{"id":343,"date":"2021-11-18T14:56:22","date_gmt":"2021-11-18T13:56:22","guid":{"rendered":"https:\/\/fppic.ch\/?page_id=343"},"modified":"2024-05-01T13:51:49","modified_gmt":"2024-05-01T11:51:49","slug":"prevoyance-suisse","status":"publish","type":"page","link":"https:\/\/fppic.ch\/fr\/informations\/prevoyance-suisse\/","title":{"rendered":"Pr\u00e9voyance suisse"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb280px\u00a0\u00bb custom_margin=\u00a0\u00bb|auto|0px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px||50px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_post_title meta=\u00a0\u00bboff\u00a0\u00bb featured_image=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb title_text_color=\u00a0\u00bb#9F0243&Prime; title_font_size=\u00a0\u00bb37px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_post_title][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbPoppins||||||||\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Les 3 piliers de l&rsquo;assurance sociale en suisse<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>En Suisse, le syst\u00e8me de pr\u00e9voyance repose sur trois piliers. Ce syst\u00e8me (article 111 de la Constitution f\u00e9d\u00e9rale) a pour but de maintenir le standard de vie ant\u00e9rieur de l\u2019assur\u00e9 au moment de la retraite, en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s, pour soi-m\u00eame ou les survivants.<\/p>\n<p>La FPPIC et ses prestations sont partie int\u00e9grante des 3 piliers de l&rsquo;assurance vieillesse, invalidit\u00e9 et survivants suisse.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbServices\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||true|\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; make_equal=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px|auto|0px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px||20px||true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb animation_style=\u00a0\u00bbflip\u00a0\u00bb animation_direction=\u00a0\u00bbtop\u00a0\u00bb animation_duration=\u00a0\u00bb500ms\u00a0\u00bb animation_intensity_flip=\u00a0\u00bb20%\u00a0\u00bb animation_delay_tablet=\u00a0\u00bb0ms\u00a0\u00bb animation_delay_last_edited=\u00a0\u00bboff|desktop\u00a0\u00bb border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset2&Prime; box_shadow_horizontal=\u00a0\u00bb10px\u00a0\u00bb box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb25px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(50,71,71,0.05)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bb1er pilier\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x68;||divi||400&Prime; icon_color=\u00a0\u00bbgcid-05ab768d-ec29-41b1-932d-bd92cafc8c72&Prime; image_icon_width=\u00a0\u00bb70px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_level=\u00a0\u00bbh3&Prime; header_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb header_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_text_color=\u00a0\u00bb#9F0243&Prime; header_font_size=\u00a0\u00bb18px\u00a0\u00bb header_line_height=\u00a0\u00bb1.4em\u00a0\u00bb body_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb body_text_align=\u00a0\u00bbcenter\u00a0\u00bb body_text_color=\u00a0\u00bbrgba(0,39,37,0.6)\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bb#pilier_1&Prime; header_font_size_tablet=\u00a0\u00bb16px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb70px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{%22gcid-05ab768d-ec29-41b1-932d-bd92cafc8c72%22:%91%22icon_color%22%93}\u00a0\u00bb][\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px||20px||true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb animation_style=\u00a0\u00bbflip\u00a0\u00bb animation_direction=\u00a0\u00bbtop\u00a0\u00bb animation_duration=\u00a0\u00bb500ms\u00a0\u00bb animation_delay=\u00a0\u00bb100ms\u00a0\u00bb animation_intensity_flip=\u00a0\u00bb20%\u00a0\u00bb animation_delay_tablet=\u00a0\u00bb0ms\u00a0\u00bb animation_delay_phone=\u00a0\u00bb\u00a0\u00bb animation_delay_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset2&Prime; box_shadow_horizontal=\u00a0\u00bb10px\u00a0\u00bb box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb25px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(50,71,71,0.05)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bb2\u00e8me pilier\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x68;||divi||400&Prime; icon_color=\u00a0\u00bbgcid-05ab768d-ec29-41b1-932d-bd92cafc8c72&Prime; image_icon_width=\u00a0\u00bb70px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_level=\u00a0\u00bbh3&Prime; header_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb header_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_text_color=\u00a0\u00bb#9F0243&Prime; header_font_size=\u00a0\u00bb18px\u00a0\u00bb header_line_height=\u00a0\u00bb1.4em\u00a0\u00bb body_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb body_text_align=\u00a0\u00bbcenter\u00a0\u00bb body_text_color=\u00a0\u00bbrgba(0,39,37,0.6)\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bb#pilier_2&Prime; header_font_size_tablet=\u00a0\u00bb16px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb70px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{%22gcid-05ab768d-ec29-41b1-932d-bd92cafc8c72%22:%91%22icon_color%22%93}\u00a0\u00bb][\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px||20px||true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb animation_style=\u00a0\u00bbflip\u00a0\u00bb animation_direction=\u00a0\u00bbtop\u00a0\u00bb animation_duration=\u00a0\u00bb500ms\u00a0\u00bb animation_delay=\u00a0\u00bb200ms\u00a0\u00bb animation_intensity_flip=\u00a0\u00bb20%\u00a0\u00bb animation_delay_tablet=\u00a0\u00bb0ms\u00a0\u00bb animation_delay_phone=\u00a0\u00bb\u00a0\u00bb animation_delay_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset2&Prime; box_shadow_horizontal=\u00a0\u00bb10px\u00a0\u00bb box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb25px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(50,71,71,0.05)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bb3\u00e8me pilier\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x68;||divi||400&Prime; icon_color=\u00a0\u00bbgcid-05ab768d-ec29-41b1-932d-bd92cafc8c72&Prime; image_icon_width=\u00a0\u00bb70px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_level=\u00a0\u00bbh3&Prime; header_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb header_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_text_color=\u00a0\u00bb#9F0243&Prime; header_font_size=\u00a0\u00bb18px\u00a0\u00bb header_line_height=\u00a0\u00bb1.4em\u00a0\u00bb body_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb body_text_align=\u00a0\u00bbcenter\u00a0\u00bb body_text_color=\u00a0\u00bbrgba(0,39,37,0.6)\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bb#pilier_3&Prime; header_font_size_tablet=\u00a0\u00bb16px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb70px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{%22gcid-05ab768d-ec29-41b1-932d-bd92cafc8c72%22:%91%22icon_color%22%93}\u00a0\u00bb][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row module_id=\u00a0\u00bbpilier_1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px|auto|0px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text module_id=\u00a0\u00bbpilier_1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbPoppins||||||||\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb50px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>1er pilier, La pr\u00e9voyance \u00e9tatique : AVS et AI<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le 1er pilier correspond \u00e0 l\u2019AVS (assurance vieillesse et survivants). S\u2019y ajoutent l\u2019AI (assurance-invalidit\u00e9), les APG (allocation pour perte de gain en cas de service militaire) et l\u2019AC (assurance-ch\u00f4mage). Toutes les personnes domicili\u00e9es en Suisse sont obligatoirement assur\u00e9es \u00e0 l\u2019AVS\/AI.<\/p>\n<p>Le 1er pilier cr\u00e9e une solidarit\u00e9 entre les g\u00e9n\u00e9rations. Les rentes des retrait\u00e9s sont financ\u00e9es par les actifs. Il exerce aussi une solidarit\u00e9 entre riches et pauvres. Les personnes \u00e0 haut revenu paient davantage de cotisations que ne l\u2019exigerait le financement de leur rente et ceux qui gagnent moins d\u2019argent b\u00e9n\u00e9ficient de prestations que leurs seules cotisations ne pourraient pas financer.<\/p>\n<p>Par ailleurs, les personnes en charge d\u2019enfants ou de parents dans le besoin b\u00e9n\u00e9ficient d\u2019un syst\u00e8me de bonifications. Finalement, ce syst\u00e8me engendre une solidarit\u00e9 entre conjoints : leur revenu est partag\u00e9 afin que celui qui gagne le plus en fasse aussi profit\u00e9 l\u2019autre, dont la rente sera r\u00e9hauss\u00e9e.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row module_id=\u00a0\u00bbpilier_1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px|auto|0px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text module_id=\u00a0\u00bbpilier_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbPoppins||||||||\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb50px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>2\u00e8me pilier, La pr\u00e9voyance professionnelle : LPP et LAA<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le 2\u00e8me pilier se compose de la LPP (loi sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9, article 113 de la Constitution f\u00e9d\u00e9rale) et de la LAA (loi sur l\u2019assurance-accidents). Le cercle des personnes assur\u00e9es dans le 2\u00e8me pilier est plus restreint que celui des personnes assur\u00e9es dans le 1er pilier.<\/p>\n<p>Seuls les employ\u00e9s avec un revenu de plus de CHF 22&rsquo;050.- sont automatiquement assur\u00e9s au 2\u00e8me pilier. Tous les employ\u00e9s sont obligatoirement assur\u00e9s \u00e0 la LAA depuis 1984 et \u00e0 la LPP depuis 1985. Les personnes exer\u00e7ant une activit\u00e9 lucrative ind\u00e9pendante peuvent s\u2019assurer \u00e0 titre facultatif.<\/p>\n<p>Les prestations de votre Fondation de pr\u00e9voyance repr\u00e9sentent votre 2\u00e8me pilier. La FPPIC d\u00e9passe largement le cadre minimal obligatoire (LPP: Loi sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9), ses prestations se composant en grande partie, de la partie surobligatoire, c&rsquo;est \u00e0 dire principalement des salaires en dessous de CHF 22&rsquo;050.-. Les droits des assur\u00e9s sont d\u00e9finis avant tout dans le r\u00e8glement de pr\u00e9voyance.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row module_id=\u00a0\u00bbpilier_1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px|auto|0px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||50px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text module_id=\u00a0\u00bbpilier_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbPoppins||||||||\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb50px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>3\u00e8me pilier, La pr\u00e9voyance individuelle : pilier 3a et pilier 3b<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p>Les deux premiers piliers ne permettent que partiellement d\u2019atteindre l\u2019objectif constitutionnel du maintien du standard de vie. L\u2019Etat soutient donc la pr\u00e9voyance individuelle, ou 3\u00e8me pilier. Pr\u00e9vue dans la loi, la pr\u00e9voyance individuelle est en partie fiscalement privil\u00e9gi\u00e9e. Le l\u00e9gislateur \u00e9tablit une distinction entre le pilier 3a et 3b.<\/p>\n<h3>Le pilier 3a ou la pr\u00e9voyance li\u00e9e<\/h3>\n<p>Le pilier 3a, appel\u00e9 aussi \u00ab\u00a0pr\u00e9voyance individuelle li\u00e9e\u00a0\u00bb, est ouvert \u00e0 toutes les personnes qui exercent une activit\u00e9 lucrative. Il b\u00e9n\u00e9ficie de privil\u00e8ges fiscaux. C\u2019est la forme habituelle de pr\u00e9voyance des ind\u00e9pendants.<\/p>\n<p>En 2024, les versements au pilier 3a d\u00e9ductibles des imp\u00f4ts sont au maximum :<\/p>\n<ul>\n<li>pour une personne ayant une caisse de pensions : CHF 7&rsquo;056.-<\/li>\n<li>pour une personne n\u2019ayant pas de caisse de pensions : 20% du revenu annuel, et au maximum CHF 35&rsquo;280.-<\/li>\n<\/ul>\n<h3>Le pilier 3b ou la pr\u00e9voyance libre<\/h3>\n<p>La pr\u00e9voyance libre comprend toute forme de constitution de patrimoine r\u00e9alis\u00e9e \u00e0 des fins de pr\u00e9voyance, autres que celles effectu\u00e9es dans le cadre des piliers 1, 2 et 3a. Contrairement \u00e0 la pr\u00e9voyance li\u00e9e, elle ne b\u00e9n\u00e9ficie de certains avantages fiscaux que dans le cadre des assurances-vie.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; specialty=\u00a0\u00bbon\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb padding_top_2=\u00a0\u00bb250px\u00a0\u00bb padding_top_bottom_link_2=\u00a0\u00bbfalse\u00a0\u00bb padding_left_right_link_2=\u00a0\u00bbfalse\u00a0\u00bb padding_2_tablet=\u00a0\u00bb0px||||false|false\u00a0\u00bb padding_2_phone=\u00a0\u00bb\u00a0\u00bb padding_2_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbFooter\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(159,2,67,0.5) 0%|rgba(159,2,67,0.8) 100%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_start=\u00a0\u00bbrgba(159,2,67,0.5)\u00a0\u00bb background_color_gradient_end=\u00a0\u00bbrgba(159,2,67,0.8)\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/fppic.ch\/wp-content\/uploads\/2021\/12\/AdobeStock_104170773-1024&#215;576.jpeg\u00a0\u00bb custom_padding=\u00a0\u00bb3rem||3rem||true|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb3rem||3rem||true|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb2rem||2rem||true|false\u00a0\u00bb background_color_gradient_stops_tablet=\u00a0\u00bbrgba(159,2,67,0.5) 0%|rgba(159,2,67,0.8) 100%\u00a0\u00bb background_color_gradient_stops_phone=\u00a0\u00bbrgba(159,2,67,0.5) 0%|rgba(159,2,67,0.8) 100%\u00a0\u00bb global_module=\u00a0\u00bb142&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb2_3&Prime; specialty_columns=\u00a0\u00bb2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_row_inner _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb30px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb header_2_text_shadow_style=\u00a0\u00bbpreset3&Prime; locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Nous sommes l\u00e0 quand vous avez besoin de nous<\/h2>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=\u00a0\u00bb1_2,1_2&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb1&Prime; make_equal=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||true|false\u00a0\u00bb animation_style=\u00a0\u00bbflip\u00a0\u00bb animation_direction=\u00a0\u00bbtop\u00a0\u00bb animation_duration=\u00a0\u00bb500ms\u00a0\u00bb animation_intensity_flip=\u00a0\u00bb10%\u00a0\u00bb border_radii=\u00a0\u00bboff|40px|||\u00a0\u00bb border_radii_tablet=\u00a0\u00bb\u00a0\u00bb border_radii_phone=\u00a0\u00bboff|20px|||\u00a0\u00bb border_radii_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner type=\u00a0\u00bb1_2&Prime; saved_specialty_column_type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px|20px|20px|20px|true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_main_element=\u00a0\u00bbmargin-right: 2px!important;\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAdresse e-mail\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe076;||divi||400&Prime; icon_color=\u00a0\u00bb#9F0243&Prime; image_icon_width=\u00a0\u00bb50px\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#002725&Prime; header_font_size=\u00a0\u00bb16px\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb body_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#002725&Prime; body_font_size=\u00a0\u00bb20px\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_link_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb body_font_size_tablet=\u00a0\u00bb18px\u00a0\u00bb body_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb body_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb50px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><a href=\"mailto:prevoyance@cath-vd.ch\">prevoyance@cath-vd.ch<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=\u00a0\u00bb1_2&Prime; saved_specialty_column_type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px|20px|20px|20px|true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbT\u00e9l\u00e9phone\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe090;||divi||400&Prime; icon_color=\u00a0\u00bb#9F0243&Prime; image_icon_width=\u00a0\u00bb50px\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb body_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_font_size=\u00a0\u00bb20px\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_link_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb body_font_size_tablet=\u00a0\u00bb18px\u00a0\u00bb body_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb body_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb50px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><a href=\"Tel:+41216132303\">021 613 23 03<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=\u00a0\u00bb1_2,1_2&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb1&Prime; make_equal=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb2px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|true|false\u00a0\u00bb animation_style=\u00a0\u00bbflip\u00a0\u00bb animation_direction=\u00a0\u00bbtop\u00a0\u00bb animation_duration=\u00a0\u00bb500ms\u00a0\u00bb animation_intensity_flip=\u00a0\u00bb10%\u00a0\u00bb border_radii=\u00a0\u00bboff|||40px|\u00a0\u00bb border_radii_tablet=\u00a0\u00bb\u00a0\u00bb border_radii_phone=\u00a0\u00bboff|||20px|\u00a0\u00bb border_radii_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner type=\u00a0\u00bb1_2&Prime; saved_specialty_column_type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px|20px|20px|20px|true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_main_element=\u00a0\u00bbmargin-right: 2px!important;\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbHeures d&rsquo;ouverture\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe06b;||divi||400&Prime; icon_color=\u00a0\u00bb#9F0243&Prime; image_icon_width=\u00a0\u00bb50px\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb body_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_font_size=\u00a0\u00bb20px\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb body_font_size_tablet=\u00a0\u00bb18px\u00a0\u00bb body_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb body_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb50px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Lundi au jeudi<br \/>de 8h30 \u00e0 11h30<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=\u00a0\u00bb1_2&Prime; saved_specialty_column_type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_padding=\u00a0\u00bb40px|30px|40px|30px|true|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb20px|20px|20px|20px|true|true\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAdresse postale\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe080;||divi||400&Prime; icon_color=\u00a0\u00bb#9F0243&Prime; image_icon_width=\u00a0\u00bb50px\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb body_font=\u00a0\u00bbPoppins|600|||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_font_size=\u00a0\u00bb20px\u00a0\u00bb body_line_height=\u00a0\u00bb1.6em\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb body_font_size_tablet=\u00a0\u00bb18px\u00a0\u00bb body_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb body_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb icon_font_size=\u00a0\u00bb50px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Ch. des Mouettes 4<br \/>Case postale 600<br \/>1001 Lausanne<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbWork Sans||||||||\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb text_line_height=\u00a0\u00bb2.2em\u00a0\u00bb link_font=\u00a0\u00bb||||on||||\u00a0\u00bb link_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_3_font=\u00a0\u00bbPoppins|700|||||||\u00a0\u00bb header_3_font_size=\u00a0\u00bb18px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb14px\u00a0\u00bb text_font_size_phone=\u00a0\u00bb\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb text_line_height_tablet=\u00a0\u00bb2.6em\u00a0\u00bb text_line_height_phone=\u00a0\u00bb\u00a0\u00bb text_line_height_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_3_font_size_tablet=\u00a0\u00bb16px\u00a0\u00bb header_3_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb header_3_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Liens rapides<\/h3>\n<p><a href=\"https:\/\/ecvd.sharepoint.com\/:b:\/s\/fppic\/EQM7z7zbL6VOknnA8w0mOSoBgglvVYmXTUmIJjxLt8CvIA\" target=\"_blank\" rel=\"noopener\">R\u00e8glement de pr\u00e9voyance 2024<\/a><br \/><a href=\"https:\/\/fppic.ch\/fr\/avertissements\/\">Protection des donn\u00e9es et avertissement<\/a><br \/><a href=\"https:\/\/fppic.ch\/fr\/contact\/\">Contact<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les 3 piliers de l&rsquo;assurance sociale en suisseEn Suisse, le syst\u00e8me de pr\u00e9voyance repose sur trois piliers. Ce syst\u00e8me (article 111 de la Constitution f\u00e9d\u00e9rale) a pour but de maintenir le standard de vie ant\u00e9rieur de l\u2019assur\u00e9 au moment de la retraite, en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s, pour soi-m\u00eame ou les survivants. La FPPIC [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":378,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-343","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/pages\/343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/comments?post=343"}],"version-history":[{"count":15,"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/pages\/343\/revisions"}],"predecessor-version":[{"id":1321,"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/pages\/343\/revisions\/1321"}],"up":[{"embeddable":true,"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/pages\/378"}],"wp:attachment":[{"href":"https:\/\/fppic.ch\/fr\/wp-json\/wp\/v2\/media?parent=343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}