{"id":387,"date":"2025-11-30T10:11:38","date_gmt":"2025-11-30T10:11:38","guid":{"rendered":"http:\/\/invexa.ch\/?p=387"},"modified":"2026-03-20T15:13:58","modified_gmt":"2026-03-20T15:13:58","slug":"rente-lpp-cas-invalidite","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/rente-lpp-cas-invalidite\/","title":{"rendered":"Rente LPP en cas d’invalidit\u00e9"},"content":{"rendered":"\t\t
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En Suisse, il est important de diff\u00e9rencier deux situations sp\u00e9cifiques en mati\u00e8re d\u2019invalidit\u00e9 : l\u2019invalidit\u00e9 due \u00e0 une maladie<\/strong> et l\u2019invalidit\u00e9 caus\u00e9e par un accident<\/strong>. Dans le premier cas, la rente d\u2019invalidit\u00e9 est vers\u00e9e par le 2\u00e8me pilier (LPP)<\/strong><\/a>, tandis que dans le second, c\u2019est l\u2019assurance accidents (AA)<\/strong> qui prend en charge le versement d\u2019une rente d\u2019invalidit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Pourquoi une rente d'invalidit\u00e9 LPP ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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En <\/span>Suisse, <\/span>la <\/span>pr\u00e9voyance <\/span>professionnelle <\/span>ne <\/span>se <\/span>limite <\/span>pas <\/span>\u00e0 <\/span>pr\u00e9parer <\/span>la <\/span>retraite. <\/span>Elle <\/span>joue <\/span>\u00e9galement <\/span>un <\/span>r\u00f4le <\/span>crucial <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9<\/strong>, <\/span>en <\/span>compl\u00e9ment <\/span>des <\/span>prestations <\/span>de <\/span>l\u2019Assurance-<\/span>invalidit\u00e9 (<\/span>AI<\/strong>). <\/span><\/p>

Lorsqu\u2019une <\/span>personne <\/span>subit <\/span>une <\/span>atteinte <\/span>durable <\/span>\u00e0 <\/span>sa <\/span>capacit\u00e9 <\/span>de <\/span>travail, <\/span>la <\/span>rente <\/span>LPP <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9 <\/span>permet <\/span>de <\/span>compenser <\/span><\/strong>une <\/span>partie <\/span>de <\/span>la <\/span>perte <\/span>de <\/span><\/a>revenu. <\/span>Mais <\/span>quelles <\/span>sont <\/span>les <\/span>conditions <\/span>pour <\/span>en <\/span>b\u00e9n\u00e9ficier, <\/span>quel <\/span>est <\/span>le <\/span>montant <\/span>de <\/span>cette <\/span>rente <\/span>et <\/span>comment <\/span>se <\/span>calcule-<\/span>t-<\/span>elle ? <\/span>Cet <\/span>article <\/span>vous <\/span>guide <\/span>pas <\/span>\u00e0 <\/span>pas <\/span>pour <\/span>comprendre <\/span>le <\/span>fonctionnement <\/span>de <\/span>cette <\/span>prestation <\/span>du <\/span>2\u00e8me <\/span>pilier.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Naissance du droit \u00e0 une rente LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Le <\/span>droit <\/span>\u00e0 <\/span>une <\/span>rente <\/span>LPP <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9 <\/span>ne <\/span>na\u00eet <\/span>pas <\/span>imm\u00e9diatement <\/span>apr\u00e8s <\/span>une <\/span>incapacit\u00e9 <\/span>de <\/span>travail.<\/span> L\u2019invalidit\u00e9 <\/span>doit <\/span>r\u00e9sulter <\/span>d\u2019une <\/span>atteinte <\/span>\u00e0 <\/span>la <\/span>sant\u00e9 (<\/span>maladie <\/span>ou <\/span>accident) <\/span>survenue <\/span>durant <\/span>la <\/span>p\u00e9riode <\/span>d\u2019assurance <\/span>au <\/span>2\u00e8me <\/span>pilier, <\/span>c\u2019est-<\/span>\u00e0-<\/span>dire <\/span>pendant <\/span>l\u2019exercice <\/span>d\u2019une <\/span>activit\u00e9 <\/span>salari\u00e9e <\/span>soumise <\/span>\u00e0 <\/span>l\u2019obligation <\/span>de <\/span>cotisation <\/span>\u00e0 <\/span>la <\/span>LPP. La rente LPP est toujours subordonn\u00e9e \u00e0 une d\u00e9cision pr\u00e9alable<\/strong> de l\u2019AI<\/strong>.
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Tout comme l’AI, le droit \u00e0 une rente LPP nait donc au moment o\u00f9 le degr\u00e9 d’invalidit\u00e9 est de 40%<\/strong>. Un assur\u00e9 a droit \u00e0 1\/4 de rente pour un degr\u00e9 d’invalidit\u00e9 de 40%, \u00e0 une 1\/2 de rente pour un degr\u00e9 de 50%, \u00e0 3\/4 de rente pour un degr\u00e9 de 60%, et \u00e0 l’int\u00e9gralit\u00e9 de la rente d’invalidit\u00e9 \u00e0 partir de 70% d’incapacit\u00e9 de gain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t40 % Taux d\u2019invalidit\u00e9 :<\/strong> 25 % de la rente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t45 % Taux d\u2019invalidit\u00e9 :<\/strong> 37.5 % de la rente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t50% Taux d'invalidit\u00e9 :<\/strong> 50% de la rente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t60% Taux d'invalidit\u00e9 :<\/strong> 60% de la rente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t70% et + Taux d'invalidit\u00e9 :<\/strong> 100% de la rente<\/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
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    Comment est calcul\u00e9e une rente d'invalidit\u00e9 LPP ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    La partie obligatoire<\/strong> de la LPP pr\u00e9voit le calcul comme suit:<\/p>

    L’avoir de vieillesse<\/strong> avec int\u00e9r\u00eats au moment du droit \u00e0 la rente d’invalidit\u00e9 LPP est pris en compte. A cela s’ajoutent les bonifications<\/strong> de vieillesse qui auraient d\u00fb \u00eatre vers\u00e9es jusqu’\u00e0 l’\u00e2ge ordinaire de la retraite. Le montant total est finalement multipli\u00e9 par le taux de conversion pour obtenir la rente d’invalidit\u00e9 LPP annuelle. De plus, si l’assur\u00e9 \u00e0 un ou plusieurs enfants \u00e0 charge, ces derniers recevront une rente pour enfants d’invalide \u00e0 hauteur de 20% de la rente d’invalidit\u00e9 LPP.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Prestations surobligatoires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Il <\/span>est <\/span>important <\/span>de <\/span>v\u00e9rifier <\/span>le <\/span>r\u00e8glement <\/span>de <\/span>sa <\/span>caisse <\/span>de <\/span>pension, <\/span>car <\/span>les <\/span>prestations <\/span>de <\/span>la <\/span>partie <\/span>surobligatoire <\/span><\/strong>peuvent <\/span>\u00eatre <\/span>plus <\/span>g\u00e9n\u00e9reuses, <\/span>notamment <\/span>en <\/span>ce <\/span>qui <\/span>concerne <\/span>le <\/span>calcul <\/span>de <\/span>la <\/span>rente, <\/span>ou <\/span>les <\/span>prestations <\/span>compl\u00e9mentaires.<\/span><\/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

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    Fin de la couverture<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Le <\/span>droit <\/span>\u00e0 <\/span>la <\/span>rente <\/span>LPP <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9 <\/span>prend <\/span>fin<\/span> lorsque <\/span>la <\/span>personne <\/span>invalide <\/span>atteint <\/span>l\u2019\u00e2ge <\/span>l\u00e9gal <\/span>de <\/span>la <\/span>retraite (<\/span>65 <\/span>ans), <\/span>la <\/span>rente <\/span>LPP <\/span>d\u2019invalidit\u00e9 <\/span>est <\/span>remplac\u00e9e <\/span>par <\/span>la <\/span>rente <\/span>de <\/span>vieillesse <\/span>LPP. Si la capacit\u00e9 de gain s\u2019am\u00e9liore de mani\u00e8re significative et que le taux d\u2019invalidit\u00e9 tombe en dessous de 40%<\/strong>, le droit \u00e0 la rente LPP est supprim\u00e9<\/strong>, conform\u00e9ment \u00e0 la r\u00e9\u00e9valuation p\u00e9riodique men\u00e9e par l\u2019AI et l\u2019institution de pr\u00e9voyance.<\/span><\/p>

    En <\/span>cas <\/span>de <\/span>d\u00e9c\u00e8s<\/strong>, <\/span>la <\/span>rente <\/span>d\u2019invalidit\u00e9 <\/span>prend <\/span>fin <\/span>imm\u00e9diatement. <\/span>Selon <\/span>les <\/span>cas, <\/span>des <\/span>rentes <\/span>de <\/span>survivants (<\/span>conjoint <\/span>ou <\/span>orphelins) <\/span>peuvent <\/span>alors <\/span>\u00eatre <\/span>vers\u00e9es.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Rente pour enfants d\u2019invalide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Lorsqu\u2019une <\/span>personne <\/span>per\u00e7oit <\/span>une <\/span>rente <\/span>LPP <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9, <\/span>ses <\/span>enfants <\/span>ont <\/span>\u00e9galement <\/span>droit <\/span>\u00e0 <\/span>une <\/span>rente <\/span>compl\u00e9mentaire <\/span>appel\u00e9e <\/span>rente <\/span>pour <\/span>enfants <\/span>d\u2019invalide<\/span><\/strong>. Pour b\u00e9n\u00e9ficier de cette prestation, l<\/span>\u2019enfant <\/span>doit <\/span>avoir <\/span>moins <\/span>de <\/span>18 <\/span><\/strong>ans<\/strong>, <\/span>ou <\/span>moins <\/span>de <\/span>25 <\/span>ans <\/span><\/strong>s\u2019il <\/span>est <\/span>encore <\/span>en <\/span>formation. Il <\/span>peut <\/span>\u00eatre <\/span>issu <\/span>du <\/span>mariage, <\/span>reconnu, <\/span>adopt\u00e9 <\/span>ou <\/span>plac\u00e9 <\/span>de <\/span>mani\u00e8re <\/span>permanente.
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    Le <\/span>montant de la rente pour enfant d’invalide <\/span>correspond <\/span>\u00e0 <\/span>20% <\/span><\/strong>de <\/span>la <\/span>rente <\/span>d\u2019invalidit\u00e9 <\/span>LPP <\/span>vers\u00e9e <\/span>au <\/span>parent. Elle<\/span> est <\/span>vers\u00e9e <\/span>pour <\/span>chaque <\/span>enfant <\/span><\/strong>remplissant <\/span>les <\/span>conditions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Coordination des prestations AI et LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    L<\/span>es <\/span>rentes <\/span>AI <\/span>et <\/span>LPP <\/span>ne <\/span>s\u2019additionnent <\/strong><\/span>pas <\/span><\/strong>librement. <\/span>Un <\/span>m\u00e9canisme <\/span>de <\/span>coordination, <\/span>appel\u00e9 <\/span>surindemnisation<\/strong>, <\/span>vise <\/span>\u00e0 <\/span>\u00e9viter <\/span>que <\/span>le <\/span>revenu <\/span>total <\/span>provenant <\/span>des <\/span>assurances <\/span>sociales <\/span>d\u00e9passe <\/span>le <\/span>revenu <\/span>que <\/span>l\u2019assur\u00e9 <\/span>percevait <\/span>avant <\/span>l\u2019apparition <\/span>de <\/span>son <\/span>invalidit\u00e9.<\/span><\/p>

    En <\/span>r\u00e8gle <\/span>g\u00e9n\u00e9rale, <\/span>le <\/span>total <\/span>des <\/span>rentes (<\/span>AI, <\/span>LPP, <\/span>LAA<\/span> et <\/span>autres <\/span>\u00e9ventuelles <\/span>prestations) <\/span>ne <\/span>doit <\/span>pas <\/span>exc\u00e9der <\/span>90% <\/span><\/strong>du <\/span>dernier <\/span>revenu <\/span>d\u2019activit\u00e9. <\/span>Si <\/span>ce <\/span>plafond <\/span>est <\/span>atteint, <\/span>c\u2019est <\/span>la <\/span>rente <\/span>LPP <\/span>qui <\/span>est <\/span>r\u00e9duite <\/span>en <\/span>priorit\u00e9. <\/span>Ce <\/span>m\u00e9canisme <\/span>permet <\/span>de <\/span>maintenir <\/span>l\u2019\u00e9quit\u00e9 <\/span>du <\/span>syst\u00e8me <\/span>de <\/span>pr\u00e9voyance, <\/span>tout <\/span>en <\/span>\u00e9vitant <\/span>des <\/span>situations <\/span>de <\/span>surcompensation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Coordination des prestations AI et LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Le <\/span>droit <\/span>\u00e0 <\/span>la <\/span>rente <\/span>LPP <\/span>en <\/span>cas <\/span>d\u2019invalidit\u00e9 <\/span>ne <\/span>prend <\/span>effet <\/span>qu\u2019apr\u00e8s <\/span>un <\/span>certain <\/span>d\u00e9lai. <\/span>Ce <\/span>d\u00e9lai <\/span>de <\/span>carence <\/span><\/strong>est <\/span>en principe <\/span>align\u00e9 <\/span>sur <\/span>celui <\/span>de <\/span>l\u2019AI <\/span>et <\/span>dure <\/span>un an au moins<\/span> \u00e0 <\/span>partir <\/span>du <\/span>d\u00e9p\u00f4t <\/span>de <\/span>la <\/span>demande <\/span>de <\/span>prestations. <\/span>Sur le court terme, l’employeur maintient le salaire. Sur le moyen terme, <\/span>l\u2019assur\u00e9 <\/span>doit <\/span>s\u2019appuyer <\/span>sur <\/span>d\u2019autres <\/span>revenus, <\/span>comme <\/span>les <\/span>indemnit\u00e9s <\/span>journali\u00e8res <\/span>en <\/span>cas <\/span>de <\/span>maladie (souscrit par l’employeur), <\/span>ou <\/span>ses <\/span>\u00e9conomies <\/span>personnelles.
    <\/span><\/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>\n\t\t","protected":false},"excerpt":{"rendered":"

    La rente LPP en cas d’invalidit\u00e9 est une prestation cl\u00e9 du syst\u00e8me de pr\u00e9voyance suisse. Elle offre une s\u00e9curit\u00e9 financi\u00e8re aux personnes devenues incapables de travailler. Elle vient compl\u00e9ter les rentes de l’AI.<\/p>\n","protected":false},"author":1,"featured_media":1111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34,64],"class_list":["post-387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp","tag-maladie"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/comments?post=387"}],"version-history":[{"count":6,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/387\/revisions"}],"predecessor-version":[{"id":9025,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/387\/revisions\/9025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/1111"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}