{"id":1274,"date":"2025-04-15T08:29:04","date_gmt":"2025-04-15T08:29:04","guid":{"rendered":"http:\/\/invexa.ch\/?p=1274"},"modified":"2026-02-09T06:54:57","modified_gmt":"2026-02-09T06:54:57","slug":"1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/1st-pillar-switzerland-everything-you-should-know\/","title":{"rendered":"1st Pillar in Switzerland: Everything You Should Know About OASI, DI, and Supplementary Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1274\" class=\"elementor elementor-1274\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22f3798 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22f3798\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8c0952\" data-id=\"f8c0952\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f9d363 elementor-widget elementor-widget-heading\" data-id=\"1f9d363\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De quoi est compos\u00e9 le 1er pilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-947b3b3 elementor-widget elementor-widget-text-editor\" data-id=\"947b3b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong data-start=\"3\" data-end=\"17\">1er pilier<\/strong> du syst\u00e8me de pr\u00e9voyance suisse est compos\u00e9 de <strong data-start=\"65\" data-end=\"112\">trois assurances sociales \u00e9troitement li\u00e9es<\/strong>. Ensemble, elles forment la <strong data-start=\"141\" data-end=\"164\">pr\u00e9voyance \u00e9tatique<\/strong> obligatoire, dont le but est d\u2019assurer le <strong data-start=\"207\" data-end=\"224\">minimum vital<\/strong> en cas de vieillesse, de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9. Il est compos\u00e9 de trois \u00e9l\u00e9ments :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efaf5c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"efaf5c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>AVS (Assurance-vieillesse et survivants):<\/strong> Verse une rente \u00e0 la retraite ou aux survivants en cas de d\u00e9c\u00e8s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>AI (Assurance-invalidit\u00e9):<\/strong> Soutient les personnes devenues invalides par des mesures de r\u00e9insertion et, si n\u00e9cessaire, une rente.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>PC (Prestations compl\u00e9mentaires):<\/strong> Fournit un soutien financier suppl\u00e9mentaire si les rentes AVS\/AI ne suffisent pas \u00e0 couvrir les besoins vitaux.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df9eb72 elementor-widget elementor-widget-image\" data-id=\"df9eb72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"513\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108-1024x656.png\" class=\"attachment-large size-large wp-image-360\" alt=\"Syst\u00e8me de pr\u00e9voyance suisse\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108-1024x656.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108-300x192.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108-768x492.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108.png 1436w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a61ec1 elementor-widget elementor-widget-heading\" data-id=\"8a61ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Assurance-vieillesse et survivants (AVS)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb14e44 elementor-widget elementor-widget-text-editor\" data-id=\"bb14e44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019<strong data-start=\"229\" data-end=\"273\">AVS (Assurance-vieillesse et survivants)<\/strong>, introduite en <strong>1948<\/strong>, est l\u2019assurance sociale de base en Suisse. Elle vise \u00e0 garantir un <strong data-start=\"338\" data-end=\"379\">revenu minimal<\/strong> aux personnes \u00e2g\u00e9es ou aux proches survivants (conjoint\u00b7e, enfants) d\u2019un assur\u00e9 d\u00e9c\u00e9d\u00e9. Elle repose sur le principe de la <strong data-start=\"486\" data-end=\"518\">solidarit\u00e9<\/strong> entre g\u00e9n\u00e9rations: les actifs financent les rentes des retrait\u00e9s actuels.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a46ab elementor-widget elementor-widget-heading\" data-id=\"39a46ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qui est tenu de cotiser ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11db32d elementor-widget elementor-widget-text-editor\" data-id=\"11db32d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019AVS concerne toutes les personnes vivant ou travaillant en Suisse. Les cotisations sont obligatoires d\u00e8s l\u2019\u00e2ge de<strong> 17 ans<\/strong> pour les personnes exer\u00e7ant une <strong>activit\u00e9 lucrative<\/strong>, et d\u00e8s <strong>20 ans<\/strong> pour les <strong>non-actifs<\/strong>. Salari\u00e9s, ind\u00e9pendants ou rentiers: tous participent, chacun selon ses capacit\u00e9s financi\u00e8res.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b89d9dd elementor-widget elementor-widget-heading\" data-id=\"b89d9dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment est financ\u00e9 l'AVS ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e25659 elementor-widget elementor-widget-text-editor\" data-id=\"8e25659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le syst\u00e8me repose sur un principe de <strong data-start=\"1158\" data-end=\"1205\">solidarit\u00e9 interg\u00e9n\u00e9rationnelle<\/strong>: les actifs d\u2019aujourd\u2019hui financent les rentes des retrait\u00e9s actuels. C\u2019est un mod\u00e8le de <strong>r\u00e9partition<\/strong> \u2013 et non de capitalisation \u2013 ce qui implique que les cotisations ne sont pas stock\u00e9es individuellement, mais imm\u00e9diatement redistribu\u00e9es.<\/p><p>Pour les salari\u00e9s, les cotisations AVS s\u2019\u00e9l\u00e8vent \u00e0 <strong data-start=\"1498\" data-end=\"1523\">8,7 % du salaire brut<\/strong>, partag\u00e9es \u00e9quitablement entre l\u2019employeur et l\u2019employ\u00e9. Les ind\u00e9pendants, eux, paient selon un bar\u00e8me d\u00e9gressif pouvant atteindre <strong data-start=\"1655\" data-end=\"1664\">8,1 %<\/strong>, tandis que les personnes sans activit\u00e9 lucrative contribuent sur la base de leur fortune et de leurs revenus de remplacement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea077d0 elementor-widget elementor-widget-heading\" data-id=\"ea077d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quand peut-on toucher sa rente AVS ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-100b7d0 elementor-widget elementor-widget-text-editor\" data-id=\"100b7d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019\u00e2ge ordinaire de la retraite est aujourd\u2019hui fix\u00e9 \u00e0 65 ans pour les hommes et 64 ans pour les femmes. Toutefois, dans le cadre de la r\u00e9forme <strong data-start=\"1985\" data-end=\"1994\">AVS21<\/strong>, l\u2019\u00e2ge de r\u00e9f\u00e9rence des femmes sera progressivement align\u00e9 sur celui des hommes d\u2019ici 2028. Il est \u00e9galement possible d\u2019anticiper ou de <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/calculer-une-retraite-anticipee-en-suisse\/\">reporter le versement de la rente<\/a><\/strong>.<\/p><p>Une anticipation est possible <strong data-start=\"2196\" data-end=\"2219\">d\u00e8s 63 ans (hommes)<\/strong> ou <strong data-start=\"2223\" data-end=\"2242\">62 ans (femmes)<\/strong>, avec une r\u00e9duction \u00e0 vie de la rente. \u00c0 l\u2019inverse, un report jusqu\u2019\u00e0 70 ans permet de b\u00e9n\u00e9ficier d\u2019une rente major\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-893ace7 elementor-widget elementor-widget-heading\" data-id=\"893ace7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment le montant de la rente est-il calcul\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1338c0d elementor-widget elementor-widget-text-editor\" data-id=\"1338c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente AVS n\u2019est pas uniforme. Elle d\u00e9pend principalement de 2 facteurs: le <strong>nombre d\u2019ann\u00e9es de cotisations<\/strong> et le <strong>revenu moyen annuel d\u00e9terminant<\/strong>. Une carri\u00e8re compl\u00e8te de <strong>44 ans<\/strong> (pour les hommes) ou <strong>43 ans<\/strong> (pour les femmes n\u00e9es avant 1961) donne droit \u00e0 une rente pleine.<\/p><p>En 2025, le montant mensuel de la rente AVS est d\u00e9fini dans l&rsquo;<strong><a href=\"https:\/\/www.ahv-iv.ch\/fr\/Formulaires\/Listes-diverses\/Echelle-de-rentes-44\" target=\"_blank\" rel=\"noopener\">\u00e9chelle 44<\/a><\/strong> et varie entre CHF <strong>1\u2019260<\/strong> (rente minimale) et <strong>2\u2019520<\/strong> francs (rente maximale). Pour les couples mari\u00e9s, la somme totale des deux rentes ne peut exc\u00e9der <strong>150 %<\/strong> de la rente maximale individuelle, soit 3\u2019780 francs. Ce plafonnement conduit souvent \u00e0 une<strong> r\u00e9duction<\/strong> de la rente conjointe.<\/p><p>Des <strong>bonifications<\/strong> sont pr\u00e9vues pour les personnes ayant \u00e9lev\u00e9 des enfants ou pris soin de proches d\u00e9pendants. Ces p\u00e9riodes sont int\u00e9gr\u00e9es dans le calcul de la rente, reconnaissant ainsi la valeur du travail non r\u00e9mun\u00e9r\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-129b709 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"129b709\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0f08ba2\" data-id=\"0f08ba2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc40ccd elementor-widget elementor-widget-heading\" data-id=\"cc40ccd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chiffres AVS 2025<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e956886 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e956886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La rente AVS maximale s'\u00e9l\u00e8ve \u00e0 <b>CHF 2'520 \/ mois<\/b><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La rente AVS minimale s'\u00e9l\u00e8ve \u00e0 <b>CHF 1'260 \/ moi<\/b>s<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le revenu annuel moyen d\u00e9terminant maximal s'\u00e9l\u00e8ve \u00e0 <b>CHF 90'720<\/b><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\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<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a26bef9 elementor-widget elementor-widget-heading\" data-id=\"a26bef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels sont les prestations pour enfants et survivants ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6143ddf elementor-widget elementor-widget-text-editor\" data-id=\"6143ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"535\">L\u2019AVS pr\u00e9voit \u00e9galement des prestations pour les <strong data-start=\"83\" data-end=\"133\">enfants et les survivants<\/strong>, afin de prot\u00e9ger les familles en cas de d\u00e9c\u00e8s ou de retraite d\u2019un parent ou d\u2019un conjoint. Lorsqu\u2019un assur\u00e9 touche une rente AVS ou AI, il peut percevoir une <strong data-start=\"293\" data-end=\"314\">rente pour enfant<\/strong> pour chaque enfant de moins de <b>18 ans<\/b>, ou jusqu\u2019\u00e0 <b>25 ans<\/b> s\u2019il est en formation. Cette rente correspond \u00e0 <strong data-start=\"420\" data-end=\"451\">40 % de la rente <\/strong>de l&rsquo;assur\u00e9.<\/p><p class=\"\" data-start=\"537\" data-end=\"1102\">En cas de d\u00e9c\u00e8s, l\u2019AVS verse des <strong data-start=\"570\" data-end=\"594\">rentes de survivants<\/strong> aux veuves, veufs et orphelins, selon des conditions pr\u00e9cises. Une <strong data-start=\"662\" data-end=\"671\">veuve<\/strong> peut percevoir une rente si elle a des enfants ou si elle a plus de 45 ans et a \u00e9t\u00e9 mari\u00e9e pendant au moins cinq ans. Un <strong data-start=\"793\" data-end=\"801\">veuf<\/strong>, en revanche, n\u2019y a droit que s\u2019il a des enfants mineurs \u00e0 charge. Quant aux <strong data-start=\"879\" data-end=\"892\">orphelins<\/strong>, ils re\u00e7oivent une rente jusqu\u2019\u00e0 18 ans (ou 25 ans s\u2019ils sont en formation).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-207b53c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"207b53c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9f55de1\" data-id=\"9f55de1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd4a449 elementor-widget elementor-widget-heading\" data-id=\"dd4a449\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calcul anticip\u00e9 de la rente<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d85141 elementor-widget elementor-widget-text-editor\" data-id=\"2d85141\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez demander un <strong><a href=\"https:\/\/www.eak.admin.ch\/fr\/calcul-anticipe-de-la-rente\" target=\"_blank\" rel=\"noopener\">calcul anticip\u00e9<\/a><\/strong> de votre rente aupr\u00e8s de l&rsquo;AVS.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f848b7 elementor-widget elementor-widget-heading\" data-id=\"5f848b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Assurance invalidit\u00e9 (AI)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1415eea elementor-widget elementor-widget-text-editor\" data-id=\"1415eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019<strong data-start=\"352\" data-end=\"381\">assurance-invalidit\u00e9 (AI)<\/strong>, int\u00e9gr\u00e9e en 1960, fait partie int\u00e9grante du syst\u00e8me suisse de s\u00e9curit\u00e9 sociale, au m\u00eame titre que l\u2019AVS. Elle rel\u00e8ve vise \u00e0 prot\u00e9ger les assur\u00e9s contre les cons\u00e9quences \u00e9conomiques d\u2019une incapacit\u00e9 de travail durable due \u00e0 une maladie, un accident ou une infirmit\u00e9 cong\u00e9nitale. Mais \u00e0 la diff\u00e9rence de ce que l\u2019on pourrait penser, l\u2019AI ne se limite pas \u00e0 verser des rentes. Sa mission premi\u00e8re est de <strong data-start=\"786\" data-end=\"832\">pr\u00e9venir, r\u00e9duire ou \u00e9liminer l\u2019invalidit\u00e9<\/strong>, en privil\u00e9giant toujours les <strong data-start=\"863\" data-end=\"889\">mesures de r\u00e9insertion<\/strong> \u00e0 l\u2019octroi d\u2019une rente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d788a2 elementor-widget elementor-widget-heading\" data-id=\"9d788a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelles sont les prestations assur\u00e9es par l'AI ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6104798 elementor-widget elementor-widget-text-editor\" data-id=\"6104798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le principe directeur de l\u2019AI est clair: la <strong data-start=\"1005\" data-end=\"1043\">r\u00e9adaptation prime sur la rente<\/strong>. Cela signifie que toute personne touch\u00e9e dans sa capacit\u00e9 de travail doit d\u2019abord b\u00e9n\u00e9ficier de mesures m\u00e9dicales, professionnelles ou sociales visant \u00e0 maintenir ou restaurer sa capacit\u00e9 de gain. Ces mesures peuvent inclure :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b130b26 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b130b26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Des <b>traitements m\u00e9dicaux<\/b> pris en charge par l\u2019AI, s\u2019ils sont essentiels \u00e0 une r\u00e9insertion,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Des <b>formations professionnelles<\/b>, des reclassements, ou un soutien \u00e0 la r\u00e9insertion dans un emploi adapt\u00e9,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Des conseils, du coaching, ou des <b>placements <\/b>en entreprise,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Et dans certains cas, une aide au financement de <b>moyens auxiliaires <\/b>(comme un fauteuil roulant, une proth\u00e8se ou une adaptation du poste de travail).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5334b46 elementor-widget elementor-widget-text-editor\" data-id=\"5334b46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019AI offre \u00e9galement la possibilit\u00e9 de mettre en place des <span data-start=\"1775\" data-end=\"1817\">mesures dites de <\/span><strong data-start=\"1775\" data-end=\"1817\">nouvelle r\u00e9adaptation<\/strong>, destin\u00e9es \u00e0 des personnes d\u00e9j\u00e0 au b\u00e9n\u00e9fice d\u2019une rente mais qui pr\u00e9sentent un potentiel de retour \u00e0 l\u2019emploi. Ces approches individualis\u00e9es visent \u00e0 pr\u00e9server l\u2019autonomie professionnelle et \u00e0 limiter le recours aux prestations \u00e0 long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0483e0 elementor-widget elementor-widget-heading\" data-id=\"b0483e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qui peut en b\u00e9n\u00e9ficier ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7da1b36 elementor-widget elementor-widget-text-editor\" data-id=\"7da1b36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"2090\" data-end=\"2432\">Toute personne domicili\u00e9e en Suisse et atteinte d\u2019une atteinte \u00e0 la sant\u00e9 physique ou psychique pouvant entra\u00eener une invalidit\u00e9 peut d\u00e9poser une demande \u00e0 l\u2019AI. L\u2019<strong>invalidit\u00e9<\/strong> est d\u00e9finie comme une <strong>incapacit\u00e9 durable<\/strong>, partielle ou totale, d\u2019exercer une activit\u00e9 lucrative ou, pour les personnes non actives, d\u2019accomplir les t\u00e2ches habituelles.<\/p><p class=\"\" data-start=\"2434\" data-end=\"2603\">Un d\u00e9lai de carence de <strong data-start=\"2437\" data-end=\"2468\">12 mois<\/strong> (max 24 mois) est requis: la limitation de la capacit\u00e9 de travail doit \u00eatre m\u00e9dicalement attest\u00e9e sur cette dur\u00e9e pour ouvrir le droit \u00e0 une rente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-741c5fc elementor-widget elementor-widget-heading\" data-id=\"741c5fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment sont calcul\u00e9es les rentes AI?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d70269 elementor-widget elementor-widget-text-editor\" data-id=\"5d70269\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque les mesures de r\u00e9insertion ne suffisent pas, une <strong data-start=\"2680\" data-end=\"2702\">rente d\u2019invalidit\u00e9<\/strong> peut \u00eatre accord\u00e9e. Celle-ci d\u00e9pend du <strong data-start=\"2742\" data-end=\"2763\">taux d\u2019invalidit\u00e9<\/strong> d\u00e9termin\u00e9 par comparaison entre le revenu th\u00e9orique sans invalidit\u00e9 et le revenu pouvant encore \u00eatre obtenu malgr\u00e9 celle-ci.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb47f3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2cb47f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c0 partir de <b>40 %<\/b> d\u2019invalidit\u00e9, une<b> rente partielle<\/b> est envisageable,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Une <b>rente compl\u00e8te<\/b> est accord\u00e9e d\u00e8s un taux d\u2019invalidit\u00e9 de <b>70 %<\/b>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dfb95a elementor-widget elementor-widget-text-editor\" data-id=\"9dfb95a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le montant de la rente suit les m\u00eames principes que celui de l\u2019AVS : il varie en fonction du revenu moyen annuel et de la dur\u00e9e de cotisation. En 2025, la rente AI compl\u00e8te s\u2019\u00e9l\u00e8ve entre CHF 1\u2019260 et 2\u2019520 par mois, comme pour l\u2019AVS. Des <strong data-start=\"3291\" data-end=\"3314\">rentes pour enfants<\/strong> peuvent \u00e9galement \u00eatre vers\u00e9es, si l\u2019assur\u00e9 a des enfants mineurs ou en formation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6769b65 elementor-widget elementor-widget-heading\" data-id=\"6769b65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Prestations compl\u00e9mentaires (PC)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97ba7e5 elementor-widget elementor-widget-text-editor\" data-id=\"97ba7e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les <strong>prestations compl\u00e9mentaires (PC)<\/strong> sont une aide financi\u00e8re vers\u00e9e aux personnes domicili\u00e9es en Suisse qui touchent une rente AVS ou AI, mais dont les revenus ne couvrent pas le <strong>minimum vital<\/strong>. Elles compl\u00e8tent les rentes pour garantir un niveau de vie d\u00e9cent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61e3b05 elementor-widget elementor-widget-heading\" data-id=\"61e3b05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment sont calcul\u00e9es les prestations compl\u00e9mentaires (PC) ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d98be5d elementor-widget elementor-widget-text-editor\" data-id=\"d98be5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"8d834a26-88f8-4d66-9fcf-50e3287f6b20\" data-message-model-slug=\"o3-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert light\">Leur montant d\u00e9pend de deux \u00e9l\u00e9ments :<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4713bba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4713bba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les <b>d\u00e9penses<\/b> reconnues (loyer, nourriture, assurance-maladie, soins, etc.)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les <b>revenus disponibles<\/b> (rentes, fortune, revenus accessoires)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d6c104 elementor-widget elementor-widget-text-editor\" data-id=\"1d6c104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"592\" data-end=\"737\">Si vos d\u00e9penses reconnues sont plus \u00e9lev\u00e9es que vos revenus, l\u2019\u00c9tat comble la diff\u00e9rence. Ce n\u2019est pas une aide sociale, mais un <strong data-start=\"718\" data-end=\"736\">droit l\u00e9gal<\/strong>.<\/p><p class=\"\" data-start=\"739\" data-end=\"942\">Les PC comprennent aussi le <strong data-start=\"767\" data-end=\"811\">remboursement<\/strong> de certains frais m\u00e9dicaux, comme les franchises ou les soins non couverts par l\u2019assurance de base. Elles sont financ\u00e9es par la Conf\u00e9d\u00e9ration et les cantons.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9b764b elementor-widget elementor-widget-heading\" data-id=\"e9b764b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Des questions sur le premier pilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da2d1d5 elementor-widget elementor-widget-text-editor\" data-id=\"da2d1d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Notre <a href=\"https:\/\/invexa.ch\/services\/consultant-avs\/\">service de conseil AVS<\/a> se tient \u00e0 vos c\u00f4t\u00e9s pour examiner votre situation dans tous ses d\u00e9tails, clarifier vos droits et obligations, et vous guider vers les d\u00e9marches les plus appropri\u00e9es. Nous prenons le temps de comprendre votre r\u00e9alit\u00e9, d\u2019identifier les points essentiels et de vous fournir des recommandations concr\u00e8tes, structur\u00e9es et adapt\u00e9es \u00e0 vos besoins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13a370b elementor-widget elementor-widget-heading\" data-id=\"13a370b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3a3628 elementor-widget elementor-widget-toggle\" data-id=\"f3a3628\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2551\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2551\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce que le 1er pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2551\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2551\"><p class=\"\" data-start=\"337\" data-end=\"542\">Le 1er pilier est la <strong data-start=\"358\" data-end=\"393\">pr\u00e9voyance \u00e9tatique obligatoire<\/strong>. Il a pour but de garantir le <strong data-start=\"424\" data-end=\"441\">minimum vital<\/strong> aux personnes \u00e2g\u00e9es, invalides ou aux survivants apr\u00e8s un d\u00e9c\u00e8s. Il repose sur trois composantes :<\/p><ul data-start=\"543\" data-end=\"672\"><li class=\"\" data-start=\"543\" data-end=\"593\"><p class=\"\" data-start=\"545\" data-end=\"593\"><strong data-start=\"545\" data-end=\"554\">L\u2019AVS<\/strong> (assurance-vieillesse et survivants)<\/p><\/li><li class=\"\" data-start=\"594\" data-end=\"629\"><p class=\"\" data-start=\"596\" data-end=\"629\"><strong data-start=\"596\" data-end=\"604\">L\u2019AI<\/strong> (assurance-invalidit\u00e9)<\/p><\/li><li class=\"\" data-start=\"630\" data-end=\"672\"><p class=\"\" data-start=\"632\" data-end=\"672\"><strong data-start=\"632\" data-end=\"642\">Les PC<\/strong> (prestations compl\u00e9mentaires)<\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2552\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2552\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qui cotise au 1er pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2552\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2552\"><p class=\"\" data-start=\"718\" data-end=\"795\">Toute personne domicili\u00e9e ou exer\u00e7ant une activit\u00e9 en Suisse doit cotiser :<\/p><ul data-start=\"796\" data-end=\"992\"><li class=\"\" data-start=\"796\" data-end=\"836\"><p class=\"\" data-start=\"798\" data-end=\"836\">Les <strong data-start=\"802\" data-end=\"814\">salari\u00e9s<\/strong> d\u00e8s 17 ans r\u00e9volus,<\/p><\/li><li class=\"\" data-start=\"837\" data-end=\"873\"><p class=\"\" data-start=\"839\" data-end=\"873\">Les <strong data-start=\"843\" data-end=\"859\">ind\u00e9pendants<\/strong> d\u00e8s 18 ans,<\/p><\/li><li class=\"\" data-start=\"874\" data-end=\"992\"><p class=\"\" data-start=\"876\" data-end=\"992\">Les <strong data-start=\"880\" data-end=\"917\">personnes sans activit\u00e9 lucrative<\/strong> d\u00e8s 20 ans (cotisation bas\u00e9e sur la fortune et le revenu de remplacement).<\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2553\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2553\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peut-on anticiper ou reporter sa retraite AVS ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2553\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2553\"><p class=\"\" data-start=\"1407\" data-end=\"1432\">Oui. Il est possible de :<\/p><ul data-start=\"1433\" data-end=\"1610\"><li class=\"\" data-start=\"1433\" data-end=\"1549\"><p class=\"\" data-start=\"1435\" data-end=\"1549\"><strong data-start=\"1435\" data-end=\"1457\">Anticiper la rente<\/strong> (d\u00e8s 63 ans pour les hommes, 62 pour les femmes), avec une r\u00e9duction permanente du montant,<\/p><\/li><li class=\"\" data-start=\"1550\" data-end=\"1610\"><p class=\"\" data-start=\"1552\" data-end=\"1610\"><strong data-start=\"1552\" data-end=\"1573\">Reporter la rente<\/strong> jusqu\u2019\u00e0 70 ans, avec une majoration.<\/p><\/li><\/ul><p class=\"\" data-start=\"1612\" data-end=\"1697\">Depuis la r\u00e9forme AVS21, il est aussi possible de prendre sa rente partiellement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2554\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2554\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qui peut b\u00e9n\u00e9ficier des prestations compl\u00e9mentaires (PC) ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2554\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2554\"><p>Toute personne touchant une rente AVS ou AI peut demander les <strong data-start=\"2201\" data-end=\"2207\">PC<\/strong> si ses revenus ne suffisent pas \u00e0 couvrir ses d\u00e9penses de base. Ce sont des <strong>aides financi\u00e8res<\/strong> calcul\u00e9es en fonction de vos besoins r\u00e9els. Elles ne d\u00e9pendent pas des cotisations, mais de votre situation \u00e9conomique.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2555\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2555\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment savoir si j\u2019ai des lacunes dans mes cotisations AVS ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2555\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2555\"><p>Vous pouvez demander un <strong data-start=\"2526\" data-end=\"2548\">relev\u00e9 de carri\u00e8re<\/strong> aupr\u00e8s de votre caisse de compensation. Il vous permettra de v\u00e9rifier si toutes vos ann\u00e9es de cotisation ont \u00e9t\u00e9 prises en compte.<\/p><p>Un calcul anticip\u00e9 peut \u00e9galement \u00eatre demand\u00e9.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2556\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2556\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelle est la diff\u00e9rence entre le 1er et le 2e pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2556\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2556\"><p>Le <strong data-start=\"3123\" data-end=\"3137\">1er pilier<\/strong> est obligatoire pour tous et vise le minimum vital.<\/p><p>Le <strong data-start=\"3195\" data-end=\"3214\">2e pilier (LPP)<\/strong> est la pr\u00e9voyance professionnelle, obligatoire uniquement pour les salari\u00e9s d\u00e8s un certain seuil de revenu, et sert \u00e0 maintenir le niveau de vie ant\u00e9rieur.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2557\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2557\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Le 1er pilier suffit-il pour vivre \u00e0 la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2557\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2557\"><p>Non. Le montant maximal de la rente AVS (2\u2019450 CHF en 2025) est souvent <strong data-start=\"3517\" data-end=\"3568\">insuffisant <\/strong>pour couvrir l\u2019ensemble des besoins, surtout en cas de logement en ville ou de frais m\u00e9dicaux. Il est donc essentiel de le compl\u00e9ter avec le <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/le-systeme-des-3-piliers-en-suisse\/\">2e et le 3e pilier<\/a><\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que le 1er pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"337\\\" data-end=\\\"542\\\">Le 1er pilier est la <strong data-start=\\\"358\\\" data-end=\\\"393\\\">pr\\u00e9voyance \\u00e9tatique obligatoire<\\\/strong>. Il a pour but de garantir le <strong data-start=\\\"424\\\" data-end=\\\"441\\\">minimum vital<\\\/strong> aux personnes \\u00e2g\\u00e9es, invalides ou aux survivants apr\\u00e8s un d\\u00e9c\\u00e8s. Il repose sur trois composantes :<\\\/p><ul data-start=\\\"543\\\" data-end=\\\"672\\\"><li class=\\\"\\\" data-start=\\\"543\\\" data-end=\\\"593\\\"><p class=\\\"\\\" data-start=\\\"545\\\" data-end=\\\"593\\\"><strong data-start=\\\"545\\\" data-end=\\\"554\\\">L\\u2019AVS<\\\/strong> (assurance-vieillesse et survivants)<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"594\\\" data-end=\\\"629\\\"><p class=\\\"\\\" data-start=\\\"596\\\" data-end=\\\"629\\\"><strong data-start=\\\"596\\\" data-end=\\\"604\\\">L\\u2019AI<\\\/strong> (assurance-invalidit\\u00e9)<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"630\\\" data-end=\\\"672\\\"><p class=\\\"\\\" data-start=\\\"632\\\" data-end=\\\"672\\\"><strong data-start=\\\"632\\\" data-end=\\\"642\\\">Les PC<\\\/strong> (prestations compl\\u00e9mentaires)<\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Qui cotise au 1er pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"718\\\" data-end=\\\"795\\\">Toute personne domicili\\u00e9e ou exer\\u00e7ant une activit\\u00e9 en Suisse doit cotiser :<\\\/p><ul data-start=\\\"796\\\" data-end=\\\"992\\\"><li class=\\\"\\\" data-start=\\\"796\\\" data-end=\\\"836\\\"><p class=\\\"\\\" data-start=\\\"798\\\" data-end=\\\"836\\\">Les <strong data-start=\\\"802\\\" data-end=\\\"814\\\">salari\\u00e9s<\\\/strong> d\\u00e8s 17 ans r\\u00e9volus,<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"837\\\" data-end=\\\"873\\\"><p class=\\\"\\\" data-start=\\\"839\\\" data-end=\\\"873\\\">Les <strong data-start=\\\"843\\\" data-end=\\\"859\\\">ind\\u00e9pendants<\\\/strong> d\\u00e8s 18 ans,<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"874\\\" data-end=\\\"992\\\"><p class=\\\"\\\" data-start=\\\"876\\\" data-end=\\\"992\\\">Les <strong data-start=\\\"880\\\" data-end=\\\"917\\\">personnes sans activit\\u00e9 lucrative<\\\/strong> d\\u00e8s 20 ans (cotisation bas\\u00e9e sur la fortune et le revenu de remplacement).<\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on anticiper ou reporter sa retraite AVS ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"1407\\\" data-end=\\\"1432\\\">Oui. Il est possible de :<\\\/p><ul data-start=\\\"1433\\\" data-end=\\\"1610\\\"><li class=\\\"\\\" data-start=\\\"1433\\\" data-end=\\\"1549\\\"><p class=\\\"\\\" data-start=\\\"1435\\\" data-end=\\\"1549\\\"><strong data-start=\\\"1435\\\" data-end=\\\"1457\\\">Anticiper la rente<\\\/strong> (d\\u00e8s 63 ans pour les hommes, 62 pour les femmes), avec une r\\u00e9duction permanente du montant,<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1550\\\" data-end=\\\"1610\\\"><p class=\\\"\\\" data-start=\\\"1552\\\" data-end=\\\"1610\\\"><strong data-start=\\\"1552\\\" data-end=\\\"1573\\\">Reporter la rente<\\\/strong> jusqu\\u2019\\u00e0 70 ans, avec une majoration.<\\\/p><\\\/li><\\\/ul><p class=\\\"\\\" data-start=\\\"1612\\\" data-end=\\\"1697\\\">Depuis la r\\u00e9forme AVS21, il est aussi possible de prendre sa rente partiellement.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qui peut b\\u00e9n\\u00e9ficier des prestations compl\\u00e9mentaires (PC) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Toute personne touchant une rente AVS ou AI peut demander les <strong data-start=\\\"2201\\\" data-end=\\\"2207\\\">PC<\\\/strong> si ses revenus ne suffisent pas \\u00e0 couvrir ses d\\u00e9penses de base. Ce sont des <strong>aides financi\\u00e8res<\\\/strong> calcul\\u00e9es en fonction de vos besoins r\\u00e9els. Elles ne d\\u00e9pendent pas des cotisations, mais de votre situation \\u00e9conomique.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment savoir si j\\u2019ai des lacunes dans mes cotisations AVS ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vous pouvez demander un <strong data-start=\\\"2526\\\" data-end=\\\"2548\\\">relev\\u00e9 de carri\\u00e8re<\\\/strong> aupr\\u00e8s de votre caisse de compensation. Il vous permettra de v\\u00e9rifier si toutes vos ann\\u00e9es de cotisation ont \\u00e9t\\u00e9 prises en compte.<\\\/p><p>Un calcul anticip\\u00e9 peut \\u00e9galement \\u00eatre demand\\u00e9.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre le 1er et le 2e pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le <strong data-start=\\\"3123\\\" data-end=\\\"3137\\\">1er pilier<\\\/strong> est obligatoire pour tous et vise le minimum vital.<\\\/p><p>Le <strong data-start=\\\"3195\\\" data-end=\\\"3214\\\">2e pilier (LPP)<\\\/strong> est la pr\\u00e9voyance professionnelle, obligatoire uniquement pour les salari\\u00e9s d\\u00e8s un certain seuil de revenu, et sert \\u00e0 maintenir le niveau de vie ant\\u00e9rieur.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Le 1er pilier suffit-il pour vivre \\u00e0 la retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Non. Le montant maximal de la rente AVS (2\\u2019450 CHF en 2025) est souvent <strong data-start=\\\"3517\\\" data-end=\\\"3568\\\">insuffisant <\\\/strong>pour couvrir l\\u2019ensemble des besoins, surtout en cas de logement en ville ou de frais m\\u00e9dicaux. Il est donc essentiel de le compl\\u00e9ter avec le <strong><a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/le-systeme-des-3-piliers-en-suisse\\\/\\\">2e et le 3e pilier<\\\/a><\\\/strong>.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In Switzerland, retirement provision is based on the 3-pillar system. The 1st pillar forms the basis: it is the compulsory state pension scheme. Its aim is to guarantee a minimum standard of living for all those living or working in Switzerland in the event of old age, death or disability.<\/p>","protected":false},"author":1,"featured_media":1280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[43,69,44,47],"class_list":["post-1274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-1er-pilier","tag-ai","tag-avs","tag-retraite"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1274","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=1274"}],"version-history":[{"count":10,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1274\/revisions"}],"predecessor-version":[{"id":7838,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1274\/revisions\/7838"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/1280"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=1274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=1274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=1274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}