{"id":72239,"date":"2025-07-31T13:11:05","date_gmt":"2025-07-31T11:11:05","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=72239"},"modified":"2025-12-12T13:39:42","modified_gmt":"2025-12-12T12:39:42","slug":"la-retraite-progressive-evolue","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/la-retraite-progressive-evolue\/","title":{"rendered":"La retraite progressive \u00e9volue"},"content":{"rendered":"\n<p>La retraite progressive permet de diminuer son temps de travail tout en compensant partiellement sa baisse de r\u00e9mun\u00e9ration. \u00c0 compter du 1er septembre 2025, l\u2019\u00e2ge d\u2019acc\u00e8s \u00e0 ce dispositif \u00e9volue, et passe \u00e0 60 ans quel que soit le statut professionnel.<\/p>\n\n\n\n<p>Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, revient sur le dispositif de la retraite progressive et ce changement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que la retraite progressive&nbsp;?<\/strong><\/h2>\n\n\n\n<p>La <a href=\"https:\/\/valoxy.org\/blog\/la-retraite-progressive\/\">retraite progressive<\/a> permet \u00e0 un actif en fin de carri\u00e8re de diminuer son temps de travail, et de passer \u00e0 temps partiel, tout en percevant une partie de ses pensions de retraite (base et compl\u00e9mentaire).<\/p>\n\n\n\n<p>Elle est calcul\u00e9e en fonction des droits \u00e0 la retraite acquis. Le pourcentage d\u00e9pend de la dur\u00e9e du temps de travail. Un senior qui travaillerait l\u2019\u00e9quivalent de 60% d\u2019un temps complet, percevrait 40% de sa retraite.<\/p>\n\n\n\n<p>La pension vers\u00e9e permet de compenser en partie la baisse de revenus engendr\u00e9e par le passage \u00e0 temps partiel. Le dispositif de retraite progressive vise ainsi \u00e0 am\u00e9nager une transition en douceur entre la vie professionnelle et la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Retraite progressive&nbsp;: quels changements au 1er septembre 2025<\/strong><\/h2>\n\n\n\n<p>L\u2019Accord National Interprofessionnel (ANI) sur l\u2019emploi des seniors, sign\u00e9 par les partenaires sociaux le 14 novembre 2024, a abaiss\u00e9 l\u2019\u00e2ge d\u2019acc\u00e8s \u00e0 la retraite progressive \u00e0 60 ans, au lieu de \u201cl\u2019\u00e2ge l\u00e9gal moins deux ans\u201d. Les d\u00e9crets publi\u00e9s au Journal officiel le 23&nbsp;juillet 2025 actent ce changement, qui s\u2019appliquera \u00e0 toutes les pensions prenant effet \u00e0 partir du 1\u1d49\u02b3 septembre 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qui est \u00e9ligible \u00e0 la retraite progressive&nbsp;?<\/strong><\/h2>\n\n\n\n<p>La r\u00e9forme des retraites de 2023 a \u00e9tendu la retraite progressive <strong>\u00e0 tous les actifs, quel que soit leur statut professionnel<\/strong>. (Le dispositif n\u2019\u00e9tait auparavant r\u00e9serv\u00e9 qu\u2019aux salari\u00e9s du secteur priv\u00e9, aux artisans, aux commer\u00e7ants et aux exploitants agricoles).<\/p>\n\n\n\n<p>D\u00e9j\u00e0, en 2022 , le dispositif s&rsquo;ouvrait aux cadres pay\u00e9s au \u00ab&nbsp;forfait jour&nbsp;\u00bb.  Et, depuis le 1er septembre 2023, les fonctionnaires et les agents contractuels&nbsp;des fonctions publiques&nbsp;d&rsquo;\u00e9tat, hospitali\u00e8re et territoriale, les agents des entreprises et \u00e9tablissements publics (SNCF, EDF, RATP, Banque de France\u2026), les professionnels lib\u00e9raux (m\u00e9decins, architectes, notaires, experts-comptables\u2026) et les avocats, y ont acc\u00e8s.&nbsp;<\/p>\n\n\n\n<p>\u00c0 compter du 1er septembre 2025, l\u2019abaissement \u00e0 60 ans de l\u2019\u00e2ge d\u2019ouverture de la retraite progressive concerne&nbsp;<strong>tous les actifs.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelles conditions pour b\u00e9n\u00e9ficier de la retraite progressive ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoir 60&nbsp;ans (quelle que soit son ann\u00e9e de naissance) pour une retraite progressive prenant effet \u00e0 partir du 1er&nbsp;septembre 2025,<\/li>\n\n\n\n<li>Avoir valid\u00e9 au moins 150 trimestres de cotisations \u00e0 l&rsquo;assurance retraite (37,5 ans), tous r\u00e9gimes de base confondus,<\/li>\n\n\n\n<li>R\u00e9duire son temps de travail :\n<ul class=\"wp-block-list\">\n<li>entre 40 % et 80 % d\u2019un temps plein pour les salari\u00e9s,&nbsp;<\/li>\n\n\n\n<li>entre 50 % \u00e0 90 % d\u2019un temps plein pour les fonctionnaires. (\u00c0 noter que les salari\u00e9s et fonctionnaires <strong>d\u00e9j\u00e0 en temps partiel<\/strong> peuvent aussi demander \u00e0 passer en retraite progressive).<\/li>\n\n\n\n<li>Pour les ind\u00e9pendants, il faut r\u00e9duire son revenu professionnel de 20 % \u00e0 60&nbsp;%. Il faut aussi exercer <strong>\u00e0 titre exclusif<\/strong> une activit\u00e9 ind\u00e9pendante.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quels sont les avantages et les inconv\u00e9nients ?<\/strong><\/h2>\n\n\n\n<p><strong>Les avantages&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La retraite progressive permet aux actifs de continuer de travailler, <strong>et donc de cotiser<\/strong>. Cela permet de cr\u00e9er des droits nouveaux de retraite suppl\u00e9mentaires, qui entreront dans le calcul au moment du d\u00e9part \u00e0 la retraite.<\/li>\n\n\n\n<li>Les salari\u00e9s en retraite progressive font toujours partie des effectifs de leur entreprise. Ils continuent donc de b\u00e9n\u00e9ficier de tous les avantages salariaux.&nbsp;(augmentations annuelles collectives, plans de formation, RTT, CE, <a href=\"https:\/\/valoxy.org\/blog\/le-titre-restaurant-3\/\">titres-restaurants<\/a>, compl\u00e9mentaire sant\u00e9, <a href=\"https:\/\/valoxy.org\/blog\/lepargne-salariale-fonctionnement-et-perspectives-2018-2019\/\">\u00e9pargne salariale<\/a>, \u00e9pargne retraite, etc.)<\/li>\n<\/ul>\n\n\n\n<p><strong>Les inconv\u00e9nients&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Baisse de revenu : le prorata vers\u00e9 de la retraite ne compense pas toujours la diminution du revenu professionnel li\u00e9e au passage \u00e0 temps partiel.<\/li>\n\n\n\n<li>Droits \u00e0 la retraite future diminu\u00e9s : l\u2019actif cotise moins et ouvre donc moins de droits.<\/li>\n\n\n\n<li>La retraite progressive est li\u00e9e \u00e0 <strong>l\u2019autorisation de l\u2019employeur<\/strong>. De m\u00eame que la sur-cotisation, qui permet de cotiser \u00e0 hauteur d&rsquo;un temps plein, m\u00eame en travaillant \u00e0 temps partiel. (Cela permettra d&rsquo;obtenir une pension de retraite meilleure, \u00e0 hauteur d\u2019un travail \u00e0 temps plein)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelle d\u00e9marche effectuer ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Demander (par courrier recommand\u00e9 avec avis de r\u00e9ception) un passage \u00e0 temps partiel \u00e0 son employeur. Indiquer la&nbsp;dur\u00e9e de travail souhait\u00e9e,&nbsp;la&nbsp;date envisag\u00e9e.\n<ul class=\"wp-block-list\">\n<li>L\u2019employeur doit r\u00e9pondre dans un d\u00e9lai de deux mois suivant la r\u00e9ception de la demande. Sans r\u00e9ponse dans ce d\u00e9lai, la demande est consid\u00e9r\u00e9e comme accept\u00e9e.<\/li>\n\n\n\n<li>Le refus de l\u2019employeur n\u2019est possible que pour un motif&nbsp; d\u2019&rsquo;incompatibilit\u00e9 de la <strong>dur\u00e9e de travail demand\u00e9e<\/strong> avec l&rsquo;activit\u00e9  de l\u2019entreprise.&nbsp; Cependant, s\u2019il existe dans l&rsquo;entreprise un accord collectif d&rsquo;am\u00e9nagement de fin de carri\u00e8re, l\u2019employeur ne peut pas refuser la demande de retraite progressive..<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Transmettre une demande de retraite progressive \u00e0 la caisse de retraite en remplissant le&nbsp;<a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/files\/live\/sites\/pub\/files\/PDF\/demande-retraite-progressive.pdf\">formulaire d\u00e9di\u00e9<\/a>.&nbsp;(disponible sur le site de l&rsquo;Assurance retraite)<\/li>\n\n\n\n<li>Faire remplir l&rsquo;<a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/files\/live\/sites\/pub\/files\/PDF\/attest-retraite-progressive.pdf\">attestation de retraite progressive<\/a>&nbsp;par l\u2019employeur.&nbsp;<\/li>\n\n\n\n<li>Joindre les documents suivants \u00e0 sa demande&nbsp;:\n<ul class=\"wp-block-list\">\n<li>copie du contrat de travail \u00e0 temps partiel&nbsp;;<\/li>\n\n\n\n<li>d\u00e9claration sur l&rsquo;honneur attestant de ne plus exercer aucune autre activit\u00e9 professionnelle que celle correspondant au contrat \u00e0 temps partiel. (Joindre tout document justificatif de cette situation)&nbsp;;<\/li>\n\n\n\n<li>les bulletins de paie des douze derniers mois pr\u00e9c\u00e9dant la date de d\u00e9p\u00f4t de la demande.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Certaines caisses de retraite compl\u00e9mentaire demandent aussi le d\u00e9p\u00f4t d\u2019une&nbsp;demande sp\u00e9cifique.<\/p>\n\n\n\n<p>Cet article vous a \u00e9t\u00e9 utile ? Dites-le nous dans les commentaires ci-apr\u00e8s ! Retrouvez aussi nos autres articles sur le blog de Valoxy :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/valoxy.org\/blog\/emploi-des-seniors\/\">L\u2019emploi des seniors<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/preparer-sa-demande-de-retraite\/\">Pr\u00e9parer sa demande de retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/cumul-emploi-retraite-2\/\">Le cumul emploi-retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/levolution-du-systeme-de-retraite\/\">L\u2019\u00e9volution du syst\u00e8me de retraite<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/creation-dentreprise-et-retraite\/\"><\/a><a href=\"https:\/\/valoxy.org\/blog\/la-retraite-anticipee\/\">La retraite anticip\u00e9e<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/le-projet-de-reforme-des-retraites-de-2023\/\">Le projet de r\u00e9forme des retraites 2023<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>La retraite progressive permet de diminuer son temps de travail tout en compensant partiellement sa baisse de r\u00e9mun\u00e9ration. \u00c0 compter du 1er septembre 2025, l\u2019\u00e2ge d\u2019acc\u00e8s \u00e0 ce dispositif \u00e9volue, et passe \u00e0 60 ans quel que soit le statut&#8230;<\/p>\n","protected":false},"author":1,"featured_media":72241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-72239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - 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