{"id":60758,"date":"2024-11-22T17:01:32","date_gmt":"2024-11-22T16:01:32","guid":{"rendered":"https:\/\/www.fondapi.it\/prestation-de-retraite-sous-forme-de-rente\/"},"modified":"2025-11-11T08:58:22","modified_gmt":"2025-11-11T07:58:22","slug":"prestation-de-retraite-sous-forme-de-rente","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/prestation-de-retraite-sous-forme-de-rente\/","title":{"rendered":"Prestation de retraite sous forme de rente"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60758\" class=\"elementor elementor-60758 elementor-59840\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc035fc e-flex e-con-boxed e-con e-parent\" data-id=\"cc035fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a6d6903 e-flex e-con-boxed e-con e-child\" data-id=\"1a6d6903\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49813f0b elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"49813f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6db5b3 elementor-widget elementor-widget-html\" data-id=\"5a6db5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f399f24 e-flex e-con-boxed e-con e-child\" data-id=\"2f399f24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba9fd13 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"3ba9fd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">RACHAT FONDS DE PENSION<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d122d e-flex e-con-boxed e-con e-parent\" data-id=\"3d122d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66f21733 e-con-full e-flex e-con e-child\" data-id=\"66f21733\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43f95a50 elementor-widget elementor-widget-heading\" data-id=\"43f95a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que la prestation de retraite sous forme de rente ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f96af81 elementor-widget elementor-widget-text-editor\" data-id=\"3f96af81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La prestation de retraite sous forme de rente est une forme de pension compl\u00e9mentaire vers\u00e9e <strong>p\u00e9riodiquement pendant toute la dur\u00e9e de vie de l&rsquo;adh\u00e9rent<\/strong>, une fois le droit \u00e0 la pension d&rsquo;\u00c9tat acquis.<\/p><p>Le montant de la rente est calcul\u00e9 sur la base du capital accumul\u00e9 par l&rsquo;adh\u00e9rent et de son \u00e2ge au moment du d\u00e9part \u00e0 la retraite. Ce calcul s&rsquo;effectue en appliquant des coefficients de conversion qui tiennent compte de facteurs tels que l&rsquo;\u00e9volution d\u00e9mographique de la population italienne, et est diff\u00e9renci\u00e9 selon l&rsquo;\u00e2ge et le sexe de l&rsquo;adh\u00e9rent. <br><br>En r\u00e9sum\u00e9, un capital plus important ou un \u00e2ge plus avanc\u00e9 au moment de la retraite entra\u00eenent une rente plus \u00e9lev\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f6a107 e-con-full e-flex e-con e-child\" data-id=\"25f6a107\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55d17db3 elementor-widget elementor-widget-image\" data-id=\"55d17db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp\" class=\"attachment-full size-full wp-image-60759\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bdc2312 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"1bdc2312\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-345bed14 e-flex e-con-boxed e-con e-parent\" data-id=\"345bed14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2f84bb2b e-con-full e-flex e-con e-child\" data-id=\"2f84bb2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3395f945 elementor-widget elementor-widget-image\" data-id=\"3395f945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp\" class=\"attachment-full size-full wp-image-60632\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-189a7a2d e-con-full e-flex e-con e-child\" data-id=\"189a7a2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c52cca8 elementor-widget elementor-widget-heading\" data-id=\"c52cca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quand acquiert-on le droit \u00e0 la <span style=\"color: #3997B9\">prestation de retraite sous forme de rente<\/span> ? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710c7d5d elementor-widget elementor-widget-text-editor\" data-id=\"710c7d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comme d\u00e9j\u00e0 vu dans la page relative au <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/come-funziona\/adesione-lavoratori\/riscatto-fondo-pensione\/\">rachat du Fonds de pension<\/a><\/strong><\/span>, le droit \u00e0 la prestation de retraite compl\u00e9mentaire (pour simplifier pension compl\u00e9mentaire) s&rsquo;acquiert une fois remplies les conditions d&rsquo;acc\u00e8s \u00e0 la pension obligatoire, avec au moins cinq ans de participation au syst\u00e8me de pr\u00e9voyance compl\u00e9mentaire. <\/p><p>L&rsquo;adh\u00e9rent peut choisir de percevoir la prestation de retraite (pension compl\u00e9mentaire) :<\/p><ul><li><strong>enti\u00e8rement sous forme de rente<\/strong>, par le versement de la pension compl\u00e9mentaire en plusieurs \u00e9ch\u00e9ances ;<\/li><li><strong>partie en capital<\/strong> (jusqu&rsquo;\u00e0 un maximum de 50 % de la position acquise) et partie sous forme de rente<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7996bda e-con-full e-flex e-con e-child\" data-id=\"7996bda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f0d8 elementor-widget elementor-widget-text-editor\" data-id=\"4b6f0d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>ATTENTION !<\/strong><\/p><p>Dans le cas o\u00f9, en convertissant en rente au moins 70 % de la position individuelle acquise, le montant de la pension compl\u00e9mentaire est inf\u00e9rieur \u00e0 la moiti\u00e9 de l&rsquo;allocation sociale INPS (il est possible de v\u00e9rifier la valeur actualis\u00e9e sur le site <strong><a href=\"http:\/\/www.inps.it\"><span style=\"text-decoration: underline;\"><span style=\"color: #ffffff; text-decoration: underline;\">www.inps.it<\/span><\/span><\/a><\/strong><a href=\"http:\/\/www.inps.it\"><span style=\"color: #ffffff;\">)<\/span><\/a>, l&rsquo;inscrit peut choisir de recevoir l&rsquo;int\u00e9gralit\u00e9 de la prestation en capital.<\/p><p>Aux fins de la d\u00e9termination de l&rsquo;anciennet\u00e9 d&rsquo;inscription n\u00e9cessaire pour obtenir les prestations de retraite compl\u00e9mentaires, sont consid\u00e9r\u00e9es comme utiles toutes les p\u00e9riodes de participation aux formes de retraite compl\u00e9mentaires acquises par l&rsquo;adh\u00e9rent pour lesquelles celui-ci n&rsquo;a pas exerc\u00e9 le rachat total.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6622923b e-flex e-con-boxed e-con e-parent\" data-id=\"6622923b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7859f675 e-con-full e-flex e-con e-child\" data-id=\"7859f675\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19efde16 elementor-widget elementor-widget-heading\" data-id=\"19efde16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels types de <span style=\"color: #3997B9\">prestation de retraite sous forme de rente<\/span> offre Fondapi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e756838 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e756838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">La prestation de retraite sous forme de rente transforme le capital accumul\u00e9 en un revenu p\u00e9riodique, garantissant la s\u00e9curit\u00e9 financi\u00e8re pendant la retraite.<\/p><p style=\"text-align: center;\">Comme les besoins des adh\u00e9rents peuvent \u00eatre tr\u00e8s diff\u00e9rents, Fondapi permet de choisir entre diverses options, con\u00e7ues pour satisfaire vos priorit\u00e9s : revenu plus \u00e9lev\u00e9, protection pour vos proches ou soutien en cas de n\u00e9cessit\u00e9 comme la perte d&rsquo;autonomie.<\/p><p style=\"text-align: center;\">Choisissez la solution la plus adapt\u00e9e \u00e0 vos besoins !<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48af16a5 e-con-full e-flex e-con e-child\" data-id=\"48af16a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-65181a6e e-con-full e-flex e-con e-child\" data-id=\"65181a6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5e58911 e-flex e-con-boxed e-con e-child\" data-id=\"5e58911\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ddfc215 elementor-widget elementor-widget-heading\" data-id=\"3ddfc215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente annuelle viag\u00e8re imm\u00e9diate<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35c5195b elementor-widget elementor-widget-text-editor\" data-id=\"35c5195b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re imm\u00e9diate revalorisable \u00e0 prime unique garantit \u00e0 l&rsquo;adh\u00e9rent un <b>paiement p\u00e9riodique \u00e0 vie, s&rsquo;\u00e9teignant au moment de son d\u00e9c\u00e8s.<\/b> <\/p><p>Elle est id\u00e9ale pour qui veut obtenir <b>le montant le plus \u00e9lev\u00e9 possible<\/b> de la somme accumul\u00e9e, <b>sans<\/b> pr\u00e9voir de <b>protections<\/b> pour les survivants ou de couvertures suppl\u00e9mentaires pour soi-m\u00eame.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7ee1ed e-con-full e-flex e-con e-child\" data-id=\"5b7ee1ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5ee3e668 e-flex e-con-boxed e-con e-child\" data-id=\"5ee3e668\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d22653 elementor-widget elementor-widget-heading\" data-id=\"12d22653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente annuelle viag\u00e8re imm\u00e9diate certaine pour 5 ou 10 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6f21bb elementor-widget elementor-widget-text-editor\" data-id=\"2e6f21bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re imm\u00e9diate certaine pour 5 ou 10 ans <b>garantit<\/b> un paiement p\u00e9riodique \u00e0 l&rsquo;adh\u00e9rent ou \u00e0 ses b\u00e9n\u00e9ficiaires <b>pendant les 5 ou 10 premi\u00e8res ann\u00e9es.<\/b> <\/p><p>Si l&rsquo;adh\u00e9rent est encore en vie au terme de cette p\u00e9riode, la rente continue pendant toute sa vie ; dans le cas contraire, elle s&rsquo;\u00e9teint. Elle est id\u00e9ale pour qui veut <b>prot\u00e9ger<\/b> ses survivants pour une <b>p\u00e9riode limit\u00e9e<\/b>. Le b\u00e9n\u00e9ficiaire peut \u00eatre modifi\u00e9 m\u00eame apr\u00e8s le d\u00e9but des paiements.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d4c47f e-con-full e-flex e-con e-child\" data-id=\"7d4c47f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6999019 e-con-full e-flex e-con e-child\" data-id=\"6999019\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8907353 e-flex e-con-boxed e-con e-child\" data-id=\"8907353\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-417a474 elementor-widget elementor-widget-heading\" data-id=\"417a474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente annuelle viag\u00e8re imm\u00e9diate\nr\u00e9versible<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16b731b elementor-widget elementor-widget-text-editor\" data-id=\"16b731b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re imm\u00e9diate r\u00e9versible garantit un <b>paiement<\/b> p\u00e9riodique \u00e0 l&rsquo;adh\u00e9rent <b>\u00e0 vie<\/b>. \u00c0 sa mort, la rente passe au <b>b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9<\/b> (r\u00e9versionnaire), enti\u00e8rement ou en partie, et s&rsquo;\u00e9teint avec le d\u00e9c\u00e8s de ce dernier. <b>Elle est id\u00e9ale pour qui veut assurer une source de revenus \u00e0 un survivant.<\/b> Une fois les paiements commenc\u00e9s, <b>le b\u00e9n\u00e9ficiaire NE peut PAS \u00eatre modifi\u00e9<\/b>. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5824981 e-con-full e-flex e-con e-child\" data-id=\"5824981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7449007 e-flex e-con-boxed e-con e-child\" data-id=\"7449007\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c9f5a elementor-widget elementor-widget-heading\" data-id=\"f8c9f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente annuelle viag\u00e8re imm\u00e9diate avec contre-assurance d\u00e9croissante<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f410d elementor-widget elementor-widget-text-editor\" data-id=\"e5f410d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re imm\u00e9diate contre-assur\u00e9e garantit un paiement p\u00e9riodique \u00e0 l&rsquo;adh\u00e9rent \u00e0 vie. \u00c0 sa mort, les b\u00e9n\u00e9ficiaires re\u00e7oivent un capital, si la somme vers\u00e9e initialement est sup\u00e9rieure au total d\u00e9j\u00e0 vers\u00e9 sous forme de rente. <\/p><p><strong>Elle est id\u00e9ale pour qui veut se garantir que les survivants puissent recevoir la partie r\u00e9siduelle de ce qui n&rsquo;a pas \u00e9t\u00e9 re\u00e7u sous forme de rente.<\/strong><\/p><p>Le b\u00e9n\u00e9ficiaire peut \u00eatre modifi\u00e9 m\u00eame apr\u00e8s le d\u00e9but des paiements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b62d981 e-con-full e-flex e-con e-child\" data-id=\"b62d981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e25d756 e-con-full e-flex e-con e-child\" data-id=\"e25d756\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4128722 e-flex e-con-boxed e-con e-child\" data-id=\"4128722\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa466ab elementor-widget elementor-widget-heading\" data-id=\"fa466ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente LTC<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323e051 elementor-widget elementor-widget-text-editor\" data-id=\"323e051\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re imm\u00e9diate avec majoration en cas de perte d&rsquo;autonomie garantit un paiement p\u00e9riodique \u00e0 l&rsquo;adh\u00e9rent \u00e0 vie. <\/p><p>Si pendant le versement l&rsquo;<b>adh\u00e9rent perd son autonomie<\/b>, le <b>montant<\/b> de la rente <b>double<\/b>. La rente se termine avec le d\u00e9c\u00e8s et n&rsquo;est disponible que pour les <b>adh\u00e9rents jusqu&rsquo;\u00e0 70 ans<\/b>, sous r\u00e9serve d&rsquo;acceptation du risque par l&rsquo;assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d0d37 e-con-full e-flex e-con e-child\" data-id=\"70d0d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-971877a e-flex e-con-boxed e-con e-child\" data-id=\"971877a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9458ea6 elementor-widget elementor-widget-heading\" data-id=\"9458ea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Simulateur de rentes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad229f3 elementor-widget elementor-widget-text-editor\" data-id=\"ad229f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous \u00e9valuez quelle rente choisir pour votre avenir ? <\/p><p>Utilisez notre <strong>simulateur de rente<\/strong> : un outil simple et intuitif qui vous aide \u00e0 comparer les diff\u00e9rentes options disponibles et \u00e0 trouver celle la plus adapt\u00e9e \u00e0 vos besoins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9907ba5 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"9907ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prestazioni.mefop.it\/assofondi2019\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">simulez votre rente<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-242adbcb e-flex e-con-boxed e-con e-parent\" data-id=\"242adbcb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6247817b e-con-full e-flex e-con e-child\" data-id=\"6247817b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30beefef elementor-widget elementor-widget-heading\" data-id=\"30beefef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Documentation informative suppl\u00e9mentaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72175bc7 elementor-widget elementor-widget-text-editor\" data-id=\"72175bc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">La documentation contractuelle des rentes, disponible dans la section <em><strong>\u00ab Autres documents et moteurs de calcul \u00bb<\/strong><\/em> de la page du site <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti-ufficiali\/#altri-documenti-motori\"><strong>\u00ab DOCUMENTS OFFICIELS \u00bb<\/strong><\/a><\/span> et \u00e0 laquelle nous renvoyons pour tout d\u00e9tail suppl\u00e9mentaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b13eb3e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"3b13eb3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bf780b3 e-flex e-con-boxed e-con e-parent\" data-id=\"4bf780b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-157989ed elementor-widget elementor-widget-heading\" data-id=\"157989ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La retraite approche ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531c5955 elementor-widget elementor-widget-text-editor\" data-id=\"531c5955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S&rsquo;il vous reste <strong>moins de 6 mois avant la retraite<\/strong> et que vous souhaitez \u00eatre contact\u00e9 par Fondapi pour un <strong>conseil personnalis\u00e9<\/strong>, r\u00e9servez-le avec le bouton ci-dessous.<\/p><p>Ou \u00e9crivez un e-mail \u00e0 <span style=\"text-decoration: underline; color: #ffffff;\"><strong><a style=\"color: #ffffff; text-decoration: underline;\" href=\"mailto:pensione@fondapi.it\">pensione@fondapi.it<\/a><\/strong><\/span> en indiquant votre nom et votre question : nous vous recontacterons au plus vite !<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53739e22 e-flex e-con-boxed e-con e-child\" data-id=\"53739e22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53074f4f elementor-widget elementor-widget-button\" data-id=\"53074f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/outlook.office365.com\/owa\/calendar\/Prenotazioni@fondapi.eu\/bookings\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Conseil retraite<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home RACHAT FONDS DE PENSION Qu&rsquo;est-ce que la prestation de retraite sous forme de rente ? La prestation de retraite sous forme de rente est une forme de pension compl\u00e9mentaire vers\u00e9e p\u00e9riodiquement pendant toute la dur\u00e9e de vie de l&rsquo;adh\u00e9rent, une fois le droit \u00e0 la pension d&rsquo;\u00c9tat acquis. Le montant de la rente est [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":60865,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60758","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prestation de retraite sous forme de rente - Fondapi<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez la prestation de retraite sous forme de rente pour transformer votre capital en pension compl\u00e9mentaire.\" \/>\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.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/prestation-de-retraite-sous-forme-de-rente\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prestation de retraite sous forme de rente - 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