{"id":54,"date":"2020-06-17T15:55:33","date_gmt":"2020-06-17T13:55:33","guid":{"rendered":"https:\/\/www.epargne-salariale.fr\/blog\/?p=54"},"modified":"2020-06-23T16:26:48","modified_gmt":"2020-06-23T14:26:48","slug":"contrats-depargne-retraite-en-desherence-bientot-du-mieux","status":"publish","type":"post","link":"https:\/\/www.epargne-salariale.fr\/blog\/2020\/06\/17\/contrats-depargne-retraite-en-desherence-bientot-du-mieux\/","title":{"rendered":"Contrats d\u2019\u00e9pargne retraite en d\u00e9sh\u00e9rence : bient\u00f4t du mieux ?"},"content":{"rendered":"\n

Les d\u00e9put\u00e9s se sont saisis de cette question sensible.<\/p>\n\n\n\n

En effet, en France, l\u2019ACPR a \u00e9valu\u00e9 \u00e0 13 milliards d\u2019euros de contrats d\u2019\u00e9pargne retraite suppl\u00e9mentaire dont les b\u00e9n\u00e9ficiaires n’avaient pas liquid\u00e9 les droit alors qu’ils avaient pass\u00e9 l\u2019\u00e2ge de soixante-deux ans.<\/strong><\/p>\n\n\n\n

Il s’agit principalement des contrats du type Article 83, Article 39 ou encore contrat de retraite Madelin <\/strong>pour les ind\u00e9pendants et professions lib\u00e9rales. <\/p>\n\n\n\n

\"\"<\/figure>
\n

Avec l’accord des assureurs, la proposition de loi veut ainsi \u00ab r\u00e9gler en grande partie le probl\u00e8me de la d\u00e9sh\u00e9rence sur les contrats d\u2019assurance retraite suppl\u00e9mentaire<\/em> \u00bb.<\/p>\n<\/div><\/div>\n\n\n\n


Cette initiative s’inscrit dans une d\u00e9marche plus vaste de r\u00e9cup\u00e9ration des contrats d’assurance vie et comptes bancaires en d\u00e9sh\u00e9rence<\/strong>, pour lesquels le r\u00e9gulateur a proc\u00e9d\u00e9 \u00e0 de lourdes sanctions financi\u00e8res pour les acteurs de l’\u00e9pargne retraite qui n’avaient pas mis en \u0153uvre les mesures de recherche ad\u00e9quates. <\/p>\n\n\n\n

C’est pourquoi les parlementaires veulent aider les \u00e9pargnants \u00e0 recouvrir les comptes et sommes constitu\u00e9es pour la retraite dont ils auraient perdu la trace.
Des d\u00e9put\u00e9s vont \u00e9tudier en commission une proposition de loi pour informer plus utilement et concr\u00e8tement les actifs et les retrait\u00e9s sur leurs contrats de retraite suppl\u00e9mentaire<\/span>, \u00e0 savoir principalement les contrats du type Article 83. En effet, ces dernies sont souscrits par l’entreprise pour le salari\u00e9 et donc ce dernier perd souvent la trace du gestionnaire de son compte et donc des sommes qu’il a \u00e9pargn\u00e9es.<\/p>\n\n\n\n

Concr\u00e8tement, la proposition de loi doit vise \u00e0 permettre au salari\u00e9s ou ancien salari\u00e9 de s\u2019informer et \u00e9ventuellement retrouver ses anciens contrats de retraite suppl\u00e9mentaire (Article 83, Artiche 39, Contrats Madelin) <\/strong>via le site Internet Info Retraite<\/a>. Si cette proposition de loi est accept\u00e9e, les banques et assureurs qui distribuent les contrats d’\u00e9pargne retraite au c\u00f4t\u00e9 des gestionnaires d\u2019actifs devront transmettre les informations n\u00e9cessaires au responsable du groupement d\u2019int\u00e9r\u00eat public (GIP) Union Retraite.<\/p>\n","protected":false},"excerpt":{"rendered":"

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