{"id":3217,"date":"2021-03-03T10:28:10","date_gmt":"2021-03-03T09:28:10","guid":{"rendered":"https:\/\/mysavings.be\/article\/votre-plan-pension-doit-etre-prolonger\/"},"modified":"2021-04-14T15:55:04","modified_gmt":"2021-04-14T13:55:04","slug":"votre-plan-pension-doit-etre-prolonger","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/inami-avantages-sociaux\/article\/votre-plan-pension-doit-etre-prolonger\/","title":{"rendered":"Votre plan de pension doit \u00eatre prolong\u00e9 ? Soyez vigilants\u2026"},"content":{"rendered":"<p>Vous avez souscrit une assurance-groupe, une PLCI, un EIP ou un contrat INAMI dont le terme est fix\u00e9 \u00e0 60 ans\u00a0? Vous allez alors recevoir tr\u00e8s prochainement un courrier de votre assureur vous demandant de le prolonger jusqu\u2019\u00e0 l\u2019\u00e2ge de votre pension l\u00e9gale. C\u2019est d\u2019ailleurs une obligation l\u00e9gale. Mais avant de donner votre accord sur cette prolongation, il vous sera utile de faire appel \u00e0 un sp\u00e9cialiste car une mauvaise d\u00e9cision peut vous co\u00fbter de l\u2019argent.<\/p>\n<h2>A partir de quel \u00e2ge pouvez-vous demander votre capital\u00a0?<\/h2>\n<p>Une loi de fin 2015 pr\u00e9voit que le capital d\u2019une pension compl\u00e9mentaire ne peut \u00eatre per\u00e7ue qu\u2019\u00e0 l\u2019\u00e2ge de la pension l\u00e9gale. En d\u2019autres termes, vous ne recevez le montant \u00e9pargn\u00e9 dans votre assurance-groupe, EIP, PLCI ou contrat INAMI qu\u2019au plus t\u00f4t \u00e0 vos 65 ans. <a href=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/a-la-retraite-a-65-66-ou-67-ans\">A partir de 2025, ce sera 66 ans et \u00e0 partir de 2030, 67 ans.<\/a><\/p>\n<h2>Il existe \u00e9videmment des exceptions\u00a0:<\/h2>\n<ul>\n<li>La loi pr\u00e9voit des mesures transitoires. Les personnes qui approchent les 60 ans dans l\u2019une des ces prochaines ann\u00e9es peuvent demander leur capital pension un peu plus t\u00f4t. Voici le tableau avec les r\u00e8gles exactes\u00a0:<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\n<thead>\n<tr>\n<th>Ann\u00e9e de naissance<\/th>\n<th>Age en 2018<\/th>\n<th>Perception du capital \u00e0 partir de<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">1958 ou avant<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">60 ans ou plus vieux<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">60 ans<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">1959<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">59 ans<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">61 ans<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">1960<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">58 ans<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">62 ans<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">1961<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">57 ans<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">63 ans<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Important: cette exception ne trouve \u00e0 s\u2019appliquer que si le r\u00e8glement de pension la pr\u00e9voit.<\/p>\n<ul>\n<li>Si vous prenez votre pension anticip\u00e9e, vous pouvez alors demander votre capital pension au m\u00eame moment.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Si vous pouvez pr\u00e9tendre \u00e0 une pension anticip\u00e9e mais que vous d\u00e9cidez de continuer \u00e0 travailler, vous pouvez alors n\u00e9anmoins demander votre capital pension.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Quid si votre plan de pension pr\u00e9voit un autre terme\u00a0?<\/h2>\n<p>Bon nombre de plans de pension pr\u00e9voient encore un terme diff\u00e9rent de l\u2019\u00e2ge de la pension l\u00e9gale (le plus souvent 60 ans). La loi oblige les assureurs \u00e0 \u00e9crire un courrier \u00e0 tous leurs clients en 2018 pour leur demander de prolonger leur contrat jusqu\u2019\u00e0 l\u2019\u00e2ge de la pension.<\/p>\n<p>Si simple, pensez-vous\u00a0? Pas du tout. Cela va plus loin que la simple adaptation de l\u2019\u00e2ge au terme. Les questions suivantes sont cruciales\u00a0:<\/p>\n<ul>\n<li>Que se passe-t-il avec le rendement garanti de votre contrat\u00a0?<\/li>\n<li>Recevez-vous simplement le m\u00eame rendement pendant 7 ann\u00e9es suppl\u00e9mentaires\u00a0?<\/li>\n<li>Applique-t-on un nouveau taux d\u2019int\u00e9r\u00eat\u00a0?<\/li>\n<li>Et quid des garanties compl\u00e9mentaires, comme l\u2019incapacit\u00e9 de travail et les couvertures d\u00e9c\u00e8s\u00a0? Restez-vous assur\u00e9s ou votre prime sera-t-elle adapt\u00e9e\u00a0?<\/li>\n<\/ul>\n<p>Vous le remarquez, des questions concr\u00e8tes attendent une r\u00e9elle r\u00e9ponse. Chaque assureur d\u00e9veloppera dans ce domaine sa propre strat\u00e9gie commerciale. Il est \u00e9vident que vous pouvez compter sur nos sp\u00e9cialistes pour trouver la meilleure solution.<\/p>\n<p>Si vous avez plus de questions, <a href=\"https:\/\/mysavings.be\/fr\/contact\/\">n\u2019h\u00e9sitez pas \u00e0 nous contacter<\/a> (par mail ou par t\u00e9l\u00e9phone).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez souscrit une assurance-groupe, une PLCI, un EIP ou un contrat INAMI dont le terme est fix\u00e9 \u00e0 60 ans\u00a0?<\/p>\n","protected":false},"featured_media":1559,"parent":0,"menu_order":145,"template":"","class_list":["post-3217","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plan de pension doit \u00eatre prolong\u00e9 ? 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