activit\u00e9 professionnelle \u00e0 cause de leur \u00e9tat de sant\u00e9.<\/p><h3 data-start=\"1312\" data-end=\"1333\">Sont concern\u00e9es :<\/h3><ul data-start=\"1334\" data-end=\"1461\"><li data-start=\"1334\" data-end=\"1384\"><p data-start=\"1336\" data-end=\"1384\">Les titulaires d\u2019une\u00a0<strong data-start=\"1357\" data-end=\"1381\">pension d\u2019invalidit\u00e9<\/strong>,<\/p><\/li><li data-start=\"1385\" data-end=\"1461\"><p data-start=\"1387\" data-end=\"1461\">Les personnes\u00a0<strong data-start=\"1401\" data-end=\"1433\">reconnues inaptes au travail<\/strong>\u00a0par l&rsquo;Assurance Retraite (ou la MDPH).<\/p><\/li><\/ul><h3 data-start=\"1463\" data-end=\"1487\">Ce que cela permet :<\/h3><ul data-start=\"1488\" data-end=\"1593\"><li data-start=\"1488\" data-end=\"1523\"><p data-start=\"1490\" data-end=\"1523\"><strong data-start=\"1490\" data-end=\"1520\">D\u00e9part possible d\u00e8s 62 ans<\/strong>,<\/p><\/li><li data-start=\"1524\" data-end=\"1593\"><p data-start=\"1526\" data-end=\"1593\"><strong data-start=\"1526\" data-end=\"1560\">Retraite calcul\u00e9e \u00e0 taux plein<\/strong>\u00a0(m\u00eame sans tous les trimestres).<\/p><\/li><\/ul><p data-start=\"1595\" data-end=\"1724\">\ud83d\udca1 \u00c0 demander lors du d\u00e9p\u00f4t du dossier de retraite :<br data-start=\"1647\" data-end=\"1650\" \/>une\u00a0<strong data-start=\"1654\" data-end=\"1676\">\u00e9tude d\u2019inaptitude<\/strong>\u00a0m\u00e9dicale (par le m\u00e9decin-conseil de la caisse).<\/p><hr data-start=\"1726\" data-end=\"1729\" \/><h2 data-start=\"1731\" data-end=\"1759\">\u267f 3. D\u00e9part pour handicap<\/h2><p data-start=\"1761\" data-end=\"1856\">\ud83d\udc49 Pour les personnes ayant travaill\u00e9 avec un\u00a0<strong data-start=\"1807\" data-end=\"1855\">taux d\u2019incapacit\u00e9 permanente d\u2019au moins 50 %<\/strong>.<\/p><h3 data-start=\"1858\" data-end=\"1874\">Conditions :<\/h3><ul data-start=\"1875\" data-end=\"2040\"><li data-start=\"1875\" data-end=\"1958\"><p data-start=\"1877\" data-end=\"1958\">Avoir travaill\u00e9 un certain\u00a0<strong data-start=\"1904\" data-end=\"1955\">nombre de trimestres en \u00e9tant reconnu handicap\u00e9<\/strong>,<\/p><\/li><li data-start=\"1959\" data-end=\"2040\"><p data-start=\"1961\" data-end=\"2040\">Fournir des justificatifs de reconnaissance (MDPH, pension d\u2019invalidit\u00e9, etc.).<\/p><\/li><\/ul><h3 data-start=\"2042\" data-end=\"2066\">Ce que cela permet :<\/h3><ul data-start=\"2067\" data-end=\"2171\"><li data-start=\"2067\" data-end=\"2171\"><p data-start=\"2069\" data-end=\"2171\"><strong data-start=\"2069\" data-end=\"2107\">D\u00e9part possible entre 55 et 62 ans<\/strong>, selon la dur\u00e9e d\u2019assurance cotis\u00e9e en situation de handicap.<\/p><\/li><\/ul><hr data-start=\"2173\" data-end=\"2176\" \/><h2 data-start=\"2178\" data-end=\"2269\">\u2692\ufe0f 4. D\u00e9part pour incapacit\u00e9 permanente (accident du travail ou maladie professionnelle)<\/h2><p data-start=\"2271\" data-end=\"2368\">\ud83d\udc49 Pour les personnes victimes d\u2019un\u00a0<strong data-start=\"2307\" data-end=\"2330\">accident du travail<\/strong>\u00a0ou d\u2019une\u00a0<strong data-start=\"2340\" data-end=\"2367\">maladie professionnelle<\/strong>.<\/p><h3 data-start=\"2370\" data-end=\"2386\">Conditions :<\/h3><ul data-start=\"2387\" data-end=\"2558\"><li data-start=\"2387\" data-end=\"2429\"><p data-start=\"2389\" data-end=\"2429\">Taux d\u2019incapacit\u00e9\u00a0<strong data-start=\"2407\" data-end=\"2426\">d\u2019au moins 20 %<\/strong>,<\/p><\/li><li data-start=\"2430\" data-end=\"2558\"><p data-start=\"2432\" data-end=\"2558\">Si le taux est entre\u00a0<strong data-start=\"2453\" data-end=\"2469\">10 % et 19 %<\/strong>, un d\u00e9part \u00e0\u00a0<strong data-start=\"2483\" data-end=\"2493\">62 ans<\/strong>\u00a0reste possible\u00a0<strong data-start=\"2509\" data-end=\"2557\">si l\u2019exposition \u00e0 la p\u00e9nibilit\u00e9 est reconnue<\/strong>.<\/p><\/li><\/ul><h3 data-start=\"2560\" data-end=\"2574\">Avantage :<\/h3><ul data-start=\"2575\" data-end=\"2682\"><li data-start=\"2575\" data-end=\"2623\"><p data-start=\"2577\" data-end=\"2623\"><strong data-start=\"2577\" data-end=\"2596\">D\u00e9part anticip\u00e9<\/strong>\u00a0(parfois \u00e0 60 ou 62 ans)<\/p><\/li><li data-start=\"2624\" data-end=\"2682\"><p data-start=\"2626\" data-end=\"2682\"><strong data-start=\"2626\" data-end=\"2652\">Taux plein automatique<\/strong>\u00a0sans condition de trimestres.<\/p><\/li><\/ul><hr data-start=\"2684\" data-end=\"2687\" \/><h2 data-start=\"2689\" data-end=\"2762\">\u23f3 5. D\u00e9part pour p\u00e9nibilit\u00e9 (Compte professionnel de pr\u00e9vention \u2013 C2P)<\/h2><p data-start=\"2764\" data-end=\"2928\">\ud83d\udc49 Pour les salari\u00e9s expos\u00e9s longtemps \u00e0 des\u00a0<strong data-start=\"2809\" data-end=\"2843\">conditions de travail p\u00e9nibles<\/strong>\u00a0:<br \/>travail de nuit, bruit, gestes r\u00e9p\u00e9titifs, port de charges, temp\u00e9ratures extr\u00eames\u2026<\/p><h3 data-start=\"2930\" data-end=\"2950\">Fonctionnement :<\/h3><ul data-start=\"2951\" data-end=\"3143\"><li data-start=\"2951\" data-end=\"3023\"><p data-start=\"2953\" data-end=\"3023\">Chaque facteur de risque donne droit \u00e0 des\u00a0<strong data-start=\"2996\" data-end=\"3020\">points de p\u00e9nibilit\u00e9<\/strong>.<\/p><\/li><li data-start=\"3024\" data-end=\"3143\"><p data-start=\"3026\" data-end=\"3065\">Ces points peuvent \u00eatre utilis\u00e9s pour\u00a0partir\u00a0<strong data-start=\"3077\" data-end=\"3103\">jusqu\u2019\u00e0 2 ans plus t\u00f4t<\/strong>,\u00a0<\/p><\/li><\/ul><h2 data-start=\"244\" data-end=\"291\">Qui ouvre le compte p\u00e9nibilit\u00e9 (C2P) ?<\/h2><p data-start=\"292\" data-end=\"466\">\u27a1\ufe0f\u00a0<strong data-start=\"295\" data-end=\"325\">C\u2019est toujours l\u2019employeur<\/strong>\u00a0qui d\u00e9clare les expositions aux facteurs de risques professionnels.<br data-start=\"393\" data-end=\"396\" \/>Le salari\u00e9\u00a0<strong data-start=\"407\" data-end=\"465\">n\u2019a aucune d\u00e9marche \u00e0 faire pour l\u2019ouverture du compte<\/strong>.<\/p><ul data-start=\"468\" data-end=\"665\"><li data-start=\"468\" data-end=\"585\"><p data-start=\"470\" data-end=\"585\">L\u2019employeur doit d\u00e9clarer, chaque ann\u00e9e, si le salari\u00e9 a \u00e9t\u00e9 expos\u00e9 \u00e0 un ou plusieurs\u00a0<strong data-start=\"556\" data-end=\"582\">facteurs de p\u00e9nibilit\u00e9<\/strong>.<\/p><\/li><li data-start=\"586\" data-end=\"665\"><p data-start=\"588\" data-end=\"665\">Ces d\u00e9clarations sont faites via la\u00a0<strong data-start=\"624\" data-end=\"664\">DSN (D\u00e9claration Sociale Nominative)<\/strong>.<\/p><\/li><li data-start=\"586\" data-end=\"665\">Chaque ann\u00e9e d\u2019exposition donne droit \u00e0 des <strong data-start=\"1277\" data-end=\"1301\">points de pr\u00e9vention<\/strong><\/li><\/ul><p data-start=\"667\" data-end=\"757\">D\u00e8s qu\u2019une exposition est signal\u00e9e, le\u00a0<strong data-start=\"706\" data-end=\"756\">compte C2P du salari\u00e9 est cr\u00e9\u00e9 automatiquement<\/strong>.<\/p><hr data-start=\"3145\" data-end=\"3148\" \/><h2 data-start=\"3150\" data-end=\"3189\">\ud83d\udcb6 6. Et si la retraite est faible ?<\/h2><ul data-start=\"3191\" data-end=\"3437\"><li data-start=\"3191\" data-end=\"3437\"><p data-start=\"3193\" data-end=\"3315\">Apr\u00e8s le d\u00e9part \u00e0 62 ans (ou plus tard),<br data-start=\"3233\" data-end=\"3236\" \/>si la retraite est\u00a0<strong data-start=\"3257\" data-end=\"3286\">inf\u00e9rieure \u00e0 1 012 \u20ac\/mois<\/strong>, la personne peut demander l&rsquo;ASPA.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3197267 e-con-full e-flex e-con e-child\" data-id=\"3197267\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1958862863\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1958862863\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-21b7b6d e-con-full e-flex e-con e-child\" data-id=\"21b7b6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bcca681 e-con-full e-flex e-con e-child\" data-id=\"bcca681\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db1833b e-con-full e-flex e-con e-child\" data-id=\"db1833b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15e1c6f elementor-widget elementor-widget-text-editor\" data-id=\"15e1c6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"947\" data-end=\"1017\">La\u00a0<span data-start=\"1189\" data-end=\"1213\">pension de r\u00e9version<\/span>\u00a0est une\u00a0<span data-start=\"1222\" data-end=\"1257\">partie de la retraite du d\u00e9funt<\/span>\u00a0vers\u00e9e \u00e0 son conjoint survivant, sous certaines conditions.<\/p><h3 data-start=\"1324\" data-end=\"1376\">Si votre conjoint.e \u00e9tait d\u00e9j\u00e0 retrait\u00e9.e<\/h3><p data-start=\"1324\" data-end=\"1376\">Vous pouvez demander la <span data-start=\"1417\" data-end=\"1441\">pension de r\u00e9version<\/span>\u00a0imm\u00e9diatement.<\/p><ul data-start=\"1458\" data-end=\"1620\"><li data-start=\"1458\" data-end=\"1553\"><p data-start=\"1460\" data-end=\"1553\">Elle repr\u00e9sente\u00a0<span data-start=\"1476\" data-end=\"1484\">54 %<\/span>\u00a0de la retraite de base que percevait (ou aurait per\u00e7ue) le d\u00e9funt.<\/p><\/li><li data-start=\"1554\" data-end=\"1620\"><p data-start=\"1556\" data-end=\"1620\">Elle est vers\u00e9e\u00a0<span data-start=\"1572\" data-end=\"1581\">\u00e0 vie<\/span>, sauf remariage (dans certains cas).<\/p><\/li><\/ul><hr data-start=\"1622\" data-end=\"1625\" \/><h3 data-start=\"1627\" data-end=\"1721\">Si votre conjoint travaillait ou avait travaill\u00e9 sans \u00eatre encore \u00e0 la retraite<\/h3><p data-start=\"1627\" data-end=\"1721\">\u00a0La r\u00e9version reste possible, car il\/elle avait\u00a0<span data-start=\"1776\" data-end=\"1796\">cotis\u00e9 \u00e0 l\u2019Assurance retraite<\/span>.<br data-start=\"1797\" data-end=\"1800\" \/>La caisse calcule alors\u00a0<span data-start=\"1822\" data-end=\"1861\">la retraite qu\u2019aurait eu le d\u00e9funt<\/span>\u00a0et verse\u00a0<span data-start=\"1871\" data-end=\"1893\">54 % de ce montant<\/span>.<\/p><hr data-start=\"1896\" data-end=\"1899\" \/><h3 data-start=\"1901\" data-end=\"1963\">Conditions pour la pension de r\u00e9version (r\u00e9gime CNAV)<\/h3><div class=\"ydpd3095ec1_tableContainer_1rjym_1\"><div class=\"ydpd3095ec1group ydpd3095ec1_tableWrapper_1rjym_13 ydpd3095ec1flex ydpd3095ec1w-fit ydpd3095ec1flex-col-reverse\"><table class=\"ydpd3095ec1w-fit\" data-start=\"1965\" data-end=\"2350\"><thead data-start=\"1965\" data-end=\"1987\"><tr data-start=\"1965\" data-end=\"1987\"><th data-start=\"1965\" data-end=\"1977\" data-col-size=\"sm\">Condition<\/th><th data-start=\"1977\" data-end=\"1987\" data-col-size=\"md\">D\u00e9tail<\/th><\/tr><\/thead><tbody data-start=\"2012\" data-end=\"2350\"><tr data-start=\"2012\" data-end=\"2058\"><td data-start=\"2012\" data-end=\"2030\" data-col-size=\"sm\"><span data-start=\"2014\" data-end=\"2029\">\u00c2ge minimum<\/span><\/td><td data-col-size=\"md\" data-start=\"2030\" data-end=\"2058\"><span data-start=\"2032\" data-end=\"2042\">55 ans<\/span>\u00a0(depuis 2009)<\/td><\/tr><tr data-start=\"2059\" data-end=\"2176\"><td data-start=\"2059\" data-end=\"2085\" data-col-size=\"sm\"><span data-start=\"2061\" data-end=\"2084\">Situation familiale<\/span><\/td><td data-col-size=\"md\" data-start=\"2085\" data-end=\"2176\">Avoir \u00e9t\u00e9\u00a0<span data-start=\"2097\" data-end=\"2106\">mari\u00e9<\/span>\u00a0avec la personne d\u00e9c\u00e9d\u00e9e\u00a0<em data-start=\"2132\" data-end=\"2174\">(concubinage ou PACS non pris en compte)<\/em><\/td><\/tr><tr data-start=\"2177\" data-end=\"2246\"><td data-start=\"2177\" data-end=\"2194\" data-col-size=\"sm\"><span data-start=\"2179\" data-end=\"2193\">Ressources<\/span><\/td><td data-col-size=\"md\" data-start=\"2194\" data-end=\"2246\">Ne pas d\u00e9passer un\u00a0<span data-start=\"2215\" data-end=\"2244\">plafond annuel de revenus<\/span><\/td><\/tr><tr data-start=\"2247\" data-end=\"2350\"><td data-start=\"2247\" data-end=\"2277\" data-col-size=\"sm\"><span data-start=\"2249\" data-end=\"2276\">Nationalit\u00e9 \/ r\u00e9sidence<\/span><\/td><td data-col-size=\"md\" data-start=\"2277\" data-end=\"2350\">R\u00e9sider en France ou dans un pays avec convention de s\u00e9curit\u00e9 sociale<\/td><\/tr><\/tbody><\/table><\/div><\/div><hr data-start=\"2352\" data-end=\"2355\" \/><h3 data-start=\"2357\" data-end=\"2401\">Plafond de ressources (2025)<\/h3><ul data-start=\"2402\" data-end=\"2536\"><li data-start=\"2402\" data-end=\"2449\"><p data-start=\"2404\" data-end=\"2449\"><span data-start=\"2404\" data-end=\"2423\">23 800 \u20ac par an<\/span>\u00a0pour une personne seule<\/p><\/li><li data-start=\"2450\" data-end=\"2536\"><p data-start=\"2452\" data-end=\"2536\"><span data-start=\"2452\" data-end=\"2471\">38 080 \u20ac par an<\/span> si la personne vit en couple (nouvelle union, concubinage, etc.)<\/p><\/li><\/ul><p data-start=\"2452\" data-end=\"2536\"><span style=\"font-size: 16px;\">\u00a0Tous les revenus sont pris en compte : salaires, pensions, revenus fonciers, etc.<\/span><\/p><p data-start=\"2538\" data-end=\"2686\">Mais\u00a0<span data-start=\"2632\" data-end=\"2651\">certaines aides<\/span>\u00a0(comme le RSA, l\u2019AAH et l\u2019APL)\u00a0<span data-start=\"2666\" data-end=\"2685\">ne comptent pas<\/span>.<\/p><hr data-start=\"2688\" data-end=\"2691\" \/><h3 data-start=\"2693\" data-end=\"2738\">Si le d\u00e9funt avait plusieurs r\u00e9gimes<\/h3><p data-start=\"2693\" data-end=\"2738\">Vous devez <span data-start=\"2762\" data-end=\"2802\">faire une demande dans chaque r\u00e9gime<\/span>\u00a0(base + compl\u00e9mentaire).<\/p><p data-start=\"2829\" data-end=\"3004\">Cependant, pour les r\u00e9gimes <span data-start=\"2860\" data-end=\"2871\">align\u00e9s<\/span>\u00a0(CNAV, MSA salari\u00e9s, SSI),<br data-start=\"2898\" data-end=\"2901\" \/><img decoding=\"async\" class=\"ydpd3095ec1emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" width=\"21\" height=\"21\" data-inlineimagemanipulating=\"true\" \/>\u00a0une\u00a0<span data-start=\"2908\" data-end=\"2926\">demande unique<\/span>\u00a0suffit : elle sera transmise automatiquement \u00e0 toutes les caisses concern\u00e9es.<\/p><h3 data-start=\"328\" data-end=\"382\">D\u00e9marches concr\u00e8tes pour la pension de r\u00e9version<\/h3><p data-start=\"384\" data-end=\"652\">Si votre conjoint.e est d\u00e9c\u00e9d\u00e9.e, vous pouvez\u00a0<span data-start=\"442\" data-end=\"479\">demander une pension de r\u00e9version<\/span>\u00a0aupr\u00e8s de l\u2019assurance (ou du r\u00e9gime dont d\u00e9pendait la personne).<br data-start=\"544\" data-end=\"547\" \/><span data-start=\"550\" data-end=\"580\">Je suis l\u00e0 pour vous aider<\/span>\u00a0\u00e0\u00a0 constituer votre dossier.<\/p><h4 data-start=\"1428\" data-end=\"1491\">Pi\u00e8ces \u00e0 fournir pour la demande de pension de r\u00e9version<\/h4><p data-start=\"1492\" data-end=\"1569\">Pr\u00e9parez les documents suivants :<\/p><ul data-start=\"1571\" data-end=\"1939\"><li data-start=\"1571\" data-end=\"1598\"><p data-start=\"1573\" data-end=\"1598\"><span data-start=\"1576\" data-end=\"1596\">Pi\u00e8ce d\u2019identit\u00e9<\/span><\/p><\/li><li data-start=\"1599\" data-end=\"1635\"><p data-start=\"1601\" data-end=\"1635\"><span data-start=\"1604\" data-end=\"1621\">Acte de naissance<\/span> du d\u00e9funt<\/p><\/li><li data-start=\"1636\" data-end=\"1695\"><p data-start=\"1638\" data-end=\"1695\"><span data-start=\"1647\" data-end=\"1668\">Livret de famille<\/span>\u00a0ou\u00a0<span data-start=\"1672\" data-end=\"1693\">preuve du mariage<\/span><\/p><\/li><li data-start=\"1696\" data-end=\"1755\"><p data-start=\"1698\" data-end=\"1755\"><span data-start=\"1701\" data-end=\"1724\">Relev\u00e9 de carri\u00e8re<\/span>\u00a0du d\u00e9funt<i>\u00a0(si disponible)<\/i><\/p><\/li><li data-start=\"1756\" data-end=\"1840\"><p data-start=\"1758\" data-end=\"1840\"><span data-start=\"1761\" data-end=\"1797\">Justificatifs de revenus r\u00e9cents<\/span>\u00a0(avis d\u2019imposition, pensions, salaires\u2026)<\/p><\/li><li data-start=\"1841\" data-end=\"1898\"><p data-start=\"1843\" data-end=\"1898\"><span data-start=\"1846\" data-end=\"1853\">RIB<\/span>\u00a0(compte sur lequel la pension sera vers\u00e9e)<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86c997c e-con-full e-flex e-con e-child\" data-id=\"86c997c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1958862864\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1958862864\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-c3657fe e-flex e-con-boxed e-con e-child\" data-id=\"c3657fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab05c0e e-con-full e-flex e-con e-child\" data-id=\"ab05c0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdfd7ce e-con-full e-flex e-con e-child\" data-id=\"bdfd7ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-706a155 elementor-widget elementor-widget-text-editor\" data-id=\"706a155\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"947\" data-end=\"1017\">L\u2019ASPA remplace ce qu\u2019on appelait avant le \u00ab minimum vieillesse \u00bb.<\/p><h4 data-start=\"1019\" data-end=\"1039\"><span style=\"text-decoration: underline;\"><strong>\u00a0Conditions :<\/strong><\/span><\/h4><ul data-start=\"1040\" data-end=\"1254\"><li data-start=\"1040\" data-end=\"1176\"><p data-start=\"1042\" data-end=\"1176\">Avoir\u00a0<span data-start=\"1048\" data-end=\"1067\">au moins 65 ans<\/span>,<br data-start=\"1068\" data-end=\"1071\" \/><em data-start=\"1073\" data-end=\"1174\">(ou d\u00e8s l\u2019\u00e2ge l\u00e9gal de la retraite si vous \u00eates reconnu inapte au travail ou invalidit\u00e9)<\/em><\/p><\/li><li data-start=\"1177\" data-end=\"1219\"><p data-start=\"1179\" data-end=\"1219\">R\u00e9sider\u00a0<span data-start=\"1187\" data-end=\"1216\">de fa\u00e7on stable en France<\/span>.<\/p><\/li><li data-start=\"1220\" data-end=\"1254\"><p data-start=\"1222\" data-end=\"1254\">Avoir de\u00a0<span data-start=\"1231\" data-end=\"1253\">faibles ressources<\/span>.<\/p><\/li><\/ul><h4 data-start=\"1256\" data-end=\"1290\"><img decoding=\"async\" class=\"ydpafd9a983emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4b6.svg\" alt=\"\ud83d\udcb6\" width=\"24\" height=\"24\" data-inlineimagemanipulating=\"true\" \/>\u00a0Montants (2025, environ) :<\/h4><ul data-start=\"1291\" data-end=\"1389\"><li data-start=\"1291\" data-end=\"1348\"><p data-start=\"1293\" data-end=\"1348\"><span data-start=\"1293\" data-end=\"1313\">1 012 \u20ac par mois<\/span>\u00a0maximum pour une personne seule,<\/p><\/li><li data-start=\"1349\" data-end=\"1389\"><p data-start=\"1351\" data-end=\"1389\"><span data-start=\"1351\" data-end=\"1371\">1 573 \u20ac par mois<\/span>\u00a0pour un couple.<\/p><\/li><\/ul><p data-start=\"1391\" data-end=\"1477\">Si votre retraite est inf\u00e9rieure \u00e0 ces montants,\u00a0<span data-start=\"1440\" data-end=\"1459\">l\u2019ASPA compl\u00e8te<\/span>\u00a0jusqu\u2019\u00e0 ce seuil.<\/p><h3 data-start=\"1391\" data-end=\"1477\"><span style=\"text-decoration: underline;\"><strong>D\u00e9marches \u00e0 faire :<\/strong><\/span>\u00a0<\/h3><ol data-start=\"1512\" data-end=\"1844\"><li data-start=\"1512\" data-end=\"1596\"><p data-start=\"1515\" data-end=\"1596\"><span data-start=\"1515\" data-end=\"1550\">Faire toutes vos demandes de retraites<\/span>\u00a0aupr\u00e8s de vos diff\u00e9rentes caisses (Carsat, MSA, etc.).<\/p><\/li><li data-start=\"1597\" data-end=\"1772\"><p data-start=\"1600\" data-end=\"1653\"><span data-start=\"1600\" data-end=\"1631\">Une fois la retraite vers\u00e9e<\/span>, si elle est faible :<\/p><ul data-start=\"1657\" data-end=\"1772\"><li data-start=\"1657\" data-end=\"1772\"><p data-start=\"1659\" data-end=\"1772\">Faire une\u00a0<span data-start=\"1669\" data-end=\"1687\">demande d\u2019ASPA<\/span>\u00a0aupr\u00e8s de la\u00a0<span data-start=\"1701\" data-end=\"1723\">Caisse de retraite<\/span>\u00a0<\/p><\/li><\/ul><\/li><li data-start=\"1773\" data-end=\"1844\"><p data-start=\"1776\" data-end=\"1844\">L\u2019ASPA sera\u00a0<span data-start=\"1788\" data-end=\"1810\">vers\u00e9e chaque mois<\/span>, cumul\u00e9e \u00e0 votre petite retraite.<\/p><\/li><\/ol><h3><span style=\"text-decoration: underline;\"><strong>Attention, points importants :<\/strong><\/span><\/h3><p>L\u2019ASPA n\u2019est\u00a0<span data-start=\"1905\" data-end=\"1933\">pas un droit automatique<\/span>\u00a0: il faut\u00a0<span data-start=\"1944\" data-end=\"1959\">la demander<\/span>.<br data-start=\"1960\" data-end=\"1963\" \/>Et \u00e0 votre d\u00e9c\u00e8s,\u00a0<span data-start=\"1981\" data-end=\"2033\">une partie peut \u00eatre r\u00e9cup\u00e9r\u00e9e sur la succession<\/span>\u00a0(si votre patrimoine d\u00e9passe 39 000 \u20ac).<\/p><p>\u00a0M\u00eame si vous pensez \u00ab ne rien avoir cotis\u00e9 \u00bb, vous devez\u00a0<span data-start=\"2344\" data-end=\"2376\">faire la d\u00e9marche officielle<\/span>\u00a0aupr\u00e8s de l\u2019Assurance retraite.<br data-start=\"2408\" data-end=\"2411\" \/>S\u2019il n\u2019y a aucun droit, la Caisse de retraite \u00e9mettra une\u00a0<span data-start=\"2469\" data-end=\"2497\">attestation de non-droit<\/span>, indispensable pour obtenir le\u00a0<span data-start=\"2529\" data-end=\"2538\">SASPA<\/span>.<\/p><h3><strong>Qu\u2019est ce que le SASPA ? (Service de l\u2019Allocation de Solidarit\u00e9 aux Personnes \u00c2g\u00e9es)<\/strong><\/h3><p>C\u2019est une\u00a0<span data-start=\"600\" data-end=\"616\">forme d\u2019ASPA<\/span>\u00a0vers\u00e9e\u00a0<span data-start=\"624\" data-end=\"664\">directement par la Caisse des d\u00e9p\u00f4ts<\/span>,\u00a0<span data-start=\"666\" data-end=\"714\">pour les personnes qui n\u2019ont pas de retraite<\/span>\u00a0(aucun r\u00e9gime de base), donc aucune cotisation. La demande se fait aupr\u00e8s de la Mairie de votre ville.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd8e039 e-con-full e-flex e-con e-child\" data-id=\"dd8e039\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1958862865\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1958862865\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-3b0e34e e-flex e-con-boxed e-con e-child\" data-id=\"3b0e34e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e0a9db9 e-con-full e-flex e-con e-child\" data-id=\"e0a9db9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5904e1 e-con-full e-flex e-con e-child\" data-id=\"a5904e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffb9ce8 elementor-widget elementor-widget-text-editor\" data-id=\"ffb9ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une personne est\u00a0<span data-start=\"413\" data-end=\"431\">polypensionn\u00e9e<\/span>\u00a0si elle a\u00a0<span data-start=\"442\" data-end=\"492\">cotis\u00e9 \u00e0 plusieurs r\u00e9gimes de retraite de base<\/span>\u00a0au cours de sa vie.<\/p><p data-start=\"1977\" data-end=\"2094\"><strong>Les\u00a0r\u00e9gimes de base align\u00e9s\u00a0(CNAV, MSA salari\u00e9s, SSI\/ex-RSI)<\/strong><br data-start=\"2041\" data-end=\"2044\" \/>\u2192\u00a0<span data-start=\"2048\" data-end=\"2091\">coordonnent leurs droits automatiquement<\/span>.<\/p><ul data-start=\"2097\" data-end=\"2246\"><li data-start=\"2097\" data-end=\"2180\"><p data-start=\"2099\" data-end=\"2180\">On ne fait\u00a0<span data-start=\"2110\" data-end=\"2134\">qu\u2019une seule demande<\/span>\u00a0: un seul dossier couvre ces trois r\u00e9gimes.<\/p><\/li><li data-start=\"2183\" data-end=\"2246\"><p data-start=\"2185\" data-end=\"2246\">La date de d\u00e9part est\u00a0<span data-start=\"2207\" data-end=\"2218\">la m\u00eame<\/span>\u00a0pour ces r\u00e9gimes align\u00e9s.<\/p><\/li><\/ul><p data-start=\"2445\" data-end=\"2516\"><strong>Si vous avez aussi cotis\u00e9 \u00e0\u00a0un autre r\u00e9gime non align\u00e9, comme :<\/strong><\/p><ul data-start=\"2517\" data-end=\"2679\"><li data-start=\"2517\" data-end=\"2566\"><p data-start=\"2519\" data-end=\"2566\">La\u00a0<span data-start=\"2522\" data-end=\"2543\">fonction publique<\/span>\u00a0(CNRACL, SRE, etc.),<\/p><\/li><li data-start=\"2567\" data-end=\"2618\"><p data-start=\"2569\" data-end=\"2618\">Les\u00a0<span data-start=\"2573\" data-end=\"2598\">professions lib\u00e9rales<\/span>\u00a0(CNAVPL, CIPAV\u2026),<\/p><\/li><li data-start=\"2619\" data-end=\"2679\"><p data-start=\"2621\" data-end=\"2679\">Ou le\u00a0<span data-start=\"2627\" data-end=\"2676\">r\u00e9gime agricole non salari\u00e9 (MSA non salari\u00e9)<\/span>,<\/p><\/li><\/ul><p data-start=\"2681\" data-end=\"2756\"><img loading=\"lazy\" decoding=\"async\" class=\"ydp27e55dd4emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" width=\"24\" height=\"24\" data-inlineimagemanipulating=\"true\" \/>\u00a0alors\u00a0<span data-start=\"2690\" data-end=\"2736\">chaque r\u00e9gime peut \u00eatre liquid\u00e9 s\u00e9par\u00e9ment<\/span>, \u00e0 la date choisie.<\/p><h3 data-start=\"3743\" data-end=\"3766\">En r\u00e9sum\u00e9 simple :<\/h3><blockquote data-start=\"3768\" data-end=\"4107\"><p data-start=\"3770\" data-end=\"3932\"><img loading=\"lazy\" decoding=\"async\" class=\"ydp27e55dd4emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f464.svg\" alt=\"\ud83d\udc64\" width=\"24\" height=\"24\" data-inlineimagemanipulating=\"true\" \/>\u00a0Un polypensionn\u00e9 peut avoir ses\u00a0<span data-start=\"3805\" data-end=\"3842\">retraites \u00e0 des dates diff\u00e9rentes<\/span>,<br data-start=\"3843\" data-end=\"3846\" \/>mais\u00a0<span data-start=\"3853\" data-end=\"3903\">seulement si les r\u00e9gimes ne sont pas \u201calign\u00e9s\u201d<\/span>\u00a0(CNAV, MSA salari\u00e9s, SSI).<\/p><p data-start=\"3937\" data-end=\"4030\"><img loading=\"lazy\" decoding=\"async\" class=\"ydp27e55dd4emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" width=\"24\" height=\"24\" data-inlineimagemanipulating=\"true\" \/>\u00a0R\u00e9gimes align\u00e9s \u2192 d\u00e9part unique.<br data-start=\"3972\" data-end=\"3975\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ydp27e55dd4emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" width=\"24\" height=\"24\" data-inlineimagemanipulating=\"true\" \/>\u00a0R\u00e9gimes diff\u00e9rents \u2192 d\u00e9parts diff\u00e9r\u00e9s possibles.<\/p><p data-start=\"4035\" data-end=\"4107\"><img loading=\"lazy\" decoding=\"async\" class=\"ydp27e55dd4emoji\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/26a0.svg\" alt=\"\u26a0\ufe0f\" width=\"25\" height=\"25\" data-inlineimagemanipulating=\"true\" \/>\u00a0L\u2019ASPA n\u2019est vers\u00e9e qu\u2019apr\u00e8s\u00a0<span data-start=\"4067\" data-end=\"4106\">liquidation de toutes les retraites<\/span>.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63219c4 e-con-full e-flex e-con e-child\" data-id=\"63219c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Accompagnement Retraite Les d\u00e9marches \u00e0 anticiper avant votre Retraite Avant de d\u00e9poser votre demande, certaines v\u00e9rifications et d\u00e9marches sont indispensables 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