La Caisse interprofessionnelle de prévoyance et d’assurance vieillesse (Cipav) gère le régime de retraite et d’invalidité-décès de 19 professions libérales, à savoir les architectes, les géomètres experts, les moniteurs de ski, les ostéopathes, les psychologues, les diététiciens, les experts en automobile, les guides-conférenciers, etc. Et pour aider ses adhérents à faire face aux conséquences économiques liées à l’épidémie de Covid-19, elle prend en charge tout ou partie de leurs cotisations de retraite dues en 2020.
À noter : le financement de cette prise en charge est assuré par les réserves du régime d’invalidité-décès de la Cipav et par une dotation de la CNAVPL.
Les montants financés par la Cipav
Pour les cotisations de retraite de base, la prise en charge de la Cipav s’effectue dans la limite de 477 €. S’agissant des cotisations de retraite complémentaire, l’aide est plafonnée à 1 392 € et au montant des cotisations versées en 2019.
Précision : tous les professionnels libéraux peuvent prétendre à cette prise en charge quels que soient leur statut et leurs revenus. À condition qu’ils soient à jour du paiement de leurs cotisations sociales.
Et, bien entendu, la prise en charge des cotisations par la Cipav ne remettra pas en cause l’acquisition des droits à retraite des professionnels libéraux. Concrètement, ils se verront attribuer des trimestres et des points de retraite au titre des cotisations financées par l’organisme.
Comment procéder ?
Les professionnels libéraux relevant de la Cipav recevront prochainement un courriel détaillant la procédure de demande de prise en charge des cotisations sociales. Dans l’attente de ce mail, ils ne sont pas tenus de régler leurs cotisations.
En complément : les micro-entrepreneurs bénéficieront également d’une aide de la Cipav, mais selon des modalités qui seront définies par le Conseil de la protection sociale des travailleurs indépendants et l’Acoss. À suivre.
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