{"id":15828,"date":"2023-01-16T17:26:34","date_gmt":"2023-01-16T15:26:34","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=15828"},"modified":"2024-11-08T10:59:37","modified_gmt":"2024-11-08T08:59:37","slug":"quelles-conditions-pour-pension-de-reversion","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/quelles-conditions-pour-pension-de-reversion\/","title":{"rendered":"Quelles conditions pour percevoir une pension de r\u00e9version ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous pouvez pr\u00e9tendre \u00e0 recevoir une pension de r\u00e9version, c'est-\u00e0-dire une partie de la pension de retraite de base de votre conjoint retrait\u00e9 d\u00e9c\u00e9d\u00e9. Il a pu exercer une activit\u00e9 salari\u00e9e, de fonctionnaire, d'entrepreneur, d'agriculteur, de ministre du culte ou de profession lib\u00e9rale (sauf avocat).  La pension est \u00e9gale \u00e0&nbsp;54 %&nbsp;de la retraite que votre \u00e9poux(se) percevait ou aurait pu percevoir (majorations non comprises). <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut b\u00e9n\u00e9ficier de la pension de r\u00e9version ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez toucher la <strong>pension de r\u00e9version<\/strong> de votre <strong>\u00e9poux<\/strong>(se) d\u00e9c\u00e9d\u00e9(e), peu importe combien de temps a dur\u00e9 votre mariage. Vous pouvez demander la pension de r\u00e9version m\u00eame si vous&nbsp;vivez de nouveau en couple&nbsp;apr\u00e8s le d\u00e9c\u00e8s. L'ex-conjoint peut \u00e9galement faire la demande.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les autres conditions : avoir plus de 55 ans et disposer de ressources ne d\u00e9passant pas un plafond autoris\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : le <strong>partenaire de PACS<\/strong> ou le(a) <strong>concubin<\/strong>(e) du d\u00e9funt ne peut pas demander une pension de r\u00e9version. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment faire la demande de r\u00e9version de la pension de retraite ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"> L'organisme de <strong>s\u00e9curit\u00e9 sociale<\/strong>, <strong>l'assurance retraite <\/strong>ou la <strong>MSA<\/strong>, peut verser une pension de r\u00e9version selon que le d\u00e9funt \u00e9tait salari\u00e9 du priv\u00e9 ou agricole.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez en faire la demande vous-m\u00eame soit par <a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/R58202\" target=\"_blank\">Internet<\/a> soit par courrier postal adress\u00e9 \u00e0 la caisse de retraite de la derni\u00e8re activit\u00e9 du d\u00e9funt en utilisant le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/files\/live\/sites\/pub\/files\/PDF\/demande%20de%20retraite%20de%20r%c3%a9version.pdf\" target=\"_blank\">formulaire<\/a> ad\u00e9quat. Celui-ci vous permet de faire une seule demande pour l'ensemble des activit\u00e9s que votre conjoint d\u00e9funt aura pu exercer : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>salari\u00e9, chef d\u2019entreprise, conjoint collaborateur, artisan, commer\u00e7ant et industriel, etc. (l\u2019Assurance retraite) ;<\/li><li>salari\u00e9 agricole, chef d\u2019exploitation ou d\u2019entreprise agricole, collaborateur et aide familial (MSA) ;<\/li><li>professionnel lib\u00e9ral (CARCDSF, CARMF, Carpimko, CARPV, Cavamac, Cavec, Cavom, CAVP, Cipav, CPRN, Ircec) sauf avocat (CNBF) ;<\/li><li>ministre des cultes ou religieux (Cavimac).<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : la r\u00e9version ne peut pas se cumuler avec la <strong>pension d\u2019invalidit\u00e9 de veuf<\/strong>(ve). Si vous \u00eates \u00e9ligible aux 2, l'organisme vous aidera \u00e0 calculer ce qu'il est pr\u00e9f\u00e9rable de demander dans votre cas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quand faire la demande de r\u00e9version ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ne tardez pas \u00e0 faire votre demande apr\u00e8s le d\u00e9c\u00e8s de votre (ex) conjoint : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>dans les 12 mois suivant le d\u00e9c\u00e8s, le point de d\u00e9part de votre pension de r\u00e9version sera fix\u00e9 au 1er jour du mois suivant le d\u00e9c\u00e8s, <\/li><li>au-del\u00e0 des 12 mois suivant le d\u00e9c\u00e8s, le point de d\u00e9part de votre pension de r\u00e9version sera fix\u00e9 au 1er jour du mois suivant le d\u00e9p\u00f4t de votre demande.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez signaler toute modification de vos ressources et\/ou de votre situation familiale.  La <strong>pension de r\u00e9version <\/strong>pourra en effet \u00eatre <strong>r\u00e9vis\u00e9e <\/strong>: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>jusqu\u2019au 1er jour du mois suivant l\u2019<strong>\u00e2ge l\u00e9gal de d\u00e9part \u00e0 la retraite<\/strong> si vous n\u2019avez aucun droit \u00e0 une retraite personnelle,<\/li><li>ou sinon 3 mois apr\u00e8s le point de d\u00e9part de l\u2019ensemble de vos<strong> retraites personnelles<\/strong> (de <strong>base et compl\u00e9mentaires<\/strong>) obtenues en France et\/ou dans d\u2019autres pays.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A savoir : le montant peut \u00eatre major\u00e9 si vous avez eu ou \u00e9lev\u00e9 au moins 3 enfants ou si vous avez encore des enfants \u00e0 charge.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels justificatifs fournir ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devrez fournir dans tous les cas : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une photocopie d\u2019un justificatif d\u2019\u00e9tat civil, <\/li><li>un <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-rib-releve-didentite-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">relev\u00e9 d\u2019identit\u00e9 bancaire RIB<\/a>,<\/li><li>une photocopie de vos 2 derniers avis d\u2019imp\u00f4t sur le revenu ou de vos 2 derniers avis de situation, d\u00e9clarative \u00e0 l\u2019imp\u00f4t sur le revenu et, si vous vivez en couple, une photocopie des deux derniers avis d\u2019imp\u00f4t sur le revenu ou des deux derniers avis de situation d\u00e9clarative \u00e0 l\u2019imp\u00f4t sur le revenu de votre concubin ou de votre partenaire pacs\u00e9,<\/li><li>une photocopie de l\u2019acte de naissance du (ex) conjoint d\u00e9c\u00e9d\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Quelles conditions pour percevoir une pension de r\u00e9version ?\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F13104\" target=\"_blank\">Pension de r\u00e9version - D\u00e9funt ayant travaill\u00e9 dans le priv\u00e9 sur le site <\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F13104\" target=\"_blank\">s<\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F13104\" target=\"_blank\">ervice-public.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/home\/actif\/travailleur-independant\/veuvage\/pension-reversion-veuvage.html\" target=\"_blank\">Pension de r\u00e9version sur le site lassuranceretraite.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/agriculture.gouv.fr\/la-reversion-de-la-retraite-de-base-non-salariee-agricole\" target=\"_blank\">La r\u00e9version de la retraite de base non salari\u00e9e agricole sur le site du Minist\u00e8re de l'Agriculture<\/a><\/li><\/ul>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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la retraite compl\u00e9mentaire et l&#039;\u00e9pargne retraite ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous pouvez pr\u00e9tendre \u00e0 recevoir une pension de r\u00e9version, c'est-\u00e0-dire une partie de la pension de retraite de base de votre conjoint retrait\u00e9 d\u00e9c\u00e9d\u00e9. Il a pu exercer une activit\u00e9 salari\u00e9e, de fonctionnaire, d'entrepreneur, d'agriculteur, de ministre du culte ou de profession lib\u00e9rale (sauf avocat). La pension est \u00e9gale \u00e0&nbsp;54 %&nbsp;de la retraite que votre [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15907,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":13,"views":4451,"viewed_at":"1778489220","newsletter":"1","_yoast_wpseo_primary_category":160,"footnotes":""},"categories":[128,127,278,160,270,275],"tags":[],"class_list":["post-15828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bien-reagir-en-cas-de-difficultes","category-en-cas-de-difficultes","category-jai-des-difficultes","category-le-deces","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>Quelles conditions pour percevoir une pension de r\u00e9version ? - Le d\u00e9c\u00e8s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si votre (ex)conjoint retrait\u00e9 est d\u00e9c\u00e9d\u00e9, vous pouvez recevoir une pension de r\u00e9version, c&#039;est-\u00e0-dire une partie de sa pension de retraite de base.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quelles-conditions-pour-pension-de-reversion\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelles conditions pour percevoir une pension de r\u00e9version ? - 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