{"d":{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')","uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')","type":"itsystems.Pd.DataServices.DataModel.Business"},"BusinessResponsibilities":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/BusinessResponsibilities"}},"RelatedBusinesses":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/RelatedBusinesses"}},"BusinessRoles":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/BusinessRoles"}},"Publications":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Publications"}},"LegislativePeriods":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/LegislativePeriods"}},"Sessions":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Sessions"}},"Preconsultations":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Preconsultations"}},"Bills":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Bills"}},"Councils":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Councils"}},"BusinessTypes":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/BusinessTypes"}},"Votes":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Votes"}},"SubjectsBusiness":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/SubjectsBusiness"}},"BusinessStates":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/BusinessStates"}},"Council":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Council"}},"Transcripts":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Business(ID=20250494,Language='FR')/Transcripts"}},"ID":20250494,"Language":"FR","BusinessShortNumber":"25.494","BusinessType":4,"BusinessTypeName":"Initiative parlementaire","BusinessTypeAbbreviation":"Iv. pa.","Title":"Renforcer les possibilit\u00e9s de pr\u00e9voyance pour les travailleurs ind\u00e9pendants","Description":null,"InitialSituation":null,"Proceedings":null,"DraftText":null,"SubmittedText":"

L\u2019art. 44 de la loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9 (LPP) est modifi\u00e9 comme suit :

1 Pour autant que les principes de la pr\u00e9voyance professionnelle vis\u00e9s \u00e0 l\u2019art. 1, al. 3, soient respect\u00e9s en tout temps, les ind\u00e9pendants peuvent se faire assurer aupr\u00e8s des institutions de pr\u00e9voyance suivantes :aupr\u00e8s de l\u2019institution de pr\u00e9voyance qui assure leurs salari\u00e9s ou dont ils rel\u00e8vent \u00e0 raison de leur profession.

a.      l\u2019institution de pr\u00e9voyance dont ils rel\u00e8vent \u00e0 raison de leur profession ;

b.      l\u2019institution de pr\u00e9voyance qui assure leurs salari\u00e9s ;

c.       une autre institution de pr\u00e9voyance, si les dispositions r\u00e9glementaires de celle-ci le pr\u00e9voient.

","ReasonText":"

Faute de base l\u00e9gale claire, l\u2019affiliation des ind\u00e9pendants qui n\u2019ont aucun employ\u00e9 \u00e0 une institution collective est sujet \u00e0 discussion. Conform\u00e9ment \u00e0 l\u2019art. 44 LPP en vigueur, un ind\u00e9pendant travaillant seul peut s\u2019assurer aupr\u00e8s de l\u2019institution de pr\u00e9voyance de son association professionnelle. S\u2019il n\u2019y en a pas, il ne peut s\u2019affilier qu\u2019\u00e0 la Fondation institution suppl\u00e9tive LPP. 

 

L\u2019art. 44, al. 1, let. c, LPP propose une autre solution que l\u2019affiliation \u00e0 l\u2019institution suppl\u00e9tive : les ind\u00e9pendants peuvent se faire assurer aupr\u00e8s d\u2019une autre institution de pr\u00e9voyance, pour autant que les dispositions r\u00e9glementaires de celle-ci le pr\u00e9voient. Cette disposition augmente les possibilit\u00e9s de pr\u00e9voyance pour les ind\u00e9pendants, \u00e9tant pr\u00e9cis\u00e9 dans la phrase introductive de l\u2019alin\u00e9a que le principe de la collectivit\u00e9 (art. 1, al. 3, LPP en relation avec l\u2019art. 1c OPP 2) et les dispositions relatives au rachat pr\u00e9vues \u00e0 l\u2019art. 60a, al. 2, OPP 2 doivent \u00eatre respect\u00e9s.

 

La proposition n\u2019est pas nouvelle. Un postulat en ce sens intitul\u00e9 \u00ab Deuxi\u00e8me pilier pour les ind\u00e9pendants travaillant seuls \u00bb (12.3981) a \u00e9t\u00e9 accept\u00e9 par le Conseil national il y a plus de 10 ans, et l\u2019article de loi concern\u00e9 \u00e9tait pr\u00e9vu dans une teneur identique et de mani\u00e8re incontest\u00e9e tant dans la r\u00e9forme Pr\u00e9voyance vieillesse 2020 que dans la LPP 21. 

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