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class="anchors-list"> <li class="anchors-item"> <a data-scroll href="#anchor-regimes-retraite" class="anchor font-text-body-regular active" aria-current="true" >Régimes de retraite</a> </li> <li class="anchors-item"> <a data-scroll href="#anchor-decote-surcote-proratisation" class="anchor font-text-body-regular " aria-current="false" >Décote, surcote et proratisation</a> </li> <li class="anchors-item"> <a data-scroll href="#anchor-retraite-additionnelle" class="anchor font-text-body-regular " aria-current="false" >Retraite additionnelle</a> </li> <li class="anchors-item"> <a data-scroll href="#anchor-questions-frequentes" class="anchor font-text-body-regular " aria-current="false" >Questions fréquentes</a> </li> </ul> <span class="button button-1 button-inline lnk" data-click-tracking="navigation" rel="aHR0cHM6Ly93d3cuYmFucXVlcG9wdWxhaXJlLmZyL3ZvdHJlLWJhbnF1ZS9jaG9pc2lyLXVuZS1yZWdpb24vP3NvdXJjZV9pZD0xMzQyNTkmd29yZGluZz1yZWdpb24=" role="link" tabindex="0"> <span class="button-inner "> <span class="text ">Simuler sa retraite</span> </span> </span> <div class="anchor-decoration"></div> </div> </div> </div> <section class="wp-block-bpce-block-rte full-width is-variant1"><div class="inner"><div class="wysiwyg"> <p>Si les diverses réformes des retraites engagées ces dernières décennies tendent à rapprocher le régime des retraites des fonctionnaires de celui des salariés du secteur privé, d’importantes différences subsistent encore aujourd’hui. Retour sur les <strong>règles à appliquer pour calculer correctement le montant de votre pension</strong>.</p> </div></div></section> <section class="wp-block-bpce-block-rte full-width"><div class="inner"><div class="wysiwyg"></div></div></section> <a id="anchor-regimes-retraite"></a> <section class="no-vertical-padding full-width half-content-half-image-v2"> <div class="inner expand-half"> <div class="wp-block-half-content-image block-half-content-image image-left"> <div class="columns is-desktop"> <div class="column column-image is-6-desktop">  <div class="wp-block-image"> <figure> <picture> <source media="(max-width: 959px)" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162820/bp-part-retraite-fonctionnaires-720x720px-1.png?func=crop&w=720&h=720&gravity=auto&optipress=2"> <img decoding="async" src="https://www.banquepopulaire.fr/app/plugins/bpce-advanced-responsive-images/assets/transparent-pixel.png" data-src="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162820/bp-part-retraite-fonctionnaires-720x720px-1.png?func=crop&w=720&h=720&gravity=auto&optipress=2" class="lazyload js-orientation" alt="" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162820/bp-part-retraite-fonctionnaires-720x720px-1.png?func=crop&w=720&h=720&gravity=auto&optipress=2 2000w" /> </picture> </figure> </div> </div> <div class="column is-6-desktop column-content column-content-right"> <div class="wysiwyg"> <h2 class="wp-block-heading" id="h-comprendre-les-differents-regimes-de-retraite-des-agents-publics"><strong>Comprendre les différents régimes de retraite des agents publics</strong></h2> <p>Si on les regroupe tous sous le terme de « fonctionnaires », les agents publics dépendent de régimes de retraite différents <strong>selon leur employeur</strong> (l’État, une collectivité territoriale ou une entité hospitalière) <strong>et leur statut</strong> (ils peuvent être titulaires, contractuels de droit public, contractuels de droit privé ou ouvriers d’État).</p> <p><strong>Cette distinction</strong> va définir leur régime de retraite de base applicable mais également le régime complémentaire et le régime additionnel dont ils relèvent.</p> <p>Pour une vision simplifiée, les fonctionnaires titulaires dépendent :</p> <ul class="wp-block-list"> <li>du <strong>régime de retraite de la fonction publique d’État</strong>, quand ils sont employés par l’État (qu’ils soient civils ou militaires) ;</li> <li>du <strong>régime de retraite des fonctionnaires hospitaliers et territoriaux</strong> quand ils sont employés par des collectivités locales ou des entités hospitalières.</li> </ul> <p>Pour leur régime additionnel, tous dépendent, depuis 2023, du <strong>régime additionnel de la fonction publique</strong> (RAFP).</p> <p>De leur côté, les ouvriers d’État relèvent du <strong>régime de retraite des ouvriers d’État</strong> et les agents non titulaires sont affiliés <strong>au régime général</strong> (régime de base) et à l’<strong>Ircantec</strong> (régime complémentaire). Ils ne disposent pas de régime additionnel.</p> </div> </div> </div> </div> </div> </section> <section class="no-vertical-padding full-width half-content-half-image-v2"> <div class="inner expand-half"> <div class="wp-block-half-content-image block-half-content-image image-right"> <div class="columns is-desktop"> <div class="column column-image is-6-desktop">  <div class="wp-block-image"> <figure> <picture> <source media="(max-width: 959px)" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162824/bp-part-retraite-fonctionnaires-720x720px-2.png?func=crop&w=720&h=720&gravity=auto&optipress=2"> <img decoding="async" src="https://www.banquepopulaire.fr/app/plugins/bpce-advanced-responsive-images/assets/transparent-pixel.png" data-src="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162824/bp-part-retraite-fonctionnaires-720x720px-2.png?func=crop&w=720&h=720&gravity=auto&optipress=2" class="lazyload js-orientation" alt="" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162824/bp-part-retraite-fonctionnaires-720x720px-2.png?func=crop&w=720&h=720&gravity=auto&optipress=2 2000w" /> </picture> </figure> </div> </div> <div class="column is-6-desktop column-content column-content-left"> <div class="wysiwyg"> <h2 class="wp-block-heading" id="h-regime-de-retraite-des-fonctionnaires-caracteristiques-et-calculs">Régime de retraite des fonctionnaires : caractéristiques et calculs</h2> <p>Quand on parle du<strong> régime de retraite des fonctionnaires</strong>, on fait donc principalement référence aux agents publics titulaires, qu’ils soient employés par l’État, une collectivité territoriale ou une entité hospitalière. <strong>La principale particularité de ce régime</strong>, vis-à-vis du secteur privé, <strong>réside dans le mode de calcul </strong>du montant de la retraite.</p> <p>Dans le secteur privé, pour définir le montant de la pension de retraite de base, on applique un taux de 50 % à la moyenne des salaires des 25 meilleures années de la carrière (<strong>salaire de référence</strong>).</p> <p>Les fonctionnaires bénéficient d’un mode de calcul avantageux pour leur retraite de base : on applique un taux de 75 % à leur salaire de référence qui correspond, pour eux, au <strong>salaire des six derniers mois de carrière</strong>.</p> <p>Ainsi, le montant de la retraite de base d’un fonctionnaire qui percevait 3 000 euros de salaire lors des six derniers mois de sa carrière s’élève de 75 % de 3 000 euros, soit 2 250 euros.</p> <p>Ce montant sera perçu chaque mois pendant la retraite, à condition d’avoir effectué <strong>le nombre de trimestres nécessaires</strong> et d’avoir atteint <strong>l’âge légal de départ en retraite</strong>.<br></p> </div> </div> </div> </div> </div> </section> <section class="wp-block-bpce-block-rte full-width"><div class="inner"><div class="wysiwyg"> <h2 class="wp-block-heading" id="h-l-age-legal-de-depart-a-la-retraite-des-fonctionnaires-regles-et-specificites"><strong>L’âge légal de départ à la retraite des fonctionnaires : règles et spécificités</strong></h2> <p>L’âge légal de départ à la retraite est celui auquel on peut mettre fin à sa carrière et percevoir immédiatement sa pension de retraite.</p> <p><strong>Pour les fonctionnaires, cet âge varie en fonction de deux facteurs conjugués :</strong></p> <ul class="wp-block-list"> <li>la catégorie du fonctionnaire (active ou sédentaire) ;</li> <li>son année de naissance.</li> </ul> <p><strong>Les fonctionnaires de catégorie active</strong> sont ceux <strong>dont le poste présente un risque particulier ou génère des fatigues exceptionnelles</strong> : il peut par exemple s’agir d’agents de police municipale, de sapeurs-pompiers professionnels, d’infirmiers spécialisés, d’agents des services hospitaliers ou encore d’assistants sociaux en contact permanent avec les patients.</p> <p><strong>Les fonctionnaires de catégorie sédentaire</strong> sont ceux dont l’emploi <strong>ne présente pas le critère de pénibilité</strong> retenu pour être classé dans la catégorie active.</p> <p>La dernière réforme des retraites a prévu un rehaussement de l’âge légal de départ en retraite de deux ans (de 62 à 64 ans) pour les pensions prenant effet à partir du 1<sup>er</sup> septembre 2023. Ce rehaussement s’effectue progressivement : l’âge légal augmentera d’un trimestre par année de naissance pour les agents nés à partir du 1<sup>er</sup> septembre 1961.</p> <p><strong>Âge légal de départ à la retraite pour les fonctionnaires de catégorie sédentaire :</strong></p> <ul class="wp-block-list"> <li>de 62 ans et 6 mois (nés en 1962) ;</li> <li>à 64 ans (nés à partir de 1968).</li> </ul> <p>(Les fonctionnaires « sédentaires » nés avant 1962 ont, aujourd’hui déjà, atteint l’âge légal de départ à la retraite)</p> <p><strong>Âge légal de départ à la retraite pour les fonctionnaires de catégorie active :</strong></p> <ul class="wp-block-list"> <li>de 57 ans et 6 mois (nés en 1967) ;</li> <li>à 59 ans (nés à partir de 1973).</li> </ul> <p>(Les fonctionnaires « actifs » nés avant 1967 ont, aujourd’hui déjà, atteint l’âge légal de départ à la retraite).</p> <p><strong>Du fait de la particulière pénibilité de leur emploi</strong> (identificateurs de l’institut médico-légal de la préfecture de Police de Paris, agents des réseaux souterrains des égouts ou personnels de surveillance pénitentiaire), une catégorie spécifique a été créée pour certains agents : <strong>les emplois super-actifs</strong>, qui <strong>bénéficient d’un âge de départ à la retraite encore avancé :</strong></p> <ul class="wp-block-list"> <li>de 52 ans (nés jusqu’au 31 août 1971) ;</li> <li>à 54 ans (nés à partir de 1978).</li> </ul> <p>Attention, <strong>atteindre l’âge légal de départ à la retraite ne signifie pas bénéficier d’une retraite à taux plein</strong> : il faut pour cela avoir cumulé un nombre suffisant de trimestres travaillés.</p> </div></div></section> <section class="no-vertical-padding full-width half-content-half-image-v2"> <div class="inner expand-half"> <div class="wp-block-half-content-image block-half-content-image image-left"> <div class="columns is-desktop"> <div class="column column-image is-6-desktop">  <div class="wp-block-image"> <figure> <picture> <source media="(max-width: 959px)" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162828/bp-part-retraite-fonctionnaires-720x720px-3.png?func=crop&w=720&h=720&gravity=auto&optipress=2"> <img decoding="async" src="https://www.banquepopulaire.fr/app/plugins/bpce-advanced-responsive-images/assets/transparent-pixel.png" data-src="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162828/bp-part-retraite-fonctionnaires-720x720px-3.png?func=crop&w=720&h=720&gravity=auto&optipress=2" class="lazyload js-orientation" alt="" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162828/bp-part-retraite-fonctionnaires-720x720px-3.png?func=crop&w=720&h=720&gravity=auto&optipress=2 2000w" /> </picture> </figure> </div> </div> <div class="column is-6-desktop column-content column-content-right"> <div class="wysiwyg"> <h2 class="wp-block-heading" id="h-combien-de-trimestres-pour-une-retraite-a-taux-plein-nbsp">Combien de trimestres pour une retraite à taux plein ?</h2> <p>Pour percevoir <strong>une retraite à taux plein</strong>, en plus d’avoir atteint l’âge légal de départ, il faut justifier d’une <strong>carrière complète</strong>, c’est-à-dire avoir travaillé <strong>un nombre de trimestres exigé</strong>. Du fait de l’évolution démographique et des réformes des retraites, ce nombre de trimestres varie :</p> <ul class="wp-block-list"> <li>de 166 trimestres (41 ans et 9 mois) pour les personnes nées jusqu’en 1957 ;</li> <li>à 172 trimestres (43 ans) pour les personnes nées à partir de 1965.</li> </ul> <p>À savoir :</p> <ul class="wp-block-list"> <li>le nombre de trimestres nécessaires <strong>augmente progressivement</strong> pour les personnes nées entre 1957 et 1965 ;</li> <li>les fonctionnaires répondent aux <strong>mêmes obligations</strong> de nombre de trimestres que les salariés du secteur privé.</li> </ul> </div> </div> </div> </div> </div> </section> <a id="anchor-decote-surcote-proratisation"></a> <section class="full-width no-vertical-padding tabs" id="tabs-block_0adea8871d5100969e9a8c5f0d93714a"> <div class="inner expand-half"> <div class="tabslist tabs new-tabs"> <div class="columns is-desktop"> <div class="column is-6-desktop tabs-left column-left"> <div class="title-block font-title-section" role="heading" aria-level="2">Mécanismes de la retraite des fonctionnaires : décote, surcote et proratisation</div> <div class="tabs-list is-hidden-desktop"> <button class="button tab-button tab-item" id="m-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" aria-expanded="true" aria-controls="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" data-control="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_ajouter_au_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M34.3849 29.6049C34.6689 29.3209 35.1133 29.2951 35.4265 29.5275L35.5162 29.6049L44.5868 38.6755C45.1331 39.2218 45.44 39.9627 45.44 40.7353C45.44 41.4377 45.1864 42.1139 44.7298 42.6414L44.5868 42.7951L35.5162 51.8657C35.2038 52.1781 34.6973 52.1781 34.3849 51.8657C34.1008 51.5817 34.075 51.1372 34.3074 50.8241L34.3849 50.7343L43.4555 41.6637C43.4959 41.6233 43.5334 41.5805 43.5678 41.5357L8.8376 41.5353C8.39577 41.5353 8.0376 41.1771 8.0376 40.7353C8.0376 40.3275 8.34279 39.9909 8.73725 39.9415L8.8376 39.9353L43.5679 39.935L43.5139 39.8693L43.4554 39.8069L34.3849 30.7363C34.0724 30.4239 34.0724 29.9173 34.3849 29.6049Z" fill="#369ad4"/><path d="M45.2041 27.3652L40.9455 21.7232C40.2361 20.7822 38.9444 20.1416 37.7612 20.1416H27.3141C26.3837 20.1386 25.4869 20.5063 24.8262 21.164C24.1646 21.821 23.7913 22.7148 23.7882 23.6484V29.1063C23.7882 29.5482 24.1464 29.9063 24.5882 29.9063C25.03 29.9063 25.3882 29.5482 25.3882 29.1063V23.651C25.3899 23.1443 25.5934 22.6571 25.9543 22.2987C26.3143 21.9403 26.8029 21.74 27.3115 21.7416L37.7612 21.7416C38.4434 21.7416 39.2615 22.1473 39.6683 22.6868L44.0297 28.4648C44.216 28.7218 44.7046 28.9652 45.0329 28.9652H68.2C69.2612 28.9618 70.1225 29.817 70.1259 30.8747V57.0557C70.1225 58.1112 69.2618 58.9668 68.2024 58.9652H27.3129C26.2523 58.9668 25.3915 58.1112 25.3882 57.0532L25.3882 54.0381C25.3882 53.5963 25.03 53.2381 24.5882 53.2381C24.1464 53.2381 23.7882 53.5963 23.7882 54.0381V57.0557C23.7943 58.9993 25.3726 60.5682 27.3142 60.5652H68.2012C70.1415 60.5682 71.7198 58.9993 71.7259 57.0583V30.8722C71.7198 28.9281 70.1395 27.3591 68.1975 27.3652L45.2041 27.3652ZM70.9236 20.1231L70.9281 21.723L51.3797 21.7784L51.3751 20.1784L70.9236 20.1231ZM70.9281 21.723L51.3797 21.7784C50.313 21.7815 50.3085 20.1815 51.3751 20.1784L70.9236 20.1231C71.9902 20.12 71.9948 21.72 70.9281 21.723Z" fill="#051b71"/></svg></span> <h3 class="text"> Décote de la pension de retraite </h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </span> </button> <div class="tab-panel" aria-hidden="false" aria-labelledby="m-trigger-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" id="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">Comme un salarié du secteur privé, un agent de la fonction publique doit, pour prétendre à une retraite complète, <strong>justifier d’un certain nombre de trimestres travaillés</strong> dans sa carrière.<br /> Dans le cas contraire, une décote de 1,25 % s’applique au montant de sa pension pour chaque trimestre manquant.<br /> <br /> Par exemple, une personne née en 1960 doit <strong>cumuler 167</strong> trimestres pour prétendre à une retraite à taux plein. Avec un salaire de référence de 3 000 euros, le montant de cette retraite à taux plein s’élèverait à 2 250 euros.<br /> <br /> Si cette personne ne compte que 150 trimestres travaillés en carrière, il lui en manque donc 17, qui vont faire l’objet de la décote de 1,25 % : <br /> 2 250 x 17 x 1,25 % = 478,12 euros de décote.<br /> Le montant de la retraite sera donc de : 2 250 – 478,12 = 1 771,88 euros par mois.<br /> </p> </div> </div> </div> <button class="button tab-button tab-item" id="m-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" aria-expanded="false" aria-controls="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" data-control="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_femer_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M34.1495 27.2077L29.9781 21.6804C29.2786 20.754 28.0071 20.1231 26.8427 20.1231H16.5965C15.6796 20.1201 14.7971 20.483 14.1456 21.1315C13.4938 21.7788 13.1261 22.6582 13.123 23.5778V56.3427C13.1291 58.2591 14.6833 59.8045 16.5972 59.8H40.3346C40.7764 59.8 41.1346 59.4419 41.1346 59C41.1346 58.5582 40.7764 58.2 40.3346 58.2H16.5954C15.5626 58.2024 14.7263 57.3708 14.723 56.3402L14.723 23.5804C14.7247 23.0879 14.9224 22.615 15.2737 22.2661C15.6248 21.9166 16.0994 21.7215 16.5939 21.7231L26.8427 21.7231C27.5062 21.7231 28.3046 22.1193 28.7012 22.6444L32.9783 28.3119C33.1684 28.5688 33.6499 28.8077 33.9746 28.8077H56.6961C57.7281 28.8045 58.5664 29.6372 58.5696 30.6664L58.5696 40.2489C58.5696 40.6907 58.9278 41.0489 59.3696 41.0489C59.8114 41.0489 60.1696 40.6907 60.1696 40.2489V30.6639C60.1636 28.7484 58.6067 27.2017 56.6936 27.2077L34.1495 27.2077ZM58.8536 20.1231L58.8582 21.7231L39.3097 21.7785L39.3052 20.1785L58.8536 20.1231ZM58.8582 21.7231L39.3097 21.7785C38.243 21.7815 38.2385 20.1815 39.3052 20.1785L58.8536 20.1231C59.9203 20.1201 59.9248 21.7201 58.8582 21.7231Z" fill="#051b71"/><path d="M54.4997 43.2001C60.7405 43.2001 65.7997 48.2593 65.7997 54.5001C65.7997 60.7409 60.7405 65.8001 54.4997 65.8001C48.2589 65.8001 43.1997 60.7409 43.1997 54.5001C43.1997 48.2593 48.2589 43.2001 54.4997 43.2001ZM54.4997 44.8001C49.1425 44.8001 44.7997 49.1429 44.7997 54.5001C44.7997 59.8572 49.1425 64.2001 54.4997 64.2001C59.8569 64.2001 64.1997 59.8572 64.1997 54.5001C64.1997 49.1429 59.8569 44.8001 54.4997 44.8001Z" fill="#369ad4"/><path d="M50.2727 60.1725L60.1722 50.273C60.4847 49.9606 60.4847 49.454 60.1722 49.1416C59.8598 48.8292 59.3533 48.8292 59.0409 49.1416L49.1414 59.0411C48.8289 59.3535 48.8289 59.8601 49.1414 60.1725C49.4538 60.4849 49.9603 60.4849 50.2727 60.1725Z" fill="#369ad4"/><path d="M49.1414 50.273L59.0409 60.1725C59.3533 60.4849 59.8598 60.4849 60.1722 60.1725C60.4847 59.86 60.4847 59.3535 60.1722 59.0411L50.2727 49.1416C49.9603 48.8292 49.4538 48.8292 49.1414 49.1416C48.8289 49.454 48.8289 49.9605 49.1414 50.273Z" fill="#369ad4"/></svg></span> <h3 class="text"> Fin de la décote due à l’âge </h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </span> </button> <div class="tab-panel" aria-hidden="true" aria-labelledby="m-trigger-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" id="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">La décote de la pension de retraite, due à un nombre insuffisant de trimestres travaillés pour prétendre à une retraite à taux plein, ne s’applique que jusqu’à un certain âge. En effet, quel que soit le nombre de trimestres cumulés, <strong>la retraite est calculée à taux plein (sans décote) dès lors que la personne concernée atteint 67 ans.</strong><br /> <br /> Pour les fonctionnaires, cet âge varie, comme l’âge légal de départ en retraite, en fonction de deux facteurs conjugués : la catégorie du fonctionnaire (active ou sédentaire) et son année de naissance.<br /> <br /> Du fait de la spécificité de leur emploi, <strong>les fonctionnaires de catégorie active</strong> bénéficient d’un âge de fin de décote plus avantageux : selon leur année de naissance, ils vont pouvoir partir en retraite avant 67 ans sans subir de décote.<br /> <br /> Par exemple :<br /> – pour un fonctionnaire né en 1963 : fin de décote à 62 ans et 9 mois ; <br /> – pour un fonctionnaire né à partir de 1968 : fin de décote à 64 ans.<br /> (Les fonctionnaires nés avant 1963 ont, aujourd’hui, déjà atteint l’âge de fin de décote).<br /> </p> </div> </div> </div> <button class="button tab-button tab-item" id="m-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" aria-expanded="false" aria-controls="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" data-control="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_suivre_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M50.154 23.8376L50.1586 25.4376L34.27 25.483L34.2654 23.883L50.154 23.8376ZM50.1586 25.4376L34.27 25.483C33.2033 25.486 33.1987 23.886 34.2654 23.883L50.154 23.8376C51.2207 23.8345 51.2252 25.4345 50.1586 25.4376ZM30.1516 29.5958L48.3984 29.5958C50.0362 29.5904 51.3688 30.9138 51.3732 32.5536V53.4278C51.3688 55.0647 50.0381 56.388 48.4019 56.3858H15.8111C14.1735 56.388 12.8434 55.0653 12.8379 53.4257V26.7956C12.8423 25.1574 14.1745 23.8332 15.8108 23.8375H24.1381C25.132 23.8375 26.2094 24.3722 26.8061 25.1631L30.1516 29.5958ZM24.1381 25.4375H15.8087C15.0537 25.4355 14.4399 26.0456 14.4379 26.7977V53.423C14.4404 54.1772 15.0534 54.7868 15.81 54.7858H48.4029C49.1579 54.7868 49.7712 54.177 49.7732 53.4257V32.5557C49.7712 31.8025 49.1578 31.1933 48.4011 31.1958H29.9346C29.6218 31.1958 29.1855 30.9787 29.0051 30.7327L25.5289 26.1269C25.235 25.7373 24.6309 25.4375 24.1381 25.4375Z" fill="#051b71"/><path d="M58.9195 33.9105L58.9969 33.8208C59.2809 33.5367 59.7254 33.5109 60.0386 33.7433L60.1283 33.8207L67.3588 41.0504L67.4807 41.1811C68.2874 42.1104 68.2886 43.4967 67.4853 44.4282L67.3587 44.5644L60.1274 51.7934C59.815 52.1057 59.3084 52.1056 58.9961 51.7932C58.7121 51.5091 58.6864 51.0647 58.9188 50.7515L58.9963 50.6618L66.0531 43.606L38.7487 43.607C38.3409 43.607 38.0043 43.3018 37.955 42.9074L37.9487 42.807C37.9487 42.3992 38.2539 42.0626 38.6484 42.0132L38.7487 42.007L66.0521 42.006L58.997 34.9521C58.713 34.6681 58.6871 34.2237 58.9195 33.9105L58.9969 33.8208L58.9195 33.9105Z" fill="#369ad4"/></svg></span> <h3 class="text"> Cas de surcote </h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </span> </button> <div class="tab-panel" aria-hidden="true" aria-labelledby="m-trigger-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" id="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc"><strong>Lorsque le fonctionnaire a rempli les deux conditions d’une retraite à taux plein</strong> (avoir atteint l’âge légal de la retraite et avoir cumulé le nombre nécessaire de trimestres travaillés), il peut, en poursuivant son activité, <strong>bénéficier d’une surcote</strong>.<br /> <br /> Chaque trimestre travaillé supplémentaire se voit alors appliqué une <strong>surcote de 1,25 %</strong> : le montant de sa pension de retraite sera donc augmenté.<br /> <br /> Dans le cas d’un agent né le 1er janvier 1962, qui aurait atteint l’âge légal de départ en retraite le 1er juillet 2024 (à 62 ans et 6 mois) et qui aurait cumulé 172 trimestres travaillés au lieu des 167 exigibles, la surcote va jouer sur cinq trimestres :<br /> 1,25 % x 5 = 5 % du montant à taux plein<br /> <br /> Pour un salaire de référence de 3 000 euros, la pension de retraite de base sera donc de :<br /> 3 000 x 75 % + 5 % = 2362,50 euros<br /> </p> </div> </div> </div> <button class="button tab-button tab-item" id="m-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3" aria-expanded="false" aria-controls="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3" data-control="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_etude_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M52.7907 19.8L36.7847 19.845L36.7802 18.245L52.7862 18.2L52.7907 19.8ZM52.7907 19.8L36.7847 19.845C35.718 19.848 35.7135 18.248 36.7802 18.245L52.7862 18.2C53.8528 18.197 53.8573 19.797 52.7907 19.8Z" fill="#051b71"/><path d="M32.6332 24.0148L29.2616 19.536C28.6619 18.7383 27.5779 18.2 26.5772 18.2H18.1891C16.5433 18.1952 15.2038 19.5295 15.2 21.1795V48.0745C15.2047 49.7255 16.5422 51.0587 18.1891 51.0558H37.957C38.3989 51.0558 38.757 50.6976 38.757 50.2558C38.757 49.814 38.3989 49.4558 37.957 49.4558H18.1877C17.4229 49.4571 16.8022 48.8384 16.7999 48.0721L16.8 21.1813C16.8017 20.4168 17.4232 19.7978 18.1868 19.8L26.5772 19.8C27.0762 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44.0003C44.2 42.4538 45.4534 41.2 47 41.2ZM47 42.7999C46.3371 42.7999 45.7999 43.3373 45.7999 44.0003C45.7999 44.6631 46.3369 45.2 47 45.2C47.6625 45.2 48.2 44.6628 48.2 44.0003C48.2 43.3376 47.6623 42.7999 47 42.7999Z" fill="#369ad4"/></svg></span> <h3 class="text"> Proratisation de la pension de retraite </h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </span> </button> <div class="tab-panel" aria-hidden="true" aria-labelledby="m-trigger-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3" id="m-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">Certains fonctionnaires ont pu travailler une partie de leur carrière dans le secteur privé : tout en ayant cumulé le nombre de trimestres nécessaire à une retraite à taux plein, ces trimestres n’ont pas forcément tous été travaillé sous le régime de retraite des fonctionnaires.<br /> <br /> La solution appliquée ici est finalement assez logique : <strong>la pension de retraite va être proratisée</strong> en fonction de la part de la carrière effectuée dans la fonction publique.<br /> <br /> Reprenons l’exemple d’une personne née en 1960 dont le salaire de référence s’élève à 3 000 euros et la retraite à taux plein (pour 167 trimestres dans la fonction publique) à 2 250 euros. Si cette personne n’a travaillé dans la fonction publique que 120 de ses 167 trimestres et a réalisé les autres dans le secteur privé, elle va cumuler <strong>les pensions versées, au prorata, par les différents régimes de retraite.</strong><br /> <br /> Dans notre cas, la pension de retraite du fonctionnaire se calcule comme suit :<br /> Montant de la retraite à taux plein x trimestres dans la fonction publique / nombre total de trimestres requis = 2 250 x 120 / 167 = 1 616,76 euros<br /> <br /> À ce montant s’ajoutera la pension de retraite versée par le(s) régime(s) de retraite dont la personne dépendait lorsqu’elle travaillait dans le secteur privé.<br /> <br /> À noté : <strong>Une personne peut être soumise à la fois à la proratisation et à une décote</strong> : c’est le cas si les trimestres travaillés dans la fonction publique et ceux passés dans le secteur privé ne permettent pas d’atteindre le nombre total de trimestres requis pour l’obtention d’une retraite à taux plein.<br /> </p> </div> </div> </div> </div>  <div class="tabs-list is-hidden-touch"> <button class="button tab-button tab-item active" id="d-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" aria-controls="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" aria-expanded=" true" data-control="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_ajouter_au_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M34.3849 29.6049C34.6689 29.3209 35.1133 29.2951 35.4265 29.5275L35.5162 29.6049L44.5868 38.6755C45.1331 39.2218 45.44 39.9627 45.44 40.7353C45.44 41.4377 45.1864 42.1139 44.7298 42.6414L44.5868 42.7951L35.5162 51.8657C35.2038 52.1781 34.6973 52.1781 34.3849 51.8657C34.1008 51.5817 34.075 51.1372 34.3074 50.8241L34.3849 50.7343L43.4555 41.6637C43.4959 41.6233 43.5334 41.5805 43.5678 41.5357L8.8376 41.5353C8.39577 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53.5963 23.7882 54.0381V57.0557C23.7943 58.9993 25.3726 60.5682 27.3142 60.5652H68.2012C70.1415 60.5682 71.7198 58.9993 71.7259 57.0583V30.8722C71.7198 28.9281 70.1395 27.3591 68.1975 27.3652L45.2041 27.3652ZM70.9236 20.1231L70.9281 21.723L51.3797 21.7784L51.3751 20.1784L70.9236 20.1231ZM70.9281 21.723L51.3797 21.7784C50.313 21.7815 50.3085 20.1815 51.3751 20.1784L70.9236 20.1231C71.9902 20.12 71.9948 21.72 70.9281 21.723Z" fill="#051b71"/></svg></span> <h3 class="text"> Décote de la pension de retraite </h3> </span> </button> <button class="button tab-button tab-item" id="d-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" aria-controls="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" aria-expanded="false" data-control="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_femer_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M34.1495 27.2077L29.9781 21.6804C29.2786 20.754 28.0071 20.1231 26.8427 20.1231H16.5965C15.6796 20.1201 14.7971 20.483 14.1456 21.1315C13.4938 21.7788 13.1261 22.6582 13.123 23.5778V56.3427C13.1291 58.2591 14.6833 59.8045 16.5972 59.8H40.3346C40.7764 59.8 41.1346 59.4419 41.1346 59C41.1346 58.5582 40.7764 58.2 40.3346 58.2H16.5954C15.5626 58.2024 14.7263 57.3708 14.723 56.3402L14.723 23.5804C14.7247 23.0879 14.9224 22.615 15.2737 22.2661C15.6248 21.9166 16.0994 21.7215 16.5939 21.7231L26.8427 21.7231C27.5062 21.7231 28.3046 22.1193 28.7012 22.6444L32.9783 28.3119C33.1684 28.5688 33.6499 28.8077 33.9746 28.8077H56.6961C57.7281 28.8045 58.5664 29.6372 58.5696 30.6664L58.5696 40.2489C58.5696 40.6907 58.9278 41.0489 59.3696 41.0489C59.8114 41.0489 60.1696 40.6907 60.1696 40.2489V30.6639C60.1636 28.7484 58.6067 27.2017 56.6936 27.2077L34.1495 27.2077ZM58.8536 20.1231L58.8582 21.7231L39.3097 21.7785L39.3052 20.1785L58.8536 20.1231ZM58.8582 21.7231L39.3097 21.7785C38.243 21.7815 38.2385 20.1815 39.3052 20.1785L58.8536 20.1231C59.9203 20.1201 59.9248 21.7201 58.8582 21.7231Z" fill="#051b71"/><path d="M54.4997 43.2001C60.7405 43.2001 65.7997 48.2593 65.7997 54.5001C65.7997 60.7409 60.7405 65.8001 54.4997 65.8001C48.2589 65.8001 43.1997 60.7409 43.1997 54.5001C43.1997 48.2593 48.2589 43.2001 54.4997 43.2001ZM54.4997 44.8001C49.1425 44.8001 44.7997 49.1429 44.7997 54.5001C44.7997 59.8572 49.1425 64.2001 54.4997 64.2001C59.8569 64.2001 64.1997 59.8572 64.1997 54.5001C64.1997 49.1429 59.8569 44.8001 54.4997 44.8001Z" fill="#369ad4"/><path d="M50.2727 60.1725L60.1722 50.273C60.4847 49.9606 60.4847 49.454 60.1722 49.1416C59.8598 48.8292 59.3533 48.8292 59.0409 49.1416L49.1414 59.0411C48.8289 59.3535 48.8289 59.8601 49.1414 60.1725C49.4538 60.4849 49.9603 60.4849 50.2727 60.1725Z" fill="#369ad4"/><path d="M49.1414 50.273L59.0409 60.1725C59.3533 60.4849 59.8598 60.4849 60.1722 60.1725C60.4847 59.86 60.4847 59.3535 60.1722 59.0411L50.2727 49.1416C49.9603 48.8292 49.4538 48.8292 49.1414 49.1416C48.8289 49.454 48.8289 49.9605 49.1414 50.273Z" fill="#369ad4"/></svg></span> <h3 class="text"> Fin de la décote due à l’âge </h3> </span> </button> <button class="button tab-button tab-item" id="d-trigger-tab-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" aria-controls="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" aria-expanded="false" data-control="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2"> <span class="button-inner"> <span class="icon-before"><svg class="icon-m icon svg-icon picto_action_suivre_dossier" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M50.154 23.8376L50.1586 25.4376L34.27 25.483L34.2654 23.883L50.154 23.8376ZM50.1586 25.4376L34.27 25.483C33.2033 25.486 33.1987 23.886 34.2654 23.883L50.154 23.8376C51.2207 23.8345 51.2252 25.4345 50.1586 25.4376ZM30.1516 29.5958L48.3984 29.5958C50.0362 29.5904 51.3688 30.9138 51.3732 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fill="#051b71"/><path d="M32.6332 24.0148L29.2616 19.536C28.6619 18.7383 27.5779 18.2 26.5772 18.2H18.1891C16.5433 18.1952 15.2038 19.5295 15.2 21.1795V48.0745C15.2047 49.7255 16.5422 51.0587 18.1891 51.0558H37.957C38.3989 51.0558 38.757 50.6976 38.757 50.2558C38.757 49.814 38.3989 49.4558 37.957 49.4558H18.1877C17.4229 49.4571 16.8022 48.8384 16.7999 48.0721L16.8 21.1813C16.8017 20.4168 17.4232 19.7978 18.1868 19.8L26.5772 19.8C27.0762 19.8 27.686 20.1029 27.9831 20.4979L31.4848 25.1495L31.6021 25.2747C31.786 25.433 32.0058 25.543 32.242 25.5956L32.416 25.6147H51.0198C51.7847 25.6121 52.4056 26.2298 52.4083 26.9953L52.4083 34.5283C52.4083 34.9701 52.7665 35.3283 53.2083 35.3283C53.6501 35.3283 54.0083 34.9701 54.0083 34.5283V26.9926C54.0025 25.3413 52.6635 24.009 51.017 24.0148L32.6332 24.0148Z" fill="#369ad4"/><path d="M47 32.2C53.5173 32.2 58.7999 37.4826 58.7999 44C58.7999 47.4797 57.294 50.6075 54.8982 52.7672L63.5656 61.4343C63.8781 61.7467 63.8781 62.2532 63.5656 62.5656C63.2816 62.8497 62.8372 62.8755 62.524 62.6431L62.4343 62.5656L53.6311 53.7621C51.7412 55.0482 49.4584 55.7999 47 55.7999C40.4831 55.7999 35.2 50.517 35.2 44C35.2 37.4829 40.4831 32.2 47 32.2ZM47 33.7999C41.3667 33.7999 36.7999 38.3665 36.7999 44C36.7999 49.6334 41.3667 54.2 47 54.2C52.6336 54.2 57.2 49.6336 57.2 44C57.2 38.3663 52.6336 33.7999 47 33.7999ZM47.0468 38.2C49.3463 38.2 51.1214 39.2657 52.4002 41.0068C53.1512 42.0291 53.5822 43.0453 53.7725 43.7529L53.8299 43.9663L53.7696 44.1789C53.5669 44.894 53.1182 45.9224 52.3508 46.9569C51.0429 48.7202 49.2525 49.7999 46.9531 49.7999C44.6536 49.7999 42.8785 48.734 41.5997 46.9926C40.8487 45.9701 40.4177 44.9538 40.2274 44.246L40.17 44.0326L40.2303 43.82C40.433 43.1051 40.8817 42.0769 41.6491 41.0425C42.957 39.2795 44.7474 38.2 47.0468 38.2ZM47.0468 39.7999C45.3054 39.7999 43.9623 40.6098 42.9341 41.9958C42.5641 42.4945 42.2634 43.0329 42.0286 43.571L41.9204 43.83L41.8395 44.0434L41.9155 44.2505L42.0171 44.5012C42.2409 45.0288 42.5303 45.5567 42.8893 46.0456C43.8878 47.4053 45.2112 48.2 46.9531 48.2C48.6945 48.2 50.0375 47.39 51.0658 46.0037C51.4357 45.5049 51.7365 44.9664 51.9713 44.4282L52.0795 44.1692L52.1604 43.9557L52.0844 43.7486L51.9828 43.498C51.7591 42.9705 51.4697 42.4427 51.1107 41.9539C50.1122 40.5945 48.7888 39.7999 47.0468 39.7999ZM47 41.2C48.546 41.2 49.7999 42.454 49.7999 44.0003C49.7999 45.5466 48.546 46.7999 47 46.7999C45.4533 46.7999 44.2 45.5468 44.2 44.0003C44.2 42.4538 45.4534 41.2 47 41.2ZM47 42.7999C46.3371 42.7999 45.7999 43.3373 45.7999 44.0003C45.7999 44.6631 46.3369 45.2 47 45.2C47.6625 45.2 48.2 44.6628 48.2 44.0003C48.2 43.3376 47.6623 42.7999 47 42.7999Z" fill="#369ad4"/></svg></span> <h3 class="text"> Proratisation de la pension de retraite </h3> </span> </button> </div> </div> <div class="column is-6-desktop tabs-right tabs-list is-hidden-touch"> <div class="tab-panel active" aria-hidden=" false" aria-labelledby="d-trigger-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0" id="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-0"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">Comme un salarié du secteur privé, un agent de la fonction publique doit, pour prétendre à une retraite complète, <strong>justifier d’un certain nombre de trimestres travaillés</strong> dans sa carrière.<br /> Dans le cas contraire, une décote de 1,25 % s’applique au montant de sa pension pour chaque trimestre manquant.<br /> <br /> Par exemple, une personne née en 1960 doit <strong>cumuler 167</strong> trimestres pour prétendre à une retraite à taux plein. Avec un salaire de référence de 3 000 euros, le montant de cette retraite à taux plein s’élèverait à 2 250 euros.<br /> <br /> Si cette personne ne compte que 150 trimestres travaillés en carrière, il lui en manque donc 17, qui vont faire l’objet de la décote de 1,25 % : <br /> 2 250 x 17 x 1,25 % = 478,12 euros de décote.<br /> Le montant de la retraite sera donc de : 2 250 – 478,12 = 1 771,88 euros par mois.<br /> </p> </div> </div> </div> <div class="tab-panel " aria-hidden="true" aria-labelledby="d-trigger-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1" id="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-1"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">La décote de la pension de retraite, due à un nombre insuffisant de trimestres travaillés pour prétendre à une retraite à taux plein, ne s’applique que jusqu’à un certain âge. En effet, quel que soit le nombre de trimestres cumulés, <strong>la retraite est calculée à taux plein (sans décote) dès lors que la personne concernée atteint 67 ans.</strong><br /> <br /> Pour les fonctionnaires, cet âge varie, comme l’âge légal de départ en retraite, en fonction de deux facteurs conjugués : la catégorie du fonctionnaire (active ou sédentaire) et son année de naissance.<br /> <br /> Du fait de la spécificité de leur emploi, <strong>les fonctionnaires de catégorie active</strong> bénéficient d’un âge de fin de décote plus avantageux : selon leur année de naissance, ils vont pouvoir partir en retraite avant 67 ans sans subir de décote.<br /> <br /> Par exemple :<br /> – pour un fonctionnaire né en 1963 : fin de décote à 62 ans et 9 mois ; <br /> – pour un fonctionnaire né à partir de 1968 : fin de décote à 64 ans.<br /> (Les fonctionnaires nés avant 1963 ont, aujourd’hui, déjà atteint l’âge de fin de décote).<br /> </p> </div> </div> </div> <div class="tab-panel " aria-hidden="true" aria-labelledby="d-trigger-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2" id="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-2"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc"><strong>Lorsque le fonctionnaire a rempli les deux conditions d’une retraite à taux plein</strong> (avoir atteint l’âge légal de la retraite et avoir cumulé le nombre nécessaire de trimestres travaillés), il peut, en poursuivant son activité, <strong>bénéficier d’une surcote</strong>.<br /> <br /> Chaque trimestre travaillé supplémentaire se voit alors appliqué une <strong>surcote de 1,25 %</strong> : le montant de sa pension de retraite sera donc augmenté.<br /> <br /> Dans le cas d’un agent né le 1er janvier 1962, qui aurait atteint l’âge légal de départ en retraite le 1er juillet 2024 (à 62 ans et 6 mois) et qui aurait cumulé 172 trimestres travaillés au lieu des 167 exigibles, la surcote va jouer sur cinq trimestres :<br /> 1,25 % x 5 = 5 % du montant à taux plein<br /> <br /> Pour un salaire de référence de 3 000 euros, la pension de retraite de base sera donc de :<br /> 3 000 x 75 % + 5 % = 2362,50 euros<br /> </p> </div> </div> </div> <div class="tab-panel " aria-hidden="true" aria-labelledby="d-trigger-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3" id="d-tab-panel-tabs-block_0adea8871d5100969e9a8c5f0d93714a-3"> <div class="tab-panel-content"> <div class="wysiwyg"> <p class="desc">Certains fonctionnaires ont pu travailler une partie de leur carrière dans le secteur privé : tout en ayant cumulé le nombre de trimestres nécessaire à une retraite à taux plein, ces trimestres n’ont pas forcément tous été travaillé sous le régime de retraite des fonctionnaires.<br /> <br /> La solution appliquée ici est finalement assez logique : <strong>la pension de retraite va être proratisée</strong> en fonction de la part de la carrière effectuée dans la fonction publique.<br /> <br /> Reprenons l’exemple d’une personne née en 1960 dont le salaire de référence s’élève à 3 000 euros et la retraite à taux plein (pour 167 trimestres dans la fonction publique) à 2 250 euros. Si cette personne n’a travaillé dans la fonction publique que 120 de ses 167 trimestres et a réalisé les autres dans le secteur privé, elle va cumuler <strong>les pensions versées, au prorata, par les différents régimes de retraite.</strong><br /> <br /> Dans notre cas, la pension de retraite du fonctionnaire se calcule comme suit :<br /> Montant de la retraite à taux plein x trimestres dans la fonction publique / nombre total de trimestres requis = 2 250 x 120 / 167 = 1 616,76 euros<br /> <br /> À ce montant s’ajoutera la pension de retraite versée par le(s) régime(s) de retraite dont la personne dépendait lorsqu’elle travaillait dans le secteur privé.<br /> <br /> À noté : <strong>Une personne peut être soumise à la fois à la proratisation et à une décote</strong> : c’est le cas si les trimestres travaillés dans la fonction publique et ceux passés dans le secteur privé ne permettent pas d’atteindre le nombre total de trimestres requis pour l’obtention d’une retraite à taux plein.<br /> </p> </div> </div> </div> </div> </div> </div> </div> </section> <section class="wp-block-bpce-block-rte full-width"><div class="inner"><div class="wysiwyg"></div></div></section> <a id="anchor-retraite-additionnelle"></a> <section class="no-vertical-padding full-width half-content-half-image-v2"> <div class="inner expand-half"> <div class="wp-block-half-content-image block-half-content-image image-left"> <div class="columns is-desktop"> <div class="column column-image is-6-desktop">  <div class="wp-block-image"> <figure> <picture> <source media="(max-width: 959px)" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162832/bp-part-retraite-fonctionnaires-720x720px-4.png?func=crop&w=720&h=720&gravity=auto&optipress=2"> <img decoding="async" src="https://www.banquepopulaire.fr/app/plugins/bpce-advanced-responsive-images/assets/transparent-pixel.png" data-src="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162832/bp-part-retraite-fonctionnaires-720x720px-4.png?func=crop&w=720&h=720&gravity=auto&optipress=2" class="lazyload js-orientation" alt="" data-srcset="https://bp-prod.cloudimg.io/_images_/app/uploads/sites/5/2025/01/22162832/bp-part-retraite-fonctionnaires-720x720px-4.png?func=crop&w=720&h=720&gravity=auto&optipress=2 2000w" /> </picture> </figure> </div> </div> <div class="column is-6-desktop column-content column-content-right"> <div class="wysiwyg"> <h2 class="wp-block-heading" id="h-retraite-additionnelle-de-la-fonction-publique-rafp">Retraite additionnelle de la fonction publique (RAFP)</h2> <p>Les primes que les fonctionnaires perçoivent ne sont pas soumises à cotisation retraite et ne sont pas prises en compte dans le calcul de leur pension de retraite.</p> <p>La RAFP est un régime de retraite complémentaire obligatoire, par répartition et par points, créé en 2003 pour permettre aux fonctionnaires <strong>de cotiser sur ces primes et d’accumuler ainsi des droits à pension additionnels</strong>.</p> <p>Les primes concernées (auxquelles s’ajoutent les avantages en nature et les heures supplémentaires) ne peuvent dépasser 20 % du total du traitement brut annuel. Elles font l’objet d’un montant de <strong>10 % de cotisations</strong> (5 % à la charge du fonctionnaire et 5 % à la charge de l’employeur) et sont converties en points.</p> <p>Une fois ses droits à la retraite ouverts, <strong>le fonctionnaire bénéficie d’une pension additionnelle calculée selon le nombre de points cumulés</strong> et la valeur de service du point à la date de la liquidation. Cette rente est remplacée par le versement d’un capital lorsque le nombre total de points est inférieur à 5 125.</p> </div> </div> </div> </div> </div> </section> <section class="wp-block-bpce-block-rte full-width"><div class="inner"><div class="wysiwyg"> <h2 class="wp-block-heading" id="h-e-lements-a-prendre-en-compte-pour-bien-calculer-sa-retraite"><strong>É</strong>léments à prendre en compte pour bien calculer sa retraite</h2> <p>Bien calculer sa retraite suppose de réunir de nombreuses informations sur sa carrière.</p> <p>Il faut d’abord déterminer :</p> <ul class="wp-block-list"> <li>son âge légal de départ à la retraite ;</li> <li>le nombre de trimestres travaillés en carrière ;</li> <li>le nombre de trimestres exigibles pour une retraite à taux plein ;</li> <li>son salaire de référence.</li> </ul> <p>Pour une carrière complète, le montant de la pension de retraite s’élèvera en général à 75 % du salaire de référence. Toutefois, <strong>des bonifications spécifiques</strong> peuvent porter ce pourcentage à 80 % (taux maximum).</p> <p>Il peut notamment s’agir de <strong>bonifications pour enfants</strong> (un an par enfant si l’activité a été interrompue au moins deux mois) ou de <strong>bonifications accordées aux militaires</strong> (dépaysement pour les services rendus hors d’Europe, bénéfices de campagne, exécution d’un service aérien ou sous-marin commandé…).</p> <p>Enfin, pour ne pas commettre d’erreurs, il convient de tenir compte des éventuelles réformes qui peuvent intervenir et notamment influencer l’âge légal de départ à la retraite ou le nombre de trimestres requis.</p> <p>Pour anticiper votre retraite, rendez-vous sur <strong>l’Espace Numérique Sécurisé de l’Agent Public</strong> (<a href="ensap.gouv.fr">ensap.gouv.fr</a>) : vous pourrez vérifier l’ensemble de vos périodes travaillées puis initier vos démarches pour le calcul et le versement de votre pension.</p> </div></div></section> <section class="sectionblockpush push" id="push-block_50223c04ef3b723e87a7e0af52b8ab8b"> <div class="inner"> <ul class="columns is-mobile is-multiline is-streched"> <li class="column is-12-mobile is-6-desktop"> <div class="block-with-background radius is-variant1"> <span class="block-icon"> <svg class="icon svg-icon picto_objet_compteur" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M40.1186 46.1155C42.2782 46.1155 44.0369 47.831 44.0369 49.9574C44.0369 52.0837 42.2782 53.7993 40.1186 53.7993C37.9589 53.7993 36.2002 52.0837 36.2002 49.9574C36.2002 47.831 37.9589 46.1155 40.1186 46.1155ZM40.1186 47.7155C38.8338 47.7155 37.8002 48.7237 37.8002 49.9574C37.8002 51.191 38.8338 52.1993 40.1186 52.1993C41.4033 52.1993 42.4369 51.191 42.4369 49.9574C42.4369 48.7237 41.4033 47.7155 40.1186 47.7155Z" fill="#369ad4"/><path d="M65.8002 51C65.8002 36.2056 54.2563 24.2 40.0002 24.2C25.7441 24.2 14.2002 36.2056 14.2002 51C14.2002 51.4418 14.5584 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35.4343L23.5659 31.4343C23.2535 31.1218 22.7469 31.1218 22.4345 31.4343 22.1221 31.7467 22.1221 32.2532 22.4345 32.5656ZM53.5659 36.5656 57.5659 32.5656C57.8783 32.2532 57.8783 31.7467 57.5659 31.4343 57.2535 31.1218 56.7469 31.1218 56.4345 31.4343L52.4345 35.4343C52.1221 35.7467 52.1221 36.2532 52.4345 36.5656 52.7469 36.8781 53.2535 36.8781 53.5659 36.5656ZM15.0002 58.7999H65.0002C65.442 58.7999 65.8002 58.4418 65.8002 58 65.8002 57.5581 65.442 57.2 65.0002 57.2H15.0002C14.5584 57.2 14.2002 57.5581 14.2002 58 14.2002 58.4418 14.5584 58.7999 15.0002 58.7999Z" fill="#051b71"/></svg> </span> <div class="info-push" data-click-tracking="navigation"> <p class="title" role="heading" aria-level="2">Vous souhaitez simuler vos revenus à la retraite et découvrir nos solutions ?</p> <p class="description"> Avec notre simulateur épargne retraite, préparez sereinement votre avenir. </p> <a href="https://www.banquepopulaire.fr/preparer-retraite/simulateur-retraite/" class="button button-inline mt-3" > <span class="button-inner "> <span class="text ">Simuler sa retraite</span> </span> </a> </div> </div> </li> <li class="column is-12-mobile is-6-desktop"> <div class="block-with-background radius is-variant2"> <span class="block-icon"> <svg class="icon svg-icon picto_action_email_enveloppe_ouverte_euro" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M42.8517 16.6915L60.36 26.5775C61.8676 27.4288 62.7999 29.0259 62.7999 30.7573V56C62.7999 58.0987 61.0986 59.8 59 59.8H21C18.9013 59.8 17.2 58.0987 17.2 56V30.7573C17.2 29.0259 18.1323 27.4288 19.6399 26.5775L37.1482 16.6915C38.918 15.6922 41.0819 15.6922 42.8517 16.6915ZM42.065 18.0848C40.7834 17.3611 39.2165 17.3611 37.9349 18.0848L20.4266 27.9708C19.4215 28.5383 18.7999 29.603 18.7999 30.7573V56C18.7999 57.215 19.7849 58.2 21 58.2H59C60.215 58.2 61.2 57.215 61.2 56V30.7573C61.2 29.603 60.5784 28.5383 59.5733 27.9708L42.065 18.0848Z" fill="#051b71"/><path d="M39.9808 36.2H43C43.4418 36.2 43.7999 36.5581 43.7999 37C43.7999 37.4078 43.4948 37.7444 43.1003 37.7937L43 37.7999H39.9808C38.8817 37.7999 37.9458 38.7476 37.8154 40H39.5C39.9418 40 40.2999 40.3581 40.2999 40.7999C40.2999 41.2078 39.9948 41.5444 39.6003 41.5937L39.5 41.5999H37.7999V43H39.5C39.9078 43 40.2444 43.3051 40.2937 43.6996L40.2999 43.7999C40.2999 44.2078 39.9948 44.5444 39.6003 44.5937L39.5 44.5999H37.7999V44.7C37.7999 46.0395 38.7143 47.1076 39.8337 47.1943L39.9808 47.2H43C43.4418 47.2 43.7999 47.5581 43.7999 48C43.7999 48.4078 43.4948 48.7444 43.1003 48.7937L43 48.7999H39.9808C37.9394 48.7999 36.305 47.0612 36.2048 44.9094L36.2 44.5999H35.5C35.0921 44.5999 34.7555 44.2948 34.7062 43.9003L34.7 43.7999C34.7 43.3921 35.0051 43.0555 35.3996 43.0062L35.5 43H36.2V41.5999H35.5C35.0921 41.5999 34.7555 41.2948 34.7062 40.9003L34.7 40.7999C34.7 40.3921 35.0051 40.0555 35.3996 40.0062L35.5 40L36.2099 40.0002C36.3463 37.9583 37.8652 36.3094 39.7873 36.2052L39.9808 36.2H43H39.9808Z" fill="#369ad4"/></svg> </span> <div class="info-push" data-click-tracking="simulation et souscription"> <p class="title" role="heading" aria-level="2">Prêt à préparer votre retraite et ouvrir un Plan d’Épargne Retraite (PER) ?</p> <p class="description"> Chez Banque Populaire, vous pouvez adhérer à un PER simplement. </p> <span class="button button-inline mt-3 lnk" target="_blank" rel=aHR0cHM6Ly93d3cuYmFucXVlcG9wdWxhaXJlLmZyL3ZvdHJlLWJhbnF1ZS9jaG9pc2lyLXVuZS1yZWdpb24vP3NvdXJjZV9pZD0xMzMxMTgmd29yZGluZz1yZWdpb24= role="link" tabindex="0" > <span class="button-inner "> <span class="text ">Adhérer à un PER</span> </span> </span> </div> </div> </li> </ul> </div> </section> <a id="anchor-questions-frequentes"></a> <section class="full-width no-top-padding white accordeon" id="accordeon-block_b47758795a7e967989b22828dded8a71"> <div class="inner"> <div class="block-overlapped column"> <div class="columns is-desktop"> <div class="column is-3-desktop column-content column-content-left block-overlapped-left"> <div class="picto"> <svg class="icon svg-icon picto_action_question_chat" aria-hidden="true" viewbox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M29.4221 18.3686C17.8102 24.0135 12.7675 37.8716 18.0357 49.6615L18.1985 50.0181L18.3939 50.4166C18.5863 50.7924 18.806 51.1781 19.0727 51.6143L19.4166 52.1646L19.7514 52.6853L17.3323 62.6359C17.1739 63.2878 17.8398 63.8335 18.4478 63.55L26.2877 59.8942C33.9968 64.7906 41.939 65.3629 50.0159 61.5974C62.0005 56.0081 67.1848 41.764 61.5957 29.7798C56.0642 17.9156 42.0471 12.715 30.1398 18.034L29.7796 18.1984L29.4221 18.3686ZM21.3875 52.7286C21.4394 52.5151 21.4012 52.2898 21.282 52.1053L21.1117 51.8425L20.4443 50.7903C20.2055 50.4 20.0097 50.0579 19.8411 49.7321L19.7195 49.4903L19.4949 49.0052C14.5313 37.8922 19.3844 24.8104 30.4558 19.6485L30.7919 19.4951C41.9034 14.5316 54.9837 19.3846 60.1456 30.456C65.3612 41.6394 60.5234 54.9316 49.3397 60.1473C41.6385 63.7377 34.1558 63.1319 26.7878 58.313C26.5561 58.1615 26.2627 58.1405 26.0118 58.2574L19.2803 61.3964L21.3875 52.7286Z" fill="#051b71"/><path d="M41.5 48.6521C41.5 49.1831 41.3215 49.6466 40.969 50.0396C40.6135 50.4326 40.1305 50.6291 39.52 50.6291C38.9095 50.6291 38.428 50.4326 38.074 50.0396C37.7185 49.6466 37.5415 49.1831 37.5415 48.6521C37.5415 48.1196 37.7185 47.6576 38.074 47.2616C38.428 46.8701 38.9095 46.6721 39.52 46.6721C40.1305 46.6721 40.6135 46.8701 40.969 47.2616C41.3215 47.6576 41.5 48.1196 41.5 48.6521ZM39.6385 31.6076C38.3395 31.6076 37.069 31.9436 35.8285 32.6111L35.0605 30.4856C35.7295 30.1301 36.4825 29.8451 37.3195 29.6291C38.1565 29.4131 39.049 29.3051 39.994 29.3051C41.116 29.3051 42.0355 29.4566 42.754 29.7626C43.474 30.0671 44.05 30.4556 44.482 30.9296C44.9155 31.4006 45.2155 31.9286 45.3835 32.5091C45.55 33.0881 45.6355 33.6446 45.6355 34.1771C45.6355 34.8461 45.5065 35.4416 45.25 35.9651C44.995 36.4871 44.6785 36.9746 44.3065 37.4261C43.9315 37.8791 43.5175 38.3126 43.0645 38.7266C42.6115 39.1406 42.1975 39.5681 41.824 40.0106C41.4505 40.4546 41.1355 40.9376 40.879 41.4581C40.6225 41.9816 40.495 42.5651 40.495 43.2161V43.5416C40.495 43.6601 40.5055 43.7666 40.525 43.8671H38.221C38.1415 43.4726 38.1025 43.0586 38.1025 42.6251C38.1025 41.9951 38.2165 41.4251 38.4415 40.9121C38.668 40.4006 38.959 39.9236 39.313 39.4796C39.6685 39.0371 40.042 38.6231 40.4365 38.2406C40.8295 37.8551 41.2045 37.4651 41.5585 37.0721C41.914 36.6806 42.2035 36.2636 42.43 35.8316C42.6565 35.3996 42.7705 34.9256 42.7705 34.4141C42.7705 33.5861 42.5035 32.9126 41.971 32.3906C41.44 31.8686 40.6615 31.6076 39.6385 31.6076Z" fill="#369ad4"/></svg> </div> <h2 class="font-title-section is-block title" >Les réponses à vos questions</h2> </div> <div class="column is-9-desktop is-9-col block-overlapped-right"> <div class="block-accordion"> <dl class="accordion-list" id="accordion"> <dt class="accordion-title"> <button class="button accordion-button" aria-controls="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-1" id="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-1" aria-expanded="false"> <span class="button-inner"> <h3 class="text font-title-edito-light" >Quel est l’avantage d’être fonctionnaire pour la retraite ?</h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </button> </dt> <dd class="accordion-panel" aria-hidden="true" aria-labelledby="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-1" id="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-1"> <div class="wysiwyg"> <p>Si les régimes des salariés du secteur privé et des fonctionnaires tendent à se rapprocher, les agents de la fonction publique bénéficient encore de plusieurs avantages, notamment quant au calcul de leur pension de retraite. <br /> <br /> En effet, leur salaire de référence est par exemple <strong>calculé sur la base des salaires de leurs six derniers mois d’activité</strong> (contre les 25 meilleures années pour un salarié du privé). <br /> <strong>Le taux appliqué aux fonctionnaires est ensuite de 75 % contre 50 % dans le privé. </strong><br /> <br /> D’autres avantages concernent l’âge du départ en retraite ou l’âge de fin de décote.</p> </div> </dd> <dt class="accordion-title"> <button class="button accordion-button" aria-controls="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-2" id="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-2" aria-expanded="false"> <span class="button-inner"> <h3 class="text font-title-edito-light" >Les fonctionnaires cotisent-ils plus pour la retraite ?</h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </button> </dt> <dd class="accordion-panel" aria-hidden="true" aria-labelledby="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-2" id="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-2"> <div class="wysiwyg"> <p>Depuis une réforme de 2010, <strong>les taux de cotisation des agents publics est progressivement remonté</strong> pour s’aligner sur celui des salariés du secteur privé (même s’il reste un peu inférieur). <br /> <br /> Mais la véritable différence se situe au niveau des <strong>taux de cotisation des employeurs</strong> : des cotisations exorbitantes du droit commun sont constatées du côté des employeurs publics pour masquer les déficits des régimes publics.</p> </div> </dd> <dt class="accordion-title"> <button class="button accordion-button" aria-controls="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-3" id="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-3" aria-expanded="false"> <span class="button-inner"> <h3 class="text font-title-edito-light" >Quel est le montant minimum de retraite pour un fonctionnaire ?</h3> <span class="icon-after"><svg class="icon svg-icon icon_chevron_down" aria-hidden="true" width="24" height="24" viewbox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M255.997 352.013c-4.528 0-8.864-1.92-11.888-5.296l-144-160c-5.904-6.56-5.376-16.688 1.184-22.592 6.544-5.936 16.672-5.408 22.592 1.2l132.112 146.768 132.112-146.768c5.904-6.576 16.032-7.088 22.592-1.2 6.576 5.904 7.104 16.032 1.184 22.592l-144 160a15.969 15.969 0 01-11.888 5.296" fill="#333" fill-rule="evenodd"/></svg></span> </button> </dt> <dd class="accordion-panel" aria-hidden="true" aria-labelledby="trigger-accordion-accordeon-block_b47758795a7e967989b22828dded8a71-3" id="accordion-panel-accordeon-block_b47758795a7e967989b22828dded8a71-3"> <div class="wysiwyg"> <p><strong>Le calcul de la pension de retraite dépend de plusieurs paramètres</strong> : l’âge légal de départ à la retraite, le nombre de trimestres exigibles, le nombre de trimestres travaillés, le montant du salaire de référence… Cependant, le montant de la retraite d’un fonctionnaire ne peut pas être inférieur à une certaine somme désignée sous le nom de « minimum garanti » et équivalente à 1 325,01 € bruts par mois. <br /> <br /> Pour en bénéficier, il faut toutefois <strong>remplir les conditions requises pour l’obtention d’une retraite à taux plein</strong> (dans le cas contraire, il est attribué au prorata).</p> </div> </dd> </dl> </div> </div> </div> </div> <script type="application/ld+json">{"@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Quel est l\u2019avantage d\u2019\u00eatre fonctionnaire pour la retraite ?","acceptedAnswer":{"@type":"Answer","text":"Si les r\u00e9gimes des salari\u00e9s du secteur priv\u00e9 et des fonctionnaires tendent \u00e0 se rapprocher, les agents de la fonction publique b\u00e9n\u00e9ficient encore de plusieurs avantages, notamment quant au calcul de leur pension de retraite. \r\n\r\nEn effet, leur salaire de r\u00e9f\u00e9rence est par exemple <strong>calcul\u00e9 sur la base des salaires de leurs six derniers mois d\u2019activit\u00e9</strong> (contre les 25 meilleures ann\u00e9es pour un salari\u00e9 du priv\u00e9). \r\n<strong>Le taux appliqu\u00e9 aux fonctionnaires est ensuite de 75 % contre 50 % dans le priv\u00e9. </strong>\r\n\r\nD\u2019autres avantages concernent l\u2019\u00e2ge du 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23.1178 45.2954 22.6398 45.4867 22.2415C45.662 21.8764 46.0782 21.705 46.4531 21.8263ZM39.9494 24.1792C40.2053 24.5394 40.1207 25.0388 39.7605 25.2947C39.4003 25.5506 38.9009 25.466 38.645 25.1058C36.8658 22.601 33.7177 22.7912 31.5922 24.9155C30.7463 25.7618 29.4685 26.2411 27.8756 26.4567C26.688 26.6175 25.4373 26.6183 24.2637 26.5244L23.8221 26.4835L23.6293 26.4607C23.1914 26.4022 22.8838 25.9998 22.9422 25.5619C23.0007 25.1239 23.4031 24.8163 23.8411 24.8747L24.2425 24.917L24.3913 24.9295C25.4604 25.0151 26.6038 25.0143 27.661 24.8712C28.939 24.6982 29.912 24.3332 30.4608 23.7841C33.2213 21.0253 37.5244 20.7653 39.9494 24.1792Z" fill="#051b71"/><path d="M42.0662 21.8441C43.4347 20.7607 45.174 20.9914 46.8834 22.0604C47.258 22.2947 47.3718 22.7883 47.1375 23.1629C46.9032 23.5375 46.4096 23.6512 46.035 23.417C44.9016 22.7081 43.8991 22.5442 43.1634 23.0246L30.3488 32.437C29.5152 33.0951 29.3731 34.3041 30.0321 35.1367C30.69 35.9699 31.8993 36.1118 32.7338 35.4528L33.9724 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