{"id":12932,"date":"2025-11-26T00:00:00","date_gmt":"2025-11-25T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/retraite-des-professions-liberales-des-evolutions\/"},"modified":"2025-11-26T00:00:00","modified_gmt":"2025-11-25T23:00:00","slug":"retraite-des-professions-liberales-des-evolutions","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/retraite-des-professions-liberales-des-evolutions\/","title":{"rendered":"Retraite des professions lib\u00e9rales : des \u00e9volutions !"},"content":{"rendered":"<p>Pour parachever la r\u00e9forme de l\u2019assiette sociale des travailleurs ind\u00e9pendants \u2013 \u00e0 l\u2019exception des auto-entrepreneurs \u2013, une mise \u00e0 jour r\u00e9cente de plusieurs param\u00e8tres des r\u00e9gimes de retraite vient d\u2019\u00eatre op\u00e9r\u00e9e, applicable d\u00e8s 2025 pour les avocats et \u00e0 partir de 2026 pour les autres professions lib\u00e9rales. Quelques \u00e9claircissements s\u2019imposent\u2026<\/p>\n<h2>R\u00e9gime de base et compl\u00e9mentaire de retraite des lib\u00e9raux : quels changements en 2025 et 2026 ?<\/h2>\n<p>Pour m\u00e9moire, la r\u00e9forme de l\u2019assiette sociale des travailleurs ind\u00e9pendants, initi\u00e9e par la loi de financement de la S\u00e9curit\u00e9 sociale pour 2024, vise \u00e0 simplifier le calcul des cotisations tout en renfor\u00e7ant la part des cotisations qui ouvrent r\u00e9ellement des droits, notamment pour la retraite.<\/p>\n<p>Ainsi, si le montant global des pr\u00e9l\u00e8vements ne change pas, leur r\u00e9partition \u00e9volue : la CSG-CRDS diminue, tandis que les cotisations retraite augmentent, afin d\u2019am\u00e9liorer les droits futurs des ind\u00e9pendants.<\/p>\n<p>Pour accompagner cette nouvelle r\u00e9partition qui vise \u00e0 harmoniser le r\u00e9gime social des travailleurs ind\u00e9pendants, plusieurs ajustements r\u00e9glementaires tenant aux taux, assiettes et valeurs de services des r\u00e9gimes compl\u00e9mentaires des professions lib\u00e9rales sont ajust\u00e9s.<\/p>\n<p>Ainsi, les ajustements directement li\u00e9s \u00e0 la r\u00e9forme de l\u2019assiette sociale seront, eux, progressivement appliqu\u00e9s : d\u00e8s 2025 pour les avocats et les professions relevant de la CIPAV, et \u00e0 partir de 2026 pour les autres professions lib\u00e9rales.<\/p>\n<p>Les r\u00e8gles applicables au conjoint collaborateur du professionnel lib\u00e9ral sont \u00e9galement pr\u00e9cis\u00e9es, afin de mieux encadrer le choix des modalit\u00e9s de calcul de sa propre cotisation \u00e0 la retraite <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000038785217\" target=\"_blank\">par r\u00e9f\u00e9rence au Code de la s\u00e9curit\u00e9 sociale.<\/a><\/p>\n<p>En effet, rappelons que le conjoint collaborateur du professionnel lib\u00e9ral peut choisir lui-m\u00eame l\u2019assiette de la cotisation retraite compl\u00e9mentaire.<\/p>\n<p>D\u00e9sormais, ce choix devra \u00eatre effectu\u00e9 par \u00e9crit dans le mois qui suit le d\u00e9but de son activit\u00e9. Notez que cette demande \u00e9crite devra \u00eatre contresign\u00e9e par le professionnel lib\u00e9ral si l&#8217;option retenue n\u00e9cessite de calculer la cotisation due sur la base du revenu d\u2019activit\u00e9.<\/p>\n<p>Enfin, l\u2019ann\u00e9e 2025 s\u2019accompagnera de plusieurs actualisations propres \u00e0 certains r\u00e9gimes :<\/p>\n<ul>\n<li>la cotisation forfaitaire du r\u00e9gime de prestations compl\u00e9mentaires de vieillesse des sages-femmes sera maintenue ;<\/li>\n<li>les cotisations et les valeurs de service du r\u00e9gime compl\u00e9mentaire des m\u00e9decins seront revaloris\u00e9es ;<\/li>\n<li>les param\u00e8tres du r\u00e9gime compl\u00e9mentaire des artistes-auteurs professionnels seront actualis\u00e9s ;<\/li>\n<li>les cotisations des r\u00e9gimes compl\u00e9mentaires obligatoires et des garanties invalidit\u00e9-d\u00e9c\u00e8s des professions lib\u00e9rales seront mises \u00e0 jour.<\/li>\n<\/ul>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000052565475\" target=\"_blank\">D\u00e9cret no 2025-1076 du 10 novembre 2025 fixant pour 2025 et 2026 les param\u00e8tres des r\u00e9gimes d&#8217;assurance vieillesse compl\u00e9mentaire des professionnels lib\u00e9raux et pour 2025 les param\u00e8tres du r\u00e9gime de retraite de base des avocats, des r\u00e9gimes de prestations compl\u00e9mentaires de vieillesse des m\u00e9decins et sages-femmes, des r\u00e9gimes d&#8217;invalidit\u00e9-d\u00e9c\u00e8s des professionnels lib\u00e9raux et des r\u00e9gimes d&#8217;assurance vieillesse compl\u00e9mentaire des artistes-auteurs<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/retraite-des-professions-liberales-des-evolutions\" target=\"_blank\">Retraite des professions lib\u00e9rales : des \u00e9volutions ! <\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/Shutterstock_retraiteprofessionsliberales.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour parachever la r\u00e9forme de l\u2019assiette sociale des travailleurs ind\u00e9pendants \u2013 \u00e0 l\u2019exception des auto-entrepreneurs \u2013, une mise \u00e0 jour r\u00e9cente de plusieurs param\u00e8tres des r\u00e9gimes de retraite vient d\u2019\u00eatre op\u00e9r\u00e9e, applicable d\u00e8s 2025 pour les avocats et \u00e0 partir de 2026 pour les autres professions lib\u00e9rales. Quelques \u00e9claircissements s\u2019imposent\u2026<\/p>\n","protected":false},"author":0,"featured_media":12933,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8,7],"tags":[],"class_list":["post-12932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-sociale","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retraite des professions lib\u00e9rales : des \u00e9volutions ! - Cabinet Magar<\/title>\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.cabinet-magar.fr\/actualites\/retraite-des-professions-liberales-des-evolutions\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retraite des professions lib\u00e9rales : des \u00e9volutions ! - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Pour parachever la r\u00e9forme de l\u2019assiette sociale des travailleurs ind\u00e9pendants \u2013 \u00e0 l\u2019exception des auto-entrepreneurs \u2013, une mise \u00e0 jour r\u00e9cente de plusieurs param\u00e8tres des r\u00e9gimes de retraite vient d\u2019\u00eatre op\u00e9r\u00e9e, applicable d\u00e8s 2025 pour les avocats et \u00e0 partir de 2026 pour les autres professions lib\u00e9rales. 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