{"id":5343,"date":"2021-08-11T10:51:02","date_gmt":"2021-08-11T08:51:02","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&#038;p=5343"},"modified":"2025-09-24T10:29:33","modified_gmt":"2025-09-24T08:29:33","slug":"le-premier-pilier-des-pensions","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/la-pension-legale\/le-premier-pilier-des-pensions\/","title":{"rendered":"Le premier pilier des pensions"},"content":{"rendered":"<h2 class=\"p1 medium-title\"><span class=\"s1\"><b>Qu&rsquo;est-ce que la pension l\u00e9gale<\/b><\/span><b> ?<\/b><\/h2>\n<p class=\"p1\">La pension l\u00e9gale, ou premier pilier de la pension, est <b>la prestation<\/b> que l&rsquo;\u00c9tat verse \u00e0 ses citoyens actifs ayant atteint l&rsquo;\u00e2ge de 65 ans (en principe). Cette limite d&rsquo;\u00e2ge sera port\u00e9e \u00e0 66 ans en 2025 et \u00e0 67 ans en 2030.<\/p>\n<h2 class=\"p1 medium-title\"><span class=\"s1\"><b>Quel est le montant de ma pension<\/b><\/span><b> ?<\/b><\/h2>\n<p class=\"p1\">Pour votre pension l\u00e9gale, on examine principalement <i>vos p\u00e9riodes de travail, ainsi que les p\u00e9riodes qui peuvent \u00eatre assimil\u00e9es \u00e0 des p\u00e9riodes de travail<\/i>. C\u2019est ce qui constitue votre <b>pension de retraite personnelle<\/b>. Il existe \u00e9galement des \u00ab\u00a0droits d\u00e9riv\u00e9s\u00a0\u00bb : des prestations auxquelles vous pouvez avoir droit, mais qui sont fond\u00e9es sur la carri\u00e8re de quelqu&rsquo;un d&rsquo;autre, comme la pension de r\u00e9version.<\/p>\n<p class=\"p1\">En allant sur mypension.be, vous pourrez retrouver\u00a0:<\/p>\n<ul>\n<li>le montant de votre pension l\u00e9gale de retraite en Belgique, ainsi que la date \u00e0 laquelle vous pourrez prendre votre retraite<\/li>\n<li>le montant de la pension compl\u00e9mentaire que vous avez d\u00e9j\u00e0 constitu\u00e9e en Belgique.<\/li>\n<\/ul>\n<h2 class=\"medium-title\"><b>Quand et comment demander votre pension?<\/b><\/h2>\n<p class=\"p1\">Vous pouvez v\u00e9rifier la date la plus proche \u00e0 laquelle vous pouvez faire votre d\u00e9part \u00e0 la retraite via mypension.be.<\/p>\n<h3 class=\"p3 small-title\">Vous \u00eates salari\u00e9 ou ind\u00e9pendant<\/h3>\n<p class=\"p1\">Si vous continuez \u00e0 travailler en tant que salari\u00e9 jusqu&rsquo;\u00e0 l&rsquo;\u00e2ge de 65 ans, le Service F\u00e9d\u00e9ral des Pensions (SFP) calculera automatiquement votre pension, sans que vous ayez \u00e0 en faire la demande. Cela vous permettra alors de conna\u00eetre le montant de votre pension.<\/p>\n<p class=\"p1\">Si vous souhaitez travailler en tant que travailleur ind\u00e9pendant jusqu&rsquo;\u00e0 l&rsquo;\u00e2ge de 65 ans, votre droit \u00e0 la pension sera automatiquement examin\u00e9 par l\u2019Institut National d&rsquo;Assurances Sociales\u00a0pour Travailleurs Ind\u00e9pendants (INASTI).<\/p>\n<p class=\"p1\">Toutefois, si vous n&rsquo;avez pas envie de prendre tout de suite votre retraite d\u00e8s l\u2019\u00e2ge 65 ans, vous n&rsquo;\u00eates pas oblig\u00e9 de le faire. Avec l&rsquo;accord de votre employeur, vous pouvez continuer \u00e0 travailler m\u00eame apr\u00e8s votre 65<sup>i\u00e8me<\/sup> anniversaire.<\/p>\n<p class=\"p1\">Un travailleur ind\u00e9pendant peut lui aussi continuer \u00e0 travailler jusqu&rsquo;\u00e0 ce qu&rsquo;il d\u00e9cide de lui-m\u00eame d&rsquo;arr\u00eater.<\/p>\n<h3 class=\"p3 small-title\">Vous \u00eates fonctionnaire<\/h3>\n<p class=\"p1\">Si vous \u00eates fonctionnaire, votre demande de calcul de pension n&rsquo;est pas automatique. Vous devez en faire la demande vous-m\u00eame au plus t\u00f4t un an avant la date \u00e0 laquelle vous souhaitez mettre fin \u00e0 votre carri\u00e8re.<\/p>\n<h3 class=\"p3 small-title\">Vous avez travaill\u00e9 \u00e0 l&rsquo;\u00e9tranger<\/h3>\n<p class=\"p1\">Vous avez travaill\u00e9 en dehors de l&rsquo;Espace \u00c9conomique Europ\u00e9en (les 27 \u00c9tats membres de l&rsquo;UE + l&rsquo;Islande, le Liechtenstein et la Norv\u00e8ge) ? Dans ce cas, contactez l&rsquo;ONSS ou votre ancien employeur pour plus d&rsquo;informations.<\/p>\n<p data-start=\"259\" data-end=\"436\">La pension l\u00e9gale constitue une base indispensable \u00e0 votre retraite. Pour comprendre comment la compl\u00e9ter efficacement avec d\u2019autres outils, d\u00e9couvrez <a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/la-pension-legale\/\"><strong>notre article d\u00e9di\u00e9.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu&rsquo;est-ce que la pension l\u00e9gale ? La pension l\u00e9gale, ou premier pilier de la pension, est la prestation que l&rsquo;\u00c9tat verse \u00e0 ses citoyens actifs ayant atteint l&rsquo;\u00e2ge de 65 ans (en principe). Cette limite d&rsquo;\u00e2ge sera port\u00e9e \u00e0 66 ans en 2025 et \u00e0 67 ans en 2030. Quel est le montant de ma [&hellip;]<\/p>\n","protected":false},"featured_media":13870,"parent":4509,"menu_order":0,"template":"","class_list":["post-5343","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"introduction":"<p class=\"p1\"><span data-sheets-root=\"1\">En Belgique, le syst\u00e8me repose sur trois piliers de pension. Le premier est la pension l\u00e9gale. Le deuxi\u00e8me correspond \u00e0 la pension compl\u00e9mentaire ou \u00e0 l\u2019assurance groupe, financ\u00e9e par l\u2019employeur ou par l\u2019ind\u00e9pendant lui-m\u00eame. Enfin, le troisi\u00e8me pilier regroupe l\u2019\u00e9pargne-pension et l\u2019\u00e9pargne \u00e0 long terme, offrant un avantage fiscal int\u00e9ressant.<\/span><\/p>\n","silo_children":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le premier pilier des pensions | Pareto, planificateur financier<\/title>\n<meta name=\"description\" content=\"Pension - Premier pilier de la pension l\u00e9gale: D\u00e9couvrez toutes les informations sur la pension l\u00e9gale gr\u00e2ce aux experts Pareto.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/la-pension-legale\/le-premier-pilier-des-pensions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le premier pilier des pensions | Pareto, planificateur financier\" \/>\n<meta property=\"og:description\" content=\"Pension - 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