Une pension complémentaire: Pourquoi? Comment?
| Auteur | Delphine Castiaux/Marie-Pierre Donéa |
| Occupation de l'auteur | Licenciée en droit et diplômée d'études spécialisées en droit social/Licenciée en droit et en sciences fiscales |
| Pages | 11-14 |
Page 11
Plus personne n'ignore qu'il est fondamental pour les pensionnés de demain de se poser la question de la constitution d'une pension complémentaire.
En effet, au cours des prochaines décennies, le vieillissement de la population belge connaîtra une accélération rapide, ce qui représentera un défi énorme en matière de pension. L'augmentation du nombre de retraités et la réduction de la population active provoqueront une charge financière insupportable pour les travailleurs.
Il est donc fondamental que dès aujourd'hui, les pensionnés de demain s'attèlent à la constitution d'une pension complémentaire.
La question est de savoir comment faire en pratique pour s'assurer un niveau de vie équivalent à celui connu durant la vie active.
Rappelons qu'actuellement, le système belge des pensions repose sur trois piliers.
Page 12
Schématiquement, la situation peut être présentée comme suit:
| | ||
| 1er pilier Pension légale | 2ème pilier Pensions complémentaires a) Loi Vandenbroucke du 28 avril 2003 sur les pensions complémentaires (la LPC) * Les engagements collectifs de pension (assurance de groupe et fonds de pension); * Les engagements individuels - anciennes promesses de pension (ADE, provision constituée au passif du bilan); - nouveaux engagements individuels de pension b) Loi-programme du 24 décembre 2002 : la pension libre complémentaire des indépendants (la PLCI) | 3ème pilier - L’assurance-vie (individuelle) - L’épargne-pension |
L'Etat soutient évidemment...
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SOLLICITEZ VOTRE ESSAI- Livres et Revues
- Une pension complémentaire: Pourquoi? Comment?
- Les dispositions légales et réglementaires applicables
- Le champ d'application de la loi Vandenbroucke
- Lexique
- Schémas généraux
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