{"id":29813,"date":"2018-03-22T17:01:51","date_gmt":"2018-03-22T16:01:51","guid":{"rendered":"http:\/\/entrecourtiers.pro\/communication\/?page_id=29340"},"modified":"2018-12-11T09:42:33","modified_gmt":"2018-12-11T08:42:33","slug":"dematerialisation-2-2","status":"publish","type":"page","link":"https:\/\/entrecourtiers.pro\/communication\/demande-detude-premaretraite-83\/","title":{"rendered":"Demande d&rsquo;\u00e9tude PREMARETRAITE 83"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb70&Prime; screen_normal_resolution=\u00a0\u00bb1280&Prime; screen_tablet_resolution=\u00a0\u00bb1024&Prime; screen_mobile_resolution=\u00a0\u00bb800&Prime; screen_normal_spacer_size=\u00a0\u00bb60&Prime; screen_tablet_spacer_size=\u00a0\u00bb50&Prime; screen_mobile_spacer_size=\u00a0\u00bb50&Prime;][\/vc_column][\/vc_row][vc_row anchor=\u00a0\u00bbkey_features\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1492085718780{background-color: #f6f6f7 !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/2&Prime; dfd_column_responsive_enable=\u00a0\u00bbdfd-column-responsive-enable\u00a0\u00bb col_shadow=\u00a0\u00bbbox_shadow_enable:disable|shadow_horizontal:0|shadow_vertical:15|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0.35)\u00a0\u00bb col_shadow_hover=\u00a0\u00bbbox_shadow_enable:disable|shadow_horizontal:0|shadow_vertical:15|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0.35)\u00a0\u00bb responsive_styles=\u00a0\u00bbpadding_left_desktop:20|padding_left_tablet:20|padding_right_tablet:20|padding_left_mobile:20|padding_right_mobile:20&Prime; el_class=\u00a0\u00bbdfd_col-tablet-12&Prime; offset=\u00a0\u00bbvc_col-lg-6 vc_col-md-6 vc_col-xs-12&Prime;][vc_row_inner][vc_column_inner][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb105&Prime; screen_normal_resolution=\u00a0\u00bb1280&Prime; screen_tablet_resolution=\u00a0\u00bb1024&Prime; screen_mobile_resolution=\u00a0\u00bb800&Prime; screen_normal_spacer_size=\u00a0\u00bb100&Prime; screen_tablet_spacer_size=\u00a0\u00bb90&Prime; screen_mobile_spacer_size=\u00a0\u00bb80&Prime;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][dfd_heading subtitle=\u00a0\u00bb\u00a0\u00bb content_alignment=\u00a0\u00bbtext-left\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|font_size:22|color:%23363636|line_height:30|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div\u00a0\u00bb title_responsive=\u00a0\u00bbline_height_desktop:22|font_size_tablet:20|line_height_tablet:20|letter_spacing_tablet:-.5|font_size_mobile:18|line_height_mobile:18|letter_spacing_mobile:-.5&Prime;]Une solution retraite entreprise\u00a0<em class=\"dfd-textmodule-featured-decoration\">Simple &amp; Modulable<\/em>[\/dfd_heading][dfd_heading subtitle=\u00a0\u00bb\u00a0\u00bb content_alignment=\u00a0\u00bbtext-left\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:h2|font_size:50|color:%23272727|line_height:50&Prime; subtitle_font_options=\u00a0\u00bbtag:div\u00a0\u00bb title_responsive=\u00a0\u00bbfont_size_desktop:44|line_height_desktop:44|font_size_tablet:45|line_height_tablet:45|font_size_mobile:28|line_height_mobile:28|letter_spacing_mobile:-1&Prime;]PREMARETRAITE83[\/dfd_heading][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb10&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][vc_row_inner][vc_column_inner][dfd_videoplayer shadow=\u00a0\u00bbpermanent\u00a0\u00bb video_link=\u00a0\u00bbhttps:\/\/vimeo.com\/265520749\/02dfc531cf\u00a0\u00bb main_style=\u00a0\u00bbstyle-1&Prime; gen_border_radius=\u00a0\u00bb10&Prime;][\/vc_column_inner][\/vc_row_inner][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb50&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][vc_column_text item_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb]PREMARETRAITE 83 est un contrat d&rsquo;assurance-vie collectif \u00e0 cotisations d\u00e9finies pouvant \u00eatre mis en place soit pour tous les salari\u00e9s, soit pour un coll\u00e8ge de l&rsquo;entreprise.<br \/>\nL&#8217;employeur s&rsquo;engage \u00e0 verser r\u00e9guli\u00e8rement, sur un compte d\u00e9di\u00e9 \u00e0 chaque b\u00e9n\u00e9ficiaire, une cotisation calcul\u00e9e sur un\u00a0pourcentage identique du salaire de l&rsquo;ensemble des salari\u00e9s d&rsquo;une m\u00eame cat\u00e9gorie.[\/vc_column_text][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb50&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][dfd_single_image enable_retina=\u00a0\u00bb\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb image=\u00a0\u00bb70&Prime;][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb15&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_heading subtitle=\u00a0\u00bbLes cotisations vers\u00e9es par l\u2019entreprise sont d\u00e9ductibles de l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s et exon\u00e9r\u00e9es de charges sociales. Les cotisations du salari\u00e9 sont d\u00e9ductibles de son imp\u00f4t sur le revenu.\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|color:%232f3033|line_height:23|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div|font_size:14|color:%23515151|line_height:24&Prime; heading_margin=\u00a0\u00bbmargin-bottom:10&Prime;]Une niche<br \/>\n<em class=\"dfd-textmodule-featured-decoration\">\u00a0fiscale et sociale<\/em>[\/dfd_heading][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb50&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_single_image enable_retina=\u00a0\u00bb\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb image=\u00a0\u00bb73&Prime;][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb15&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_heading subtitle=\u00a0\u00bbPREMARETRAITE 83 peut \u00eatre facilement transf\u00e9r\u00e9 \u00e0 un autre assureur en cas de changement d&#8217;employeur ou vers un PERP ou un contrat Madelin.\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|color:%232f3033|line_height:23|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div|font_size:14|color:%23515151|line_height:24&Prime; heading_margin=\u00a0\u00bbmargin-bottom:10&Prime;]Un fonctionnement d&rsquo;une<br \/>\n<em class=\"dfd-textmodule-featured-decoration\">\u00a0grande simplicit\u00e9<\/em>[\/dfd_heading][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][dfd_single_image enable_retina=\u00a0\u00bb\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb image=\u00a0\u00bb69&Prime;][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb15&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_heading subtitle=\u00a0\u00bbLes salari\u00e9s peuvent effectuer des versements individuels facultatifs (VIF) afin d&rsquo;augmenter leur rente, \u00e0 partir de 45 \u20ac\/mois\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|color:%232f3033|line_height:23|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div|font_size:14|color:%23515151|line_height:24&Prime; heading_margin=\u00a0\u00bbmargin-bottom:10&Prime;]Un contrat collectif<br \/>\n<em class=\"dfd-textmodule-featured-decoration\">\u00a0tr\u00e8s souple<\/em>[\/dfd_heading][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb90&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_single_image enable_retina=\u00a0\u00bb\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb image=\u00a0\u00bb71&Prime;][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb15&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][dfd_heading subtitle=\u00a0\u00bb3 modes de gestion laiss\u00e9s au choix de l&rsquo;affili\u00e9 : gestion libre, \u00e9volutive ou garantie. De nombreux supports, dont un en euro performant.\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|color:%232f3033|line_height:23|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div|font_size:14|color:%23515151|line_height:24&Prime; heading_margin=\u00a0\u00bbmargin-bottom:10&Prime;]<span class=\"dfd-textmodule-featured-decoration\">Une gestion financi\u00e8re\u00a0<\/span><br \/>\n<em class=\"dfd-textmodule-featured-decoration\">adapt\u00e9e au profil du salari\u00e9<\/em>[\/dfd_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=\u00a0\u00bb1\/2&Prime; dfd_column_responsive_enable=\u00a0\u00bbdfd-column-responsive-enable\u00a0\u00bb el_class=\u00a0\u00bbdfd_col-tablet-12&Prime; offset=\u00a0\u00bbvc_col-lg-6 vc_col-md-6 vc_col-xs-12&Prime; col_shadow=\u00a0\u00bbbox_shadow_enable:disable|shadow_horizontal:0|shadow_vertical:15|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0.35)\u00a0\u00bb col_shadow_hover=\u00a0\u00bbbox_shadow_enable:disable|shadow_horizontal:0|shadow_vertical:15|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0.35)\u00a0\u00bb responsive_styles=\u00a0\u00bbpadding_left_tablet:20|padding_right_tablet:20|padding_left_mobile:20|padding_right_mobile:20&Prime;][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb120&Prime; screen_normal_resolution=\u00a0\u00bb1280&Prime; screen_tablet_resolution=\u00a0\u00bb1024&Prime; screen_mobile_resolution=\u00a0\u00bb800&Prime; screen_normal_spacer_size=\u00a0\u00bb100&Prime; screen_tablet_spacer_size=\u00a0\u00bb90&Prime; screen_mobile_spacer_size=\u00a0\u00bb80&Prime;][dfd_heading subtitle=\u00a0\u00bb\u00a0\u00bb content_alignment=\u00a0\u00bbtext-left\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:div|font_size:22|color:%23363636|line_height:30|letter_spacing:-1&Prime; subtitle_font_options=\u00a0\u00bbtag:div\u00a0\u00bb title_responsive=\u00a0\u00bbline_height_desktop:22|font_size_tablet:20|line_height_tablet:20|letter_spacing_tablet:-.5|font_size_mobile:18|line_height_mobile:18|letter_spacing_mobile:-.5&Prime;]<em class=\"dfd-textmodule-featured-decoration\">Tout savoir sur le Plan d\u2019Epargne Retraite Entreprises <\/em>Article 83<em class=\"dfd-textmodule-featured-decoration\">\u00a0<\/em>[\/dfd_heading][dfd_heading subtitle=\u00a0\u00bb\u00a0\u00bb content_alignment=\u00a0\u00bbtext-left\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideRightBigIn\u00a0\u00bb enable_delimiter=\u00a0\u00bb\u00a0\u00bb undefined=\u00a0\u00bb\u00a0\u00bb title_font_options=\u00a0\u00bbtag:h2|font_size:50|color:%23272727|line_height:50&Prime; subtitle_font_options=\u00a0\u00bbtag:div\u00a0\u00bb title_responsive=\u00a0\u00bbfont_size_desktop:44|line_height_desktop:44|font_size_tablet:45|line_height_tablet:45|font_size_mobile:28|line_height_mobile:28|letter_spacing_mobile:-1&Prime;]PREMARETRAITE83[\/dfd_heading][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb50&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][vc_toggle title=\u00a0\u00bbQu\u2019est-ce qu\u2019un contrat retraite Article 83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]C&rsquo;est un contrat d\u2019assurance de groupe sur la vie par capitalisation conclu dans le cadre de l\u2019entreprise, entre l\u2019employeur et tout ou partie de ses salari\u00e9s. Ce contrat apporte aux salari\u00e9s affili\u00e9s un suppl\u00e9ment de retraite, sous forme de rente viag\u00e8re, venant s\u2019ajouter aux pensions vers\u00e9es par les r\u00e9gimes de retraite de base et de retraite compl\u00e9mentaire l\u00e9galement obligatoires.[\/vc_toggle][vc_toggle title=\u00a0\u00bbPourquoi mettre en place un contrat retraite Article 83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]Un article 83 est un contrat de retraite suppl\u00e9mentaire fiscalement et socialement attractif permettant aux entreprises d\u2019attirer, de fid\u00e9liser et motiver leurs salari\u00e9s en leur assurant un revenu suppl\u00e9mentaire \u00e0 la retraite.[\/vc_toggle][vc_toggle title=\u00a0\u00bbLa mise en place d&rsquo;un contrat retraite Article 83 est-elle obligatoire ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]Le contrat retraite article 83 n&rsquo;est pas obligatoire, sauf dans le cadre de certaines conventions collectives telles que la CCN Courtage.[\/vc_toggle][vc_toggle title=\u00a0\u00bbComment le mettre en place ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]La mise en place d&rsquo;un contrat retraite article 83 suit la m\u00eame proc\u00e9dure que les contrats collectifs \u00e0 adh\u00e9sion obligatoire, c&rsquo;est \u00e0 dire par :<\/p>\n<ul>\n<li>Une d\u00e9cision unilat\u00e9rale du chef d&rsquo;entreprise,<\/li>\n<li>Un r\u00e9f\u00e9rendum,<\/li>\n<li>Une convention ou un accord collectif.<\/li>\n<\/ul>\n<p>Le chef d&rsquo;entreprise choisit ensuite la ou les cat\u00e9gories objectives de salari\u00e9s qui b\u00e9n\u00e9ficieront d\u2019un compl\u00e9ment de revenu lors de leur d\u00e9part en retraite. Il\u00a0fixe \u00e9galement le montant des cotisations (les cotisations peuvent \u00eatre exprim\u00e9es en pourcentage du salaire ou en pourcentage d\u2019une tranche de salaire).[\/vc_toggle][vc_toggle title=\u00a0\u00bbQuels sont les avantages fiscaux et sociaux ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]<strong><span style=\"font-size: 14pt;\">Pour l&#8217;employeur :<\/span><\/strong><\/p>\n<p>La part patronale de la cotisation est d\u00e9ductible du b\u00e9n\u00e9fice imposable de l\u2019entreprise et b\u00e9n\u00e9ficie de l\u2019exon\u00e9ration de charges sociales dans certaines limites :<\/p>\n<p>Les versements sont soumis au forfait social de 20\u00a0% limit\u00e9s soit \u00e0 5\u00a0% du PASS\/salari\u00e9 ou 5\u00a0% de la r\u00e9mun\u00e9ration (max 5 PSS \u2013 versements PERCO) par salari\u00e9, le d\u00e9passement est soumis aux cotisations sociales normales.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Pour les salari\u00e9s :<\/strong><\/span><\/p>\n<p>Les versements obligatoires sont exon\u00e9r\u00e9s d\u2019IR jusqu\u2019\u00e0 8 % salaire brut annuel limit\u00e9 \u00e0 8 PSS y compris versements du PERCO. Au-del\u00e0, soumis \u00e0 l\u2019IR.<\/p>\n<p>Les versements volontaires sont exon\u00e9r\u00e9 d\u2019IR jusqu\u2019\u00e0 10 % du salaire annuel brut limit\u00e9 \u00e0 8 PSS ou 10 % de 8 PSS y compris versements PERCO, PERP et Madelin. Au-del\u00e0, soumis \u00e0 l\u2019IR. Si le plafond n&rsquo;est pas atteint, la diff\u00e9rence est reportable sur les 3 ann\u00e9es suivantes.<\/p>\n<p>Les versements sont soumis \u00e0 la CSG et CRDS, mais CSG d\u00e9ductible du r\u00e9sultat \u00e0 hauteur de 5.1\u00a0%[\/vc_toggle][vc_toggle title=\u00a0\u00bbComment fonctionne PREMARETRAITE 83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]<span style=\"font-size: 14pt;\"><strong>Pendant la p\u00e9riode d\u2019activit\u00e9 des salari\u00e9s<\/strong><\/span><\/p>\n<p>PREMARETRAITE\u00a083 permet de constituer une \u00e9pargne destin\u00e9e \u00e0 procurer, \u00e0 une cat\u00e9gorie ou \u00e0 l\u2019ensemble des salari\u00e9s de votre entreprise, une rente viag\u00e8re lors de leur d\u00e9part en retraite.<br \/>\nLes cotisations sont prises en charge int\u00e9gralement par l\u2019entreprise ou r\u00e9parties entre l\u2019entreprise et les salari\u00e9s concern\u00e9s si le r\u00e9gime le pr\u00e9voit.<br \/>\nLes salari\u00e9s affili\u00e9s au contrat peuvent effectuer des versements individuels facultatifs qui viendront alimenter leur compte retraite individuel. PREMARETRAITE\u00a083 leur permet \u00e9galement de verser des sommes correspondant \u00e0 des jours issus d\u2019un compte \u00e9pargne temps (CET) ou \u00e0 des jours de repos non pris en l\u2019absence de CET dans l\u2019entreprise.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Lors du d\u00e9part \u00e0 la retraite des salari\u00e9s<\/strong><\/span><\/p>\n<p>L\u2019\u00e9pargne acquise pendant la dur\u00e9e d\u2019activit\u00e9 professionnelle sera transform\u00e9e en rente viag\u00e8re et viendra s\u2019ajouter aux pensions vers\u00e9es par les r\u00e9gimes de retraite de base et de retraite compl\u00e9mentaire.<\/p>\n<p>[\/vc_toggle][vc_toggle title=\u00a0\u00bbQuels sont les points forts de PREMARETRAITE83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]<strong><span style=\"font-size: 14pt;\">Deux garanties optionnelles au choix de l\u2019entreprise<\/span><\/strong><\/p>\n<ul>\n<li>Relais : exon\u00e9ration du paiement des cotisations obligatoires si arr\u00eat de travail<\/li>\n<li>S\u00e9r\u00e9nit\u00e9 : table de mortalit\u00e9 en vigueur \u00e0 la date d\u2019affiliation du salari\u00e9<\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><strong>Profil de gestion \u00e9volutive qui associe s\u00e9curit\u00e9 et performance<\/strong><\/span><\/p>\n<ul>\n<li>Lissage de la grille d\u2019allocation d\u2019actifs revu pour \u00e9viter les chocs<\/li>\n<li>R\u00e9partition du capital en fonction de la dur\u00e9e restant \u00e0 courir avant la retraite<\/li>\n<li>Choix d\u2019un \u00e2ge de d\u00e9part \u00e0 la retraite pr\u00e9visionnel adapt\u00e9<\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><strong>Garantie plancher associ\u00e9e \u00e0 la gestion \u00e9volutive<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Produit \u00e9volutif gr\u00e2ce au cadre associatif<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Libre choix du profil de gestion financi\u00e8re et supports (pour l\u2019affili\u00e9)<\/strong><\/span><\/p>\n<ul>\n<li>Acc\u00e8s aux 3 modes de gestion : gestion \u00e9volutive, garantie et libre<\/li>\n<li>Un support en euro performant (3,75 % brut en 2015)<\/li>\n<li>Une large gamme de supports<\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><strong>Possibilit\u00e9 pour les salari\u00e9s d\u2019effectuer des VIF (avantages fiscaux) \u00e0\u00a0partir de 45\u20ac\/mois<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Tarificateur permettant d\u2019aller jusqu\u2019\u00e0 la souscription<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Espaces en ligne de pilotage\u00a0 du contrat\u00a0 pour les entreprises et les assur\u00e9s<\/strong><\/span>[\/vc_toggle][vc_toggle title=\u00a0\u00bbQuels sont les formules de gestion financi\u00e8re de PREMARETRAITE 83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]Chaque salari\u00e9 choisit, parmi trois formules de gestion financi\u00e8re, celle qui lui semble la mieux adapt\u00e9e \u00e0 sa situation personnelle. Ce choix n\u2019est jamais fig\u00e9\u00a0: le salari\u00e9 peut le modifier \u00e0 tout moment pendant la p\u00e9riode de constitution de son \u00e9pargne.<br \/>\nLa gestion des supports exprim\u00e9s en unit\u00e9s de compte profite notamment de l\u2019expertise d\u2019Allianz Global Investors qui figure parmi les premiers g\u00e9rants d\u2019actifs au monde.<\/p>\n<p><em><strong>La gestion garantie<\/strong><\/em> :\u00a0le salari\u00e9 se constitue un suppl\u00e9ment de retraite en toute s\u00e9curit\u00e9. Les cotisations et les versements individuels facultatifs sont investis sur le support en euros Allianz Euros Retraite avec une participation aux b\u00e9n\u00e9fices attribu\u00e9e chaque 31 d\u00e9cembre.<\/p>\n<p><strong><em>La gestion libre<\/em><\/strong> :\u00a0le salari\u00e9 dispose d\u2019une gamme de 40 supports pour \u00e9laborer sa propre gestion financi\u00e8re\u00a0:<\/p>\n<ul>\n<li>Allianz Euros Retraite, le support en euros adoss\u00e9 \u00e0 l\u2019actif Retraite Long Terme d\u2019Allianz Vie, qui permet une progression mod\u00e9r\u00e9e mais r\u00e9guli\u00e8re de l\u2019\u00e9pargne retraite.<\/li>\n<li>Une gamme de 39 supports exprim\u00e9s en unit\u00e9s de compte pour diversifier l\u2019\u00e9pargne retraite et profiter du potentiel de performance des march\u00e9s actions \u00e0 long terme4.<\/li>\n<\/ul>\n<p>Dans le cadre de la gestion libre, le salari\u00e9 peut modifier \u00e0 tout moment la r\u00e9partition de ses cotisations entre les diff\u00e9rents supports. Il peut \u00e9galement modifier la r\u00e9partition de l\u2019\u00e9pargne acquise via des arbitrages.<\/p>\n<p><em><strong>La gestion \u00e9volutive<\/strong><\/em> :\u00a0le salari\u00e9 confie la gestion de son \u00e9pargne \u00e0 Allianz Vie qui la r\u00e9partit en fonction de l\u2019\u00e2ge pr\u00e9visionnel de d\u00e9part \u00e0 la retraite du salari\u00e9 entre cinq supports de fa\u00e7on \u00e0 optimiser le couple rendement\/risque.<br \/>\n\u00c0 mesure que le salari\u00e9 se rapproche de l\u2019\u00e2ge de la retraite, son \u00e9pargne retraite est progressivement et automatiquement transf\u00e9r\u00e9e vers le support le plus s\u00e9curitaire.<br \/>\nLe salari\u00e9 choisit un \u00e2ge pr\u00e9visionnel de d\u00e9part \u00e0 la retraite entre 62 ans et 67 ans. Il peut modifier son \u00e2ge pr\u00e9visionnel de d\u00e9part \u00e0 la retraite au cours de la p\u00e9riode de constitution de son \u00e9pargne.<br \/>\nSi le salari\u00e9 vient \u00e0 d\u00e9c\u00e9der pendant la phase de constitution de son suppl\u00e9ment de retraite, son \u00e9pargne b\u00e9n\u00e9ficie d\u2019une garantie d\u00e9c\u00e8s compl\u00e9mentaire. Ainsi le capital sera au moins \u00e9gal au cumul des cotisations vers\u00e9es.[\/vc_toggle][vc_toggle title=\u00a0\u00bbQuelles sont les modalit\u00e9s de sortie de PREMARETRAITE83 ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]Lorsque l&rsquo;assur\u00e9(e) aura atteint l&rsquo;\u00e2ge de d\u00e9part \u00e0 la retraite, il recevra son \u00e9pargne acquise sous forme de rente viag\u00e8re en fonction de l&rsquo;option choisie. Le montant de la rente viag\u00e8re est calcul\u00e9 en fonction notamment de la table de mortalit\u00e9 et du taux d\u2019int\u00e9r\u00eat technique r\u00e9glementaires applicables, de l&rsquo;\u00e2ge, du sexe, et bien s\u00fbr de l\u2019\u00e9pargne acquise de l&rsquo;assur\u00e9(e). L&rsquo;assur\u00e9(e) pourra par ailleurs au moment de sa retraite, choisir entre plusieurs option afin de retenir la rente viag\u00e8re la plus adapt\u00e9e \u00e0 sa situation personnelle :<\/p>\n<p><strong><em>Pour prot\u00e9ger son conjoint :\u00a0<\/em>l\u2019option \u00ab\u00a0R\u00e9version de la rente\u00a0\u00bb<\/strong> permet, en cas de d\u00e9c\u00e8s, le versement d\u2019une rente de r\u00e9version au profit du\u00a0conjoint survivant (et ex-conjoint(s) divorc\u00e9(s) non remari\u00e9(s)). Il choisit le taux de r\u00e9version, entre 50\u00a0% et 100\u00a0% (variant par pas de 10\u00a0%), 150\u00a0% ou 200\u00a0%.<\/p>\n<p><strong><em>Pour prot\u00e9ger l\u2019un de ses proches<\/em> : l\u2019option \u00ab\u00a0Annuit\u00e9s garanties\u00a0\u00bb<\/strong> permet, en cas de d\u00e9c\u00e8s, le versement d\u2019une rente servie aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s sur la p\u00e9riode que l&rsquo;assur\u00e9(e) aura choisie \u00e0 la liquidation de sa retraite (5 ans, 10 ans ou plus selon votre \u00e2ge)18. Si l&rsquo;assur\u00e9 est encore en vie apr\u00e8s la p\u00e9riode des annuit\u00e9s garanties, il continue \u00e0 percevoir la rente jusqu\u2019\u00e0 son d\u00e9c\u00e8s.<\/p>\n<p><strong><em>Pour une protection optimale de ses proches<\/em> :<\/strong>\u00a0l&rsquo;assur\u00e9(e) peut\u00a0\u00a0<strong>combiner les deux options de rente<\/strong> pour obtenir une rente viag\u00e8re r\u00e9versible avec annuit\u00e9s garanties. Dans ce cas, la rente de r\u00e9version est vers\u00e9e \u00e0 l\u2019issue de la p\u00e9riode du versement des annuit\u00e9s garanties (avec \u00e9ventuellement un ou des b\u00e9n\u00e9ficiaires diff\u00e9rents).<\/p>\n<p><strong><em>L&rsquo;assur\u00e9(e) souhaite adapter le montant de sa rente viag\u00e8re \u00e0 sa situation familiale<\/em> :\u00a0l\u2019option \u00ab\u00a0Rente par palier\u00a0\u00bb<\/strong> permet de fixer \u00e0 l\u2019avance la dur\u00e9e du premier palier (5 ou 10 ans) pendant laquelle le montant de la rente viag\u00e8re sera minor\u00e9 ou major\u00e9 (palier\u00a0: 50\u00a0%, 75\u00a0%, 125\u00a0% ou 150\u00a0%).<\/p>\n<p><strong><em>L&rsquo;assur\u00e9(e) souhaite\u00a0maintenir son pouvoir d\u2019achat<\/em> :\u00a0l\u2019option \u00ab\u00a0Rente croissante\u00a0<\/strong><strong>\u00bb<\/strong> <strong>\u00a0<\/strong>permet de pr\u00e9server le maintien de son pouvoir d\u2019achat malgr\u00e9 l\u2019inflation, gr\u00e2ce \u00e0 la progression du montant de sa rente dans le temps.[\/vc_toggle][vc_toggle title=\u00a0\u00bbComment vous contacter ?\u00a0\u00bb size=\u00a0\u00bbsm\u00a0\u00bb custom_font_container=\u00a0\u00bbtag:h5|text_align:left|color:%23058e87&Prime; custom_google_fonts=\u00a0\u00bbfont_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal\u00a0\u00bb use_custom_heading=\u00a0\u00bbtrue\u00a0\u00bb]<p class=\"gform_not_found\">A\u00efe ! Nous n\u2019avons pas retrouv\u00e9 votre formulaire.<\/p>[\/vc_toggle][dfd_spacer screen_wide_spacer_size=\u00a0\u00bb35&Prime; screen_normal_resolution=\u00a0\u00bb1024&Prime; screen_tablet_resolution=\u00a0\u00bb800&Prime; screen_mobile_resolution=\u00a0\u00bb480&Prime;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][dfd_button_gradient button_text=\u00a0\u00bbFaire un projet\u00a0\u00bb alignment=\u00a0\u00bbtext-left\u00a0\u00bb module_animation=\u00a0\u00bbtransition.slideLeftBigIn\u00a0\u00bb border=\u00a0\u00bbyes\u00a0\u00bb main_style=\u00a0\u00bbstyle-2&Prime; undefined=\u00a0\u00bb\u00a0\u00bb background_from=\u00a0\u00bb#45b9bb\u00a0\u00bb background_to=\u00a0\u00bb#00b7ba\u00a0\u00bb hover_background_from=\u00a0\u00bbrgba(255,162,37,0.01)\u00a0\u00bb hover_background_to=\u00a0\u00bbrgba(255,67,75,0.01)\u00a0\u00bb box_shadow=\u00a0\u00bbbox_shadow_enable:enable|shadow_horizontal:0|shadow_vertical:13|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0.25)\u00a0\u00bb hover_box_shadow=\u00a0\u00bbbox_shadow_enable:enable|shadow_horizontal:0|shadow_vertical:13|shadow_blur:50|shadow_spread:0|box_shadow_color:rgba(0%2C0%2C0%2C0)\u00a0\u00bb border_color_from=\u00a0\u00bb#45b9bb\u00a0\u00bb border_color_to=\u00a0\u00bb#00b7ba\u00a0\u00bb border_width=\u00a0\u00bb2&Prime; 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