{"id":13311,"date":"2023-06-06T08:55:09","date_gmt":"2023-06-06T12:55:09","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=13311"},"modified":"2023-06-06T15:58:14","modified_gmt":"2023-06-06T19:58:14","slug":"protection-accrue-des-rentes-des-participants","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/protection-accrue-des-rentes-des-participants\/","title":{"rendered":"Protection accrue des rentes des participants"},"content":{"rendered":"

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Perspectives TRR \u2013 <\/em>Juin 2023<\/strong><\/span><\/p>\n

[\/vc_column_text][vc_column_text]En mars 2023, Eckler a publi\u00e9 un article dans Perspectives TRR <\/em>intitul\u00e9 \u00ab\u00a0Att\u00e9nuer le risque pour les participants et les promoteurs de r\u00e9gimes de retraite lors de l’achat d’une rente\u00a0\u00bb<\/em><\/a>,<\/em> dans lequel nous avons discut\u00e9 des diff\u00e9rentes fa\u00e7ons dont les prestations de retraite des participants peuvent \u00eatre prot\u00e9g\u00e9es contre le risque d’insolvabilit\u00e9 de l’assureur lors de l’achat d’une rente. L’une des formes de protection abord\u00e9es portait sur la protection Assuris, qui garantit une certaine partie des prestations de retraite des participants dans le cas improbable de l’insolvabilit\u00e9 d’une compagnie d’assurance-vie canadienne aupr\u00e8s de laquelle un promoteur de r\u00e9gime a pr\u00e9c\u00e9demment souscrit des rentes.<\/p>\n

Le 29 mai 2023, Assuris a annonc\u00e9 qu’elle avait augment\u00e9 la limite de protection des rentes mensuelles des participants.<\/strong> Auparavant, Assuris couvrait le plus \u00e9lev\u00e9 des montants suivants : 2 000 $ ou 85 % de la rente mensuelle, pour les rentes avec rachat des engagements. Avec la r\u00e9cente augmentation, les prestations de retraite mensuelles des participants sont maintenant couvertes jusqu’\u00e0 concurrence de 5 000 $ ou de 90 % de la rente mensuelle, selon le montant le plus \u00e9lev\u00e9.<\/p>\n

Pour les rentes sans rachat des engagements, la couverture est maintenant de 90 % de la rente mensuelle payable \u00e0 chaque membre.<\/p>\n

Certains autres plafonds d’Assuris ont \u00e9galement \u00e9t\u00e9 relev\u00e9s, comme l’assurance-vie, qui est garantie jusqu’\u00e0 1 million de dollars ou 90 %, selon le montant le plus \u00e9lev\u00e9.<\/p>\n

Les nouveaux plafonds de couverture am\u00e9lior\u00e9s d’Assuris s’appliquent dor\u00e9navant \u00e0 l’insolvabilit\u00e9 des assureurs. C’est une bonne nouvelle pour les participants et les promoteurs de r\u00e9gime qui envisagent de transf\u00e9rer le risque d’un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es par l’achat d’une rente.[\/vc_column_text][\/basic_container][basic_container container_size=”container container-narrow” text_align=”text-center”][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=”container-fluid”]\t

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<\/div>[vc_column_text]Cet article a \u00e9t\u00e9 pr\u00e9par\u00e9 \u00e0 des fins d\u2019information g\u00e9n\u00e9rale seulement et ne constitue pas des conseils professionnels. Eckler ne fait aucune repr\u00e9sentation ou garantie quant \u00e0 l\u2019exactitude de ces renseignements. Rien dans ce rapport ne doit \u00eatre consid\u00e9r\u00e9 comme un conseil de placement, un conseil juridique ou toute autre forme de conseil professionnel. Eckler ne peut \u00eatre tenue responsable des cons\u00e9quences de l\u2019utilisation des renseignements pr\u00e9sent\u00e9s dans ce rapport, sous quelque forme que ce soit, et n\u2019accepte aucune responsabilit\u00e9 en cas d\u2019erreurs, d\u2019inexactitudes ou d\u2019omissions. <\/span>[\/vc_column_text]
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En mars 2023, Eckler a publi\u00e9 un article dans Perspectives TRR intitul\u00e9 \u00ab\u00a0Att\u00e9nuer le risque pour les participants et les promoteurs de r\u00e9gimes de retraite lors de l’achat d’une rente\u00a0\u00bb, … […]<\/p>\n","protected":false},"author":14,"featured_media":2354,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[312],"tags":[367,255,253,256,304,305,306],"class_list":["post-13311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perspectives-trr","tag-conseil-actuariel","tag-consultation-en-regimes-de-retraite","tag-consultation-en-regimes-de-retraite-et-en-avantages-sociaux","tag-regimes-de-retraite-a-prestations-determinees","tag-retraites","tag-risque-lie-aux-pensions","tag-transfert-des-risques-lies-aux-regimes-de-retraite","service-defined-benefit-pension-consulting-fr","service-transfert-des-risques-lies-aux-regimes-de-retraite"],"acf":[],"yoast_head":"\nProtection accrue des rentes des participants - 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