Maître Olivier CHARLES

Avocat au barreau de Saverne

Compétences : Droit du dommage corporel, Droit pénal général, Droit du travail et social, Droit du crédit et de la consommation, Droit routier et de la circulation routière, Droit des assurances, Droit des associations et des fondations, Droit de la sécurité sociale et de la protection sociale, Procédure civile

Barreau : Saverne

Adresse : 27 Grand'Rue 67700 SAVERNE

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Publié le 09/01/2020

QUELLES PERSPECTIVES POUR LA RETRAITE DE BASE DES AVOCATS ?

Evènement/Actualité institutionnelle

Par Me Olivier CHARLES

QUELLES PERSPECTIVES POUR LA RETRAITE DE BASE DES AVOCATS ?

Le régime de retraite de base des avocats géré par la CNBF garantit à carrière complète une retraite de base annuelle de 16.999 € soit 1416,58 €/mois quel que soit le sexe la carrière le niveau de revenu.

Le régime universel ne garantirait que 1000€/mois à carrière complète (Cf Rapport Delevoye page 53).

Dans le régime universel la valeur d'achat du point serait de 10 € et sa valeur des service de 0,55 € par point (Rapport Delevoye page 17).

Pour garantir la retraite de base des avocats soit arrondie à 17000 € par an en régime universel par points, il faudrait : 17.000 / 0,55(*) = 30.909 points. (*) 0,55€ valeur de service du points selon le rapport Delevoye.

Les personnes nées à partir du 1/1/1973 doivent cotiser 172 trimestres, soit 43 ans (Loi n° 2014-40 du 20 janvier 2014).

Pour accumuler 30.909 points sur une durée de carrière de 43 ans il faut acquérir 30909/43 = 719 points par an soit à une valeur d’achat du point de 10€ (Cf rapport Delevoye) une cotisation annuelle de 7.190€.

Actuellement la cotisation CNBF pour le régime de base est de

cotisation forfaitaire + 6 ans : 1555 €
3,10% cotisation proportionnelle
2,26% contribution équivalente aux droits de plaidoirie(*) (*) 13€ (valeur d’un DP) / 575 (valeur en revenu d’un droit) = 2,26%

Les cotisations actuelles pour le régime de base CNBF sur plusieurs tranches de revenus inférieure à un plafond annuel de sécurité sociale PASS sont les suiviantes :

soit comprises entre 2627 et 3699 € pour obtenir la retraite de base de 1416,58 €.

Il faut souligner que la cotisation proportionnelle de 3,10% et la contribution équivalente sont appicables aux revenus jusqu'à un plafond de revenus de 291.718 € pour toucher cette même retraite forfaitaire Dans le régime universel la cotisation est de 28,12% jusqu'à 40.524 €, 12,94% de 40.525 à 121.572 € et seulement 2,81% au delà, soit des plafonds de cotisations nettement plus bas.

Les hauts revenus garantissent la retraite de base de tous, ce qui ne sera plus le cas dans le régime universel.

Par contre pour obtenir les mêmes droits sur les revenus inférieurs à un PASS, la cotisation devrait être de 7.190 €, alors que les cotisations actuelles sont quasiment toutes inférieure à la moitié de ce montant.