{"id":3221,"date":"2021-03-03T10:28:10","date_gmt":"2021-03-03T09:28:10","guid":{"rendered":"https:\/\/mysavings.be\/article\/choisir-une-plci-normale-ou-une-plci-sociale\/"},"modified":"2021-04-27T16:37:56","modified_gmt":"2021-04-27T14:37:56","slug":"choisir-une-plci-normale-ou-une-plci-sociale","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/choisir-une-plci-normale-ou-une-plci-sociale\/","title":{"rendered":"Devez-vous choisir de pr\u00e9f\u00e9rence une PLCI normale ou une PLCI sociale ?"},"content":{"rendered":"<p>La r\u00e9ponse \u00e0 cette question d\u00e9pend exclusivement de votre profil et de vos attentes.<\/p>\n<p>Il est tout d\u2019abord important de distinguer les diff\u00e9rences entre la PLCI normale et la PLCI sociale\u00a0:<\/p>\n<ul>\n<li>PLCI normale\n<ul>\n<li>Vous construisez une pension compl\u00e9mentaire<\/li>\n<li>Vous pouvez attribuer 8.17% de votre salaire net imposable \u00e0 votre plan avec un maximum absolu de 3.187,04 Euro.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>PLCI sociale\n<ul>\n<li>Vous ne construisez pas seulement une pension compl\u00e9mentaire mais profitez \u00e9galement des garanties compl\u00e9mentaires dites \u201cde solidarit\u00e9\u201d ; comme une couverture invalidit\u00e9 et\/ou d\u00e9c\u00e8s.<\/li>\n<li>Vous pouvez allouer un budget de 15% en plus sur votre plan PLCI. Vous avez donc la possibilit\u00e9 de contribuer \u00e0 concurrence de 9.4% de votre revenu net imposable avec un maximum absolu de 3.666,85 Euro.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"spacing-right\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/pijlpensionplanresize-3.jpg\" alt=\"\" width=\"300\" height=\"200\" \/><br \/>\nDans le cas d\u2019une PLCI sociale, vous pouvez contribuer \u00e0 une hauteur plus \u00e9lev\u00e9e qui est alors r\u00e9partie entre le capital pension et les garanties compl\u00e9mentaires. Cela vous procure quelques avantages compl\u00e9mentaires:<\/p>\n<ul>\n<li>\u00a0un capital li\u00e9 \u00e0 la pension compl\u00e9mentaire plus \u00e9lev\u00e9<\/li>\n<li>une protection compl\u00e9mentaire au niveau des risques d\u2019incapacit\u00e9 de travail et\/ou de d\u00e9c\u00e8s<\/li>\n<li>un avantage fiscal plus \u00e9lev\u00e9<\/li>\n<\/ul>\n<p>Si vous h\u00e9sitez \u00e0 payer un budget compl\u00e9mentaire de 15%, vous devez tenir compte du fait qu\u2019une partie substantielle de cette prime compl\u00e9mentaire sera r\u00e9cup\u00e9r\u00e9e dans votre prochain calcul d\u2019imp\u00f4t.<\/p>\n<p>Il y a donc pas mal d\u2019avantages au niveau de la PLCI Sociale. Avez-vous des questions compl\u00e9mentaires\u00a0? Si oui, n\u2019h\u00e9sitez ) \u00e0 nous contacter par t\u00e9l\u00e9phone 023181550 ou mail info@mysavings.be et nous nous ferons un plaisir de vous \u00e9clairer.\u00a0<a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/Comparez\/\">Ou consultez notre rubrique avec un d\u00e9tail par compagnie d\u2019assurances.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Devez-vous choisir de pr\u00e9f\u00e9rence une PLCI normale ou une PLCI sociale ?<\/p>\n","protected":false},"featured_media":7564,"parent":0,"menu_order":149,"template":"","class_list":["post-3221","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Devez-vous choisir de pr\u00e9f\u00e9rence une PLCI normale ou une PLCI sociale ?<\/title>\n<meta name=\"description\" content=\"La r\u00e9ponse \u00e0 cette question d\u00e9pend exclusivement de votre profil et de vos attentes. 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