{"id":371,"date":"2014-10-21T16:34:34","date_gmt":"2014-10-21T14:34:34","guid":{"rendered":"http:\/\/www.peoplesphere.be\/wp\/?p=371"},"modified":"2015-01-19T12:40:00","modified_gmt":"2015-01-19T10:40:00","slug":"la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte","status":"publish","type":"post","link":"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/","title":{"rendered":"La r\u00e9forme des pensions et vos r\u00e9gimes d\u2019assurance-groupe: besoin de clart\u00e9!"},"content":{"rendered":"
Nul doute que les d\u00e9partements Payroll et Comp&Ben seront rapidement assaillis de questions \u00e9manant de nos collaborateurs\u2026<\/div>\n

Comme le signale F\u00e9d\u00e9rale Assurance via communiqu\u00e9, \u00ab\u00a0l\u2019allongement progressif de l\u2019\u00e2ge l\u00e9gal de la retraite, port\u00e9 de 65 \u00e0 67 ans, aura un impact certain sur nombre de travailleurs et d\u2019entreprises notamment en mati\u00e8re de pensions compl\u00e9mentaires et d\u2019assurance-groupe. Les assur\u00e9s ont besoin de certitudes quant \u00e0 leurs pensions compl\u00e9mentaires ou \u00e0 leurs assurances-groupe par exemple au niveau fiscal ou au niveau du terme de leur contrat. De plus les assur\u00e9s doivent pouvoir b\u00e9n\u00e9ficier d\u2019une protection en cas de maladie ou d\u2019hospitalisation pendant toute leur carri\u00e8re professionnelle.\u00a0\u00bb<\/em><\/p>\n

L\u2019attente est r\u00e9elle. Plusieurs questions pratiques se posent d\u00e8s \u00e0 pr\u00e9sent et pointent le besoin de clarification rapide de la part du nouveau gouvernement. F\u00e9d\u00e9rale Assurance pointe quelques questions, de mani\u00e8re non exhaustive. Celles-ci m\u00e9riteront certainement notre attention au cours des prochains mois.<\/p>\n

En mati\u00e8re d\u2019assurance-groupe pour travailleurs salari\u00e9s, l\u2019\u00e2ge l\u00e9gal actuel de la retraite, c\u2019est-\u00e0-dire 65 ans, est pris en consid\u00e9ration comme date d\u2019\u00e9ch\u00e9ance du paiement du capital de pension compl\u00e9mentaire et est aussi obligatoirement retenu comme date de r\u00e9f\u00e9rence pour le calcul des prestations et des r\u00e9serves acquises. C\u2019est \u00e9galement le terme contractuel de l\u2019engagement de l\u2019assureur. Ce cap des 65 ans sera-t-il maintenu ou sera-t-il repouss\u00e9 \u00e0 67 ans?
\nDe mani\u00e8re concomitante, 65 ans est \u00e9galement l\u2019\u00e2ge o\u00f9 une personne affili\u00e9e \u00e0 un r\u00e9gime de pension compl\u00e9mentaire pourra percevoir son capital dans les conditions fiscales les plus favorables s\u2019il est effectivement encore actif \u00e0 cet \u00e2ge. Cela deviendra-t-il 67 ans? L\u00e0 aussi, il reste un flou certain dans les modalit\u00e9s pratiques de la r\u00e9forme. <\/p>\n

En mati\u00e8re d\u2019assurances compl\u00e9mentaires pour ind\u00e9pendants et dirigeants d\u2019entreprise, 65 ans constitue \u00e0 l\u2019heure actuelle l\u2019\u00e2ge normal de retraite habituellement utilis\u00e9 dans les conventions PCLI (Pension Compl\u00e9mentaire Libre pour Ind\u00e9pendant) et EIP (Engagement Individuel de Pension) mais aussi comme date d\u2019\u00e9ch\u00e9ance pour le paiement des prestations compl\u00e9mentaires en cas d\u2019incapacit\u00e9 de travail. <\/p>\n

Gageons que les futures mesures gouvernementales offriront \u00e0 toutes les personnes et organisations concern\u00e9es la s\u00e9curit\u00e9 juridique qu\u2019elles sont en droit d\u2019attendre…<\/p>\n","protected":false},"excerpt":{"rendered":"

Nul doute que les d\u00e9partements Payroll et Comp&Ben seront rapidement assaillis de questions \u00e9manant de nos collaborateurs\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[65],"tags":[],"yoast_head":"\nLa r\u00e9forme des pensions et vos r\u00e9gimes d\u2019assurance-groupe: besoin de clart\u00e9! - Peoplesphere<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La r\u00e9forme des pensions et vos r\u00e9gimes d\u2019assurance-groupe: besoin de clart\u00e9! - Peoplesphere\" \/>\n<meta property=\"og:description\" content=\"Nul doute que les d\u00e9partements Payroll et Comp&Ben seront rapidement assaillis de questions \u00e9manant de nos collaborateurs\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\" \/>\n<meta property=\"og:site_name\" content=\"Peoplesphere\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/peoplesphere\" \/>\n<meta property=\"article:published_time\" content=\"2014-10-21T14:34:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-01-19T10:40:00+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.peoplesphere.be\/fr\/wp-content\/uploads\/2016\/07\/facebook-default-posting-1200x628px.jpg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PeoplesphereMag\" \/>\n<meta name=\"twitter:site\" content=\"@PeoplesphereMag\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/#\/schema\/person\/31e983479d7c6c2adc52372e64a85ae6\"},\"headline\":\"La r\u00e9forme des pensions et vos r\u00e9gimes d\u2019assurance-groupe: besoin de clart\u00e9!\",\"datePublished\":\"2014-10-21T14:34:34+00:00\",\"dateModified\":\"2015-01-19T10:40:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\"},\"wordCount\":411,\"publisher\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/#organization\"},\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\",\"url\":\"https:\/\/peoplesphere.be\/fr\/la-reforme-des-pensions-et-vos-regimes-dassurance-groupe-besoin-de-clarte\/\",\"name\":\"La r\u00e9forme des pensions et vos r\u00e9gimes d\u2019assurance-groupe: besoin de clart\u00e9! 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