Simulateur Pension Luxembourg \u2013 Omnitrust<\/title>\r\n<style>\r\n#ot-pen-root {\r\n --ot-pen-brand: #ff5800;\r\n --ot-pen-brand-dim: #ff580015;\r\n --ot-pen-brand-dark: #cc4600;\r\n --ot-pen-black: #0a0a0a;\r\n --ot-pen-black-soft: #1a1a1a;\r\n --ot-pen-white: #ffffff;\r\n --ot-pen-g50: #fafafa;\r\n --ot-pen-g100: #f5f5f5;\r\n --ot-pen-g200: #e5e5e5;\r\n --ot-pen-g300: #d4d4d4;\r\n --ot-pen-g400: #a3a3a3;\r\n --ot-pen-g500: #737373;\r\n --ot-pen-g600: #525252;\r\n --ot-pen-g700: #404040;\r\n --ot-pen-font-display: 'Instrument Serif', Georgia, serif;\r\n --ot-pen-font-body: 'Outfit', sans-serif;\r\n --ot-pen-font-mono: 'Geist Mono', 'SF Mono', monospace;\r\n --ot-pen-radius: 14px;\r\n --ot-pen-radius-sm: 8px;\r\n\r\n font-family: var(--ot-pen-font-body);\r\n color: var(--ot-pen-black);\r\n -webkit-font-smoothing: antialiased;\r\n max-width: 540px;\r\n margin: 0 auto;\r\n padding: 28px 18px 60px;\r\n line-height: 1.5;\r\n}\r\n\r\n\/* Reset scoped to root *\/\r\n#ot-pen-root *, #ot-pen-root *::before, #ot-pen-root *::after {\r\n box-sizing: border-box;\r\n\r\n}\r\n\r\n\/* \u2500\u2500 HEADER \u2500\u2500 *\/\r\n.ot-pen-hdr { text-align: center; margin-bottom: 28px; animation: otPenFadeUp .5s ease both; }\r\n.ot-pen-hdr-tag {\r\n display: inline-flex; align-items: center; gap: 7px;\r\n font-family: var(--ot-pen-font-mono); font-size: .65rem; font-weight: 600;\r\n text-transform: uppercase; letter-spacing: .12em; color: var(--ot-pen-brand);\r\n margin-bottom: 12px;\r\n}\r\n.ot-pen-hdr-tag::before {\r\n content: ''; width: 7px; height: 7px;\r\n background: var(--ot-pen-brand); border-radius: 2px;\r\n}\r\n.ot-pen-hdr h1 {\r\n font-family: var(--ot-pen-font-display); font-weight: 400;\r\n font-size: 1.9rem; line-height: 1.15; color: var(--ot-pen-black);\r\n margin: 0;\r\n}\r\n.ot-pen-hdr h1 em { font-style: italic; color: var(--ot-pen-brand); }\r\n.ot-pen-hdr-sub {\r\n margin-top: 6px; font-size: .78rem; color: var(--ot-pen-g500);\r\n font-weight: 300; line-height: 1.5;\r\n}\r\n\r\n\/* \u2500\u2500 STEPPER \u2500\u2500 *\/\r\n.ot-pen-stepper {\r\n display: flex; gap: 0; margin-bottom: 24px;\r\n animation: otPenFadeUp .5s ease .05s both;\r\n}\r\n.ot-pen-step {\r\n flex: 1; text-align: center; position: relative; cursor: default;\r\n}\r\n.ot-pen-step-bar {\r\n height: 3px; background: var(--ot-pen-g200); border-radius: 2px;\r\n margin-bottom: 8px; transition: background .3s;\r\n}\r\n.ot-pen-step.ot-pen-active .ot-pen-step-bar,\r\n.ot-pen-step.ot-pen-done .ot-pen-step-bar { background: var(--ot-pen-brand); }\r\n.ot-pen-step-label {\r\n font-size: .62rem; font-weight: 500; color: var(--ot-pen-g400);\r\n text-transform: uppercase; letter-spacing: .06em; transition: color .3s;\r\n}\r\n.ot-pen-step.ot-pen-active .ot-pen-step-label { color: var(--ot-pen-brand); font-weight: 600; }\r\n.ot-pen-step.ot-pen-done .ot-pen-step-label { color: var(--ot-pen-g600); }\r\n\r\n\/* \u2500\u2500 CARDS \u2500\u2500 *\/\r\n.ot-pen-card {\r\n background: var(--ot-pen-white); border: 1px solid var(--ot-pen-g200);\r\n border-radius: var(--ot-pen-radius); padding: 24px 22px;\r\n margin-bottom: 14px;\r\n animation: otPenFadeUp .45s ease both;\r\n}\r\n.ot-pen-card-tag {\r\n font-family: var(--ot-pen-font-mono); font-size: .6rem; font-weight: 600;\r\n text-transform: uppercase; letter-spacing: .1em; color: var(--ot-pen-g400);\r\n margin-bottom: 16px;\r\n}\r\n\r\n\/* \u2500\u2500 FIELDS \u2500\u2500 *\/\r\n.ot-pen-field { margin-bottom: 16px; }\r\n.ot-pen-field:last-child { margin-bottom: 0; }\r\n.ot-pen-field label {\r\n display: block; font-size: .78rem; font-weight: 500;\r\n color: var(--ot-pen-black-soft); margin-bottom: 5px;\r\n}\r\n.ot-pen-field input, .ot-pen-field select {\r\n width: 100%; padding: 10px 13px;\r\n font-family: var(--ot-pen-font-mono); font-size: .85rem;\r\n border: 1.5px solid var(--ot-pen-g200); border-radius: var(--ot-pen-radius-sm);\r\n background: var(--ot-pen-g50); color: var(--ot-pen-black);\r\n transition: border-color .2s, box-shadow .2s;\r\n -moz-appearance: textfield;\r\n}\r\n.ot-pen-field input::-webkit-inner-spin-button,\r\n.ot-pen-field input::-webkit-outer-spin-button { -webkit-appearance: none; }\r\n.ot-pen-field select { cursor: pointer; }\r\n.ot-pen-field input:focus, .ot-pen-field select:focus {\r\n outline: none; border-color: var(--ot-pen-brand);\r\n box-shadow: 0 0 0 3px var(--ot-pen-brand-dim); background: var(--ot-pen-white);\r\n}\r\n.ot-pen-hint {\r\n font-size: .66rem; color: var(--ot-pen-g400); margin-top: 4px; line-height: 1.4;\r\n}\r\n.ot-pen-row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }\r\n.ot-pen-row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; }\r\n\r\n\/* checkbox *\/\r\n.ot-pen-check {\r\n display: flex; align-items: center; gap: 10px;\r\n padding: 12px 0 0; font-size: .78rem; color: var(--ot-pen-g600);\r\n}\r\n.ot-pen-check input[type=checkbox] {\r\n width: 18px; height: 18px; accent-color: var(--ot-pen-brand);\r\n cursor: pointer; flex-shrink: 0;\r\n}\r\n\r\n\/* \u2500\u2500 BUTTONS \u2500\u2500 *\/\r\n.ot-pen-btns { display: flex; gap: 10px; margin-top: 8px; }\r\n.ot-pen-btn {\r\n flex: 1; padding: 12px 0; border: none; border-radius: var(--ot-pen-radius-sm);\r\n font-family: var(--ot-pen-font-body); font-size: .82rem; font-weight: 600;\r\n cursor: pointer; transition: background .2s, transform .1s;\r\n}\r\n.ot-pen-btn:active { transform: scale(.98); }\r\n.ot-pen-btn--primary { background: var(--ot-pen-brand); color: var(--ot-pen-white); }\r\n.ot-pen-btn--primary:hover { color: var(--ot-pen-white); background: var(--ot-pen-brand); }\r\n.ot-pen-btn--ghost {\r\n background: var(--ot-pen-white); color: var(--ot-pen-g500);\r\n border: 1px solid var(--ot-pen-g200);\r\n}\r\n.ot-pen-btn--ghost:hover { border-color: var(--ot-pen-g300); color: var(--ot-pen-black); }\r\n\r\n\/* \u2500\u2500 SECTION VISIBILITY \u2500\u2500 *\/\r\n.ot-pen-sec { display: none; }\r\n.ot-pen-sec.ot-pen-visible { display: block; }\r\n\r\n\/* \u2500\u2500 RESULT CARD \u2500\u2500 *\/\r\n.ot-pen-result {\r\n background: var(--ot-pen-black); border-radius: var(--ot-pen-radius);\r\n padding: 28px 22px 24px; position: relative; overflow: hidden;\r\n animation: otPenFadeUp .5s ease both;\r\n}\r\n.ot-pen-result::after {\r\n content: ''; position: absolute; top: 0; right: 0;\r\n width: 200px; height: 200px;\r\n background: radial-gradient(circle at top right, var(--ot-pen-brand) 0%, transparent 70%);\r\n opacity: .1; pointer-events: none;\r\n}\r\n.ot-pen-result-label {\r\n font-family: var(--ot-pen-font-mono); font-size: .6rem; font-weight: 600;\r\n text-transform: uppercase; letter-spacing: .12em; color: var(--ot-pen-g500);\r\n margin-bottom: 6px;\r\n}\r\n.ot-pen-result-amount {\r\n font-family: var(--ot-pen-font-display); font-size: 2.8rem;\r\n color: var(--ot-pen-white); line-height: 1; letter-spacing: -.02em;\r\n}\r\n.ot-pen-result-amount span { color: var(--ot-pen-brand); }\r\n.ot-pen-result-sub { font-size: .76rem; color: var(--ot-pen-g500); margin-top: 5px; font-weight: 300; }\r\n\r\n\/* breakdown *\/\r\n.ot-pen-bd { margin-top: 20px; border-top: 1px solid rgba(255,255,255,.07); padding-top: 14px; }\r\n.ot-pen-bd-row {\r\n display: flex; justify-content: space-between; align-items: baseline;\r\n padding: 6px 0;\r\n}\r\n.ot-pen-bd-row .ot-pen-bd-lbl { font-size: .73rem; color: var(--ot-pen-g500); font-weight: 300; }\r\n.ot-pen-bd-row .ot-pen-bd-val {\r\n font-family: var(--ot-pen-font-mono); font-size: .76rem;\r\n font-weight: 600; color: var(--ot-pen-g200);\r\n}\r\n.ot-pen-bd-row.ot-pen-accent .ot-pen-bd-val { color: var(--ot-pen-brand); }\r\n.ot-pen-bd-row.ot-pen-accent .ot-pen-bd-lbl { color: var(--ot-pen-g400); }\r\n.ot-pen-bd-sep { height: 1px; background: rgba(255,255,255,.05); margin: 3px 0; }\r\n\r\n\/* \u2500\u2500 CHART \u2500\u2500 *\/\r\n.ot-pen-chart {\r\n margin-top: 20px; border-top: 1px solid rgba(255,255,255,.07);\r\n padding-top: 18px;\r\n}\r\n.ot-pen-chart-bars { display: flex; align-items: flex-end; gap: 16px; height: 110px; padding: 0 10px; }\r\n.ot-pen-chart-col {\r\n flex: 1; display: flex; flex-direction: column; align-items: center;\r\n justify-content: flex-end; height: 100%;\r\n}\r\n.ot-pen-chart-bar {\r\n width: 100%; border-radius: 4px 4px 0 0;\r\n transition: height .6s cubic-bezier(.22,1,.36,1);\r\n min-height: 4px;\r\n}\r\n.ot-pen-chart-bar--forfait { background: var(--ot-pen-g500); }\r\n.ot-pen-chart-bar--prop { background: var(--ot-pen-brand); }\r\n.ot-pen-chart-bar--alloc { background: var(--ot-pen-brand); opacity: .5; }\r\n.ot-pen-chart-val {\r\n font-family: var(--ot-pen-font-mono); font-size: .65rem;\r\n font-weight: 600; color: var(--ot-pen-g200); margin-bottom: 4px;\r\n}\r\n.ot-pen-chart-lbl {\r\n font-size: .58rem; color: var(--ot-pen-g500); margin-top: 6px;\r\n text-align: center; line-height: 1.3;\r\n}\r\n\r\n\/* \u2500\u2500 ALERTS \u2500\u2500 *\/\r\n.ot-pen-alert {\r\n border-radius: var(--ot-pen-radius-sm); padding: 11px 14px;\r\n font-size: .73rem; line-height: 1.5; margin-bottom: 10px;\r\n}\r\n.ot-pen-alert strong { font-weight: 600; }\r\n.ot-pen-alert--warn { background: #fff7ed; border: 1px solid #fed7aa; color: #9a3412; }\r\n.ot-pen-alert--ok { background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; }\r\n.ot-pen-alert--info { background: var(--ot-pen-g100); border: 1px solid var(--ot-pen-g200); color: var(--ot-pen-g700); }\r\n\r\n\/* \u2500\u2500 TOGGLE \u2500\u2500 *\/\r\n.ot-pen-tog {\r\n display: flex; align-items: center; justify-content: center; gap: 6px;\r\n width: 100%; padding: 9px; font-family: var(--ot-pen-font-body);\r\n font-size: .73rem; font-weight: 500; color: var(--ot-pen-g500);\r\n background: none; border: 1px dashed var(--ot-pen-g200);\r\n border-radius: var(--ot-pen-radius-sm); cursor: pointer; margin-bottom: 14px;\r\n transition: color .2s, border-color .2s;\r\n}\r\n.ot-pen-tog:hover { color: var(--ot-pen-brand); border-color: var(--ot-pen-brand); }\r\n.ot-pen-tog-chevron {\r\n transition: transform .25s; font-size: .6rem; display: inline-block;\r\n}\r\n.ot-pen-tog.ot-pen-open .ot-pen-tog-chevron { transform: rotate(180deg); }\r\n.ot-pen-adv { display: none; }\r\n.ot-pen-adv.ot-pen-open { display: block; }\r\n\r\n\/* \u2500\u2500 DISCLAIMER \u2500\u2500 *\/\r\n.ot-pen-disc {\r\n background: var(--ot-pen-white); border: 1px solid var(--ot-pen-g200);\r\n border-radius: var(--ot-pen-radius-sm); padding: 14px 16px;\r\n font-size: .68rem; color: var(--ot-pen-g500); line-height: 1.6;\r\n margin-bottom: 14px;\r\n}\r\n.ot-pen-disc strong { color: var(--ot-pen-g700); }\r\n\r\n\/* \u2500\u2500 FOOTER \u2500\u2500 *\/\r\n.ot-pen-footer {\r\n text-align: center; padding: 18px 0 0;\r\n font-size: .62rem; color: var(--ot-pen-g400); line-height: 1.6;\r\n}\r\n.ot-pen-footer a { color: var(--ot-pen-brand); text-decoration: none; }\r\n.ot-pen-footer a:hover { text-decoration: underline; }\r\n\r\n\/* \u2500\u2500 TOOLTIP \u2500\u2500 *\/\r\n.ot-pen-tip {\r\n display: inline-flex; align-items: center; justify-content: center;\r\n width: 16px; height: 16px; border-radius: 50%;\r\n background: var(--ot-pen-g100); color: var(--ot-pen-g400);\r\n font-size: .55rem; font-weight: 700; cursor: help;\r\n margin-left: 4px; vertical-align: middle;\r\n position: relative;\r\n}\r\n.ot-pen-tip:hover { background: var(--ot-pen-brand-dim); color: var(--ot-pen-brand); }\r\n.ot-pen-tip-text {\r\n display: none; position: absolute; bottom: calc(100% + 8px); left: 50%;\r\n transform: translateX(-50%); width: 220px;\r\n background: var(--ot-pen-black); color: var(--ot-pen-g200);\r\n font-family: var(--ot-pen-font-body); font-size: .66rem; font-weight: 400;\r\n padding: 10px 12px; border-radius: var(--ot-pen-radius-sm);\r\n line-height: 1.4; z-index: 10;\r\n box-shadow: 0 8px 24px rgba(0,0,0,.25);\r\n}\r\n.ot-pen-tip-text::after {\r\n content: ''; position: absolute; top: 100%; left: 50%;\r\n transform: translateX(-50%);\r\n border: 5px solid transparent; border-top-color: var(--ot-pen-black);\r\n}\r\n.ot-pen-tip:hover .ot-pen-tip-text { display: block; }\r\n\r\n@keyframes otPenFadeUp {\r\n from { opacity: 0; transform: translateY(10px); }\r\n to { opacity: 1; transform: translateY(0); }\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div id=\"ot-pen-root\">\r\n\r\n \r\n <div class=\"ot-pen-hdr\">\r\n <div class=\"ot-pen-hdr-tag\">Simulateur Omnitrust<\/div>\r\n <h1>Estimez votre pension <em>de retraite<\/em><\/h1>\r\n <p class=\"ot-pen-hdr-sub\">L\u00e9gislation luxembourgeoise \u00b7 Code de la s\u00e9curit\u00e9 sociale, Livre III<\/p>\r\n <\/div>\r\n\r\n \r\n <div class=\"ot-pen-stepper\">\r\n <div class=\"ot-pen-step ot-pen-active\" data-step=\"0\">\r\n <div class=\"ot-pen-step-bar\"><\/div>\r\n <div class=\"ot-pen-step-label\">Profil<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-step\" data-step=\"1\">\r\n <div class=\"ot-pen-step-bar\"><\/div>\r\n <div class=\"ot-pen-step-label\">Carri\u00e8re<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-step\" data-step=\"2\">\r\n <div class=\"ot-pen-step-bar\"><\/div>\r\n <div class=\"ot-pen-step-label\">R\u00e9sultat<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"ot-pen-sec ot-pen-visible\" id=\"ot-pen-sec0\">\r\n <div class=\"ot-pen-card\">\r\n <div class=\"ot-pen-card-tag\">Informations personnelles<\/div>\r\n\r\n <div class=\"ot-pen-row2\">\r\n <div class=\"ot-pen-field\">\r\n <label>Mois de naissance<\/label>\r\n <select id=\"ot_pen_mois_naissance\">\r\n <option value=\"1\">Janvier<\/option><option value=\"2\">F\u00e9vrier<\/option>\r\n <option value=\"3\" selected>Mars<\/option><option value=\"4\">Avril<\/option>\r\n <option value=\"5\">Mai<\/option><option value=\"6\">Juin<\/option>\r\n <option value=\"7\">Juillet<\/option><option value=\"8\">Ao\u00fbt<\/option>\r\n <option value=\"9\">Septembre<\/option><option value=\"10\">Octobre<\/option>\r\n <option value=\"11\">Novembre<\/option><option value=\"12\">D\u00e9cembre<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Ann\u00e9e de naissance<\/label>\r\n <input type=\"number\" id=\"ot_pen_annee_naissance\" value=\"1980\" min=\"1950\" max=\"2010\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-field\">\r\n <label>Ann\u00e9es d'\u00e9tudes (18\u201327 ans)\r\n <span class=\"ot-pen-tip\">?<span class=\"ot-pen-tip-text\">Nombre total d'ann\u00e9es d'\u00e9tudes, r\u00e9ussies ou non, non indemnis\u00e9es, entre 18 et 27 ans. Comptent comme p\u00e9riodes compl\u00e9mentaires pour le stage.<\/span><\/span>\r\n <\/label>\r\n <select id=\"ot_pen_etudes\">\r\n <option value=\"0\">Pas d'\u00e9tudes<\/option>\r\n <option value=\"1\">1 an<\/option><option value=\"2\">2 ans<\/option>\r\n <option value=\"3\">3 ans<\/option><option value=\"4\">4 ans<\/option>\r\n <option value=\"5\" selected>5 ans<\/option><option value=\"6\">6 ans<\/option>\r\n <option value=\"7\">7 ans<\/option><option value=\"8\">8 ans<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-btns\">\r\n <button class=\"ot-pen-btn ot-pen-btn--primary\" onclick=\"otPenGoStep(1)\">Suivant \u2192<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"ot-pen-sec\" id=\"ot-pen-sec1\">\r\n <div class=\"ot-pen-card\">\r\n <div class=\"ot-pen-card-tag\">Votre carri\u00e8re au Luxembourg<\/div>\r\n\r\n <div class=\"ot-pen-field\">\r\n <label>Premier salaire brut mensuel (\u20ac)\r\n <span class=\"ot-pen-tip\">?<span class=\"ot-pen-tip-text\">Date et montant brut mensuel de votre premier salaire cotisable au Luxembourg.<\/span><\/span>\r\n <\/label>\r\n <\/div>\r\n <div class=\"ot-pen-row3\" style=\"margin-bottom:14px\">\r\n <div class=\"ot-pen-field\">\r\n <select id=\"ot_pen_mois_debut\">\r\n <option value=\"1\" selected>Jan<\/option><option value=\"2\">F\u00e9v<\/option>\r\n <option value=\"3\">Mar<\/option><option value=\"4\">Avr<\/option>\r\n <option value=\"5\">Mai<\/option><option value=\"6\">Jun<\/option>\r\n <option value=\"7\">Jul<\/option><option value=\"8\">Ao\u00fb<\/option>\r\n <option value=\"9\">Sep<\/option><option value=\"10\">Oct<\/option>\r\n <option value=\"11\">Nov<\/option><option value=\"12\">D\u00e9c<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <input type=\"number\" id=\"ot_pen_annee_debut\" value=\"2003\" min=\"1968\" max=\"2026\" placeholder=\"Ann\u00e9e\">\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <input type=\"number\" id=\"ot_pen_salaire_debut\" value=\"3200\" min=\"0\" step=\"100\" placeholder=\"Brut \u20ac\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-field\">\r\n <label>Dernier salaire brut mensuel (\u20ac)\r\n <span class=\"ot-pen-tip\">?<span class=\"ot-pen-tip-text\">Date et montant brut mensuel de votre dernier salaire cotisable per\u00e7u.<\/span><\/span>\r\n <\/label>\r\n <\/div>\r\n <div class=\"ot-pen-row3\" style=\"margin-bottom:14px\">\r\n <div class=\"ot-pen-field\">\r\n <select id=\"ot_pen_mois_fin\">\r\n <option value=\"1\">Jan<\/option><option value=\"2\">F\u00e9v<\/option>\r\n <option value=\"3\">Mar<\/option><option value=\"4\">Avr<\/option>\r\n <option value=\"5\" selected>Mai<\/option><option value=\"6\">Jun<\/option>\r\n <option value=\"7\">Jul<\/option><option value=\"8\">Ao\u00fb<\/option>\r\n <option value=\"9\">Sep<\/option><option value=\"10\">Oct<\/option>\r\n <option value=\"11\">Nov<\/option><option value=\"12\">D\u00e9c<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <input type=\"number\" id=\"ot_pen_annee_fin\" value=\"2025\" min=\"2000\" max=\"2060\" placeholder=\"Ann\u00e9e\">\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <input type=\"number\" id=\"ot_pen_salaire_fin\" value=\"6500\" min=\"0\" step=\"100\" placeholder=\"Brut \u20ac\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-row2\">\r\n <div class=\"ot-pen-field\">\r\n <label>13\u1d49 mois ?<\/label>\r\n <select id=\"ot_pen_13mois\">\r\n <option value=\"12\">Non (\u00d712)<\/option>\r\n <option value=\"13\" selected>Oui (\u00d713)<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>\u00c2ge de d\u00e9part vis\u00e9<\/label>\r\n <input type=\"number\" id=\"ot_pen_age_depart\" value=\"65\" min=\"57\" max=\"70\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-check\">\r\n <input type=\"checkbox\" id=\"ot_pen_continue\" checked>\r\n <label for=\"ot_pen_continue\" style=\"font-size:.76rem;cursor:pointer\">\r\n Je continue \u00e0 travailler au Luxembourg jusqu'\u00e0 la pension\r\n <span class=\"ot-pen-tip\">?<span class=\"ot-pen-tip-text\">Si coch\u00e9, vos salaires futurs sont projet\u00e9s (hypoth\u00e8se : dernier salaire maintenu, index\u00e9). Sinon, seule votre carri\u00e8re pass\u00e9e est prise en compte.<\/span><\/span>\r\n <\/label>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <button class=\"ot-pen-tog\" id=\"ot-pen-togAdv\" onclick=\"otPenToggleAdv()\">\r\n Mode avanc\u00e9 : saisir le total des revenus CNAP <span class=\"ot-pen-tog-chevron\">\u25bc<\/span>\r\n <\/button>\r\n <div class=\"ot-pen-adv\" id=\"ot-pen-advPanel\">\r\n <div class=\"ot-pen-card\">\r\n <div class=\"ot-pen-card-tag\">Saisie directe (relev\u00e9 CNAP)<\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Total des revenus cotisables (\u20ac)\r\n <span class=\"ot-pen-tip\">?<span class=\"ot-pen-tip-text\">Cumul brut de tous vos salaires cotisables depuis le d\u00e9but de votre carri\u00e8re. Disponible sur votre relev\u00e9 de compte individuel CNAP.<\/span><\/span>\r\n <\/label>\r\n <input type=\"number\" id=\"ot_pen_total_direct\" value=\"\" placeholder=\"Ex: 2 400 000\" step=\"1000\">\r\n <div class=\"ot-pen-hint\">Si renseign\u00e9, ce montant remplace l'estimation bas\u00e9e sur vos salaires ci-dessus.<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Ann\u00e9es de carri\u00e8re effectives<\/label>\r\n <input type=\"number\" id=\"ot_pen_annees_direct\" value=\"\" placeholder=\"Ex: 40\" min=\"0\" max=\"55\">\r\n <div class=\"ot-pen-hint\">Si renseign\u00e9, remplace le calcul automatique.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <button class=\"ot-pen-tog\" id=\"ot-pen-togParams\" onclick=\"otPenToggleParams()\">\r\n Param\u00e8tres techniques CNAP <span class=\"ot-pen-tog-chevron\">\u25bc<\/span>\r\n <\/button>\r\n <div class=\"ot-pen-adv\" id=\"ot-pen-paramsPanel\">\r\n <div class=\"ot-pen-card\">\r\n <div class=\"ot-pen-card-tag\">Param\u00e8tres de calcul<\/div>\r\n <div class=\"ot-pen-row2\">\r\n <div class=\"ot-pen-field\">\r\n <label>Coeff. r\u00e9ajustement<\/label>\r\n <input type=\"number\" id=\"ot_pen_coeff\" value=\"1.570\" step=\"0.001\">\r\n <div class=\"ot-pen-hint\">Revalorise les cotisations pass\u00e9es<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Forfait max (\u20ac\/mois)<\/label>\r\n <input type=\"number\" id=\"ot_pen_forfait\" value=\"604.98\" step=\"0.01\">\r\n <div class=\"ot-pen-hint\">Pour 40 ans de stage<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"ot-pen-row3\">\r\n <div class=\"ot-pen-field\">\r\n <label>Taux base (%)<\/label>\r\n <input type=\"number\" id=\"ot_pen_taux\" value=\"1.85\" step=\"0.01\">\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Seuil bonus<\/label>\r\n <input type=\"number\" id=\"ot_pen_seuil\" value=\"93\">\r\n <div class=\"ot-pen-hint\">\u00e2ge + carri\u00e8re<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-field\">\r\n <label>Taux max (%)<\/label>\r\n <input type=\"number\" id=\"ot_pen_taux_max\" value=\"2.05\" step=\"0.01\">\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-btns\">\r\n <button class=\"ot-pen-btn ot-pen-btn--ghost\" onclick=\"otPenGoStep(0)\">\u2190 Retour<\/button>\r\n <button class=\"ot-pen-btn ot-pen-btn--primary\" onclick=\"otPenGoStep(2)\">Calculer ma pension \u2192<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"ot-pen-sec\" id=\"ot-pen-sec2\">\r\n\r\n <div class=\"ot-pen-result\">\r\n <div class=\"ot-pen-result-label\">Estimation mensuelle brute<\/div>\r\n <div class=\"ot-pen-result-amount\" id=\"ot_pen_out_total\">\u2013 <span>\u20ac<\/span><\/div>\r\n <div class=\"ot-pen-result-sub\" id=\"ot_pen_out_sub\"><\/div>\r\n\r\n <div class=\"ot-pen-chart\">\r\n <div class=\"ot-pen-chart-bars\">\r\n <div class=\"ot-pen-chart-col\">\r\n <div class=\"ot-pen-chart-val\" id=\"ot_pen_cv_forfait\">\u2013<\/div>\r\n <div class=\"ot-pen-chart-bar ot-pen-chart-bar--forfait\" id=\"ot_pen_cb_forfait\" style=\"height:4px\"><\/div>\r\n <div class=\"ot-pen-chart-lbl\">Part<br>forfaitaire<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-chart-col\">\r\n <div class=\"ot-pen-chart-val\" id=\"ot_pen_cv_prop\">\u2013<\/div>\r\n <div class=\"ot-pen-chart-bar ot-pen-chart-bar--prop\" id=\"ot_pen_cb_prop\" style=\"height:4px\"><\/div>\r\n <div class=\"ot-pen-chart-lbl\">Part<br>proportionnelle<\/div>\r\n <\/div>\r\n <div class=\"ot-pen-chart-col\">\r\n <div class=\"ot-pen-chart-val\" id=\"ot_pen_cv_13e\">\u2013<\/div>\r\n <div class=\"ot-pen-chart-bar ot-pen-chart-bar--alloc\" id=\"ot_pen_cb_13e\" style=\"height:4px\"><\/div>\r\n <div class=\"ot-pen-chart-lbl\">13\u1d49 mois<br>(mensuel.)<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-bd\">\r\n <div class=\"ot-pen-bd-row\">\r\n <span class=\"ot-pen-bd-lbl\">Part forfaitaire<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_forfait\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-row\">\r\n <span class=\"ot-pen-bd-lbl\">Part proportionnelle<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_prop\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-row\">\r\n <span class=\"ot-pen-bd-lbl\">Taux appliqu\u00e9<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_taux\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-row\">\r\n <span class=\"ot-pen-bd-lbl\">Total revenus (r\u00e9ajust\u00e9s)<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_revenus\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-row\">\r\n <span class=\"ot-pen-bd-lbl\">Ann\u00e9es de carri\u00e8re<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_annees\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-sep\"><\/div>\r\n <div class=\"ot-pen-bd-row ot-pen-accent\">\r\n <span class=\"ot-pen-bd-lbl\">Alloc. fin d'ann\u00e9e (13\u1d49)<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_13e\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"ot-pen-bd-row ot-pen-accent\">\r\n <span class=\"ot-pen-bd-lbl\">Total annuel brut (13 mois)<\/span>\r\n <span class=\"ot-pen-bd-val\" id=\"ot_pen_out_annual\">\u2013<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div id=\"ot-pen-alerts\"><\/div>\r\n\r\n <div class=\"ot-pen-disc\">\r\n <strong>Remarques<\/strong> \u2014 Cette simulation est indicative et non contractuelle. Elle se base sur la l\u00e9gislation luxembourgeoise en vigueur (site CNAP). Le calcul repose sur les informations saisies et l'hypoth\u00e8se que votre dernier salaire est maintenu jusqu'\u00e0 la pension, index\u00e9 au co\u00fbt de la vie actuel. Aucune donn\u00e9e n'est conserv\u00e9e.\r\n <\/div>\r\n\r\n <div class=\"ot-pen-btns\">\r\n <button class=\"ot-pen-btn ot-pen-btn--ghost\" onclick=\"otPenGoStep(1)\">\u2190 Modifier<\/button>\r\n <button class=\"ot-pen-btn ot-pen-btn--primary\" onclick=\"window.print()\">Imprimer<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"ot-pen-footer\">\r\n Sources : <a href=\"https:\/\/www.cnap.lu\" target=\"_blank\" rel=\"noopener\">cnap.lu<\/a> \u00b7 Code de la s\u00e9curit\u00e9 sociale, Livre III \u00b7 Loi modifi\u00e9e du 28 juillet 2000\r\n <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function() {\r\n const $ = id => document.getElementById(id);\r\n const fmt = n => Math.round(n).toLocaleString('fr-FR');\r\n\r\n \/\/ \u2500\u2500 NAVIGATION \u2500\u2500\r\n window.otPenGoStep = function(s) {\r\n if (s === 2) otPenCalc();\r\n for (let i = 0; i < 3; i++) {\r\n $('ot-pen-sec' + i).classList.remove('ot-pen-visible');\r\n document.querySelectorAll('.ot-pen-step')[i].classList.remove('ot-pen-active', 'ot-pen-done');\r\n }\r\n for (let i = 0; i < s; i++) document.querySelectorAll('.ot-pen-step')[i].classList.add('ot-pen-done');\r\n document.querySelectorAll('.ot-pen-step')[s].classList.add('ot-pen-active');\r\n $('ot-pen-sec' + s).classList.add('ot-pen-visible');\r\n $('ot-pen-sec' + s).style.animation = 'none';\r\n void $('ot-pen-sec' + s).offsetHeight;\r\n $('ot-pen-sec' + s).style.animation = 'otPenFadeUp .4s ease both';\r\n window.scrollTo({ top: 0, behavior: 'smooth' });\r\n };\r\n\r\n \/\/ \u2500\u2500 TOGGLES \u2500\u2500\r\n window.otPenToggleAdv = function() {\r\n $('ot-pen-advPanel').classList.toggle('ot-pen-open');\r\n $('ot-pen-togAdv').classList.toggle('ot-pen-open');\r\n };\r\n window.otPenToggleParams = function() {\r\n $('ot-pen-paramsPanel').classList.toggle('ot-pen-open');\r\n $('ot-pen-togParams').classList.toggle('ot-pen-open');\r\n };\r\n\r\n \/\/ \u2500\u2500 CALCULATION \u2500\u2500\r\n function otPenCalc() {\r\n const naissanceAnnee = parseInt($('ot_pen_annee_naissance').value) || 1980;\r\n const etudes = parseInt($('ot_pen_etudes').value) || 0;\r\n const anneeDebut = parseInt($('ot_pen_annee_debut').value) || 2003;\r\n const moisDebut = parseInt($('ot_pen_mois_debut').value) || 1;\r\n const salaireDebut = parseFloat($('ot_pen_salaire_debut').value) || 0;\r\n const anneeFin = parseInt($('ot_pen_annee_fin').value) || 2025;\r\n const moisFin = parseInt($('ot_pen_mois_fin').value) || 5;\r\n const salaireFin = parseFloat($('ot_pen_salaire_fin').value) || 0;\r\n const nbMois = parseInt($('ot_pen_13mois').value) || 12;\r\n const ageDepart = parseInt($('ot_pen_age_depart').value) || 65;\r\n const continuer = $('ot_pen_continue').checked;\r\n\r\n const coeff = parseFloat($('ot_pen_coeff').value) || 1.570;\r\n const forfaitMax = parseFloat($('ot_pen_forfait').value) || 604.98;\r\n const tauxBase = (parseFloat($('ot_pen_taux').value) || 1.85) \/ 100;\r\n const seuil = parseInt($('ot_pen_seuil').value) || 93;\r\n const tauxPlafond = (parseFloat($('ot_pen_taux_max').value) || 2.05) \/ 100;\r\n\r\n const directTotal = parseFloat($('ot_pen_total_direct').value);\r\n const directAnnees = parseFloat($('ot_pen_annees_direct').value);\r\n\r\n let totalRevenus, annees;\r\n\r\n if (directTotal > 0 && directAnnees > 0) {\r\n totalRevenus = directTotal;\r\n annees = directAnnees;\r\n } else {\r\n const moisPassesDebut = anneeDebut * 12 + (moisDebut - 1);\r\n const moisPassesFin = anneeFin * 12 + (moisFin - 1);\r\n const moisCarrierePasses = Math.max(0, moisPassesFin - moisPassesDebut + 1);\r\n const salaireMoyenPasse = (salaireDebut + salaireFin) \/ 2;\r\n let totalPasse = salaireMoyenPasse * moisCarrierePasses * (nbMois \/ 12);\r\n\r\n let moisCarriereFuturs = 0;\r\n let totalFutur = 0;\r\n\r\n if (continuer) {\r\n const anneePension = naissanceAnnee + ageDepart;\r\n const now = new Date();\r\n const moisPension = anneePension * 12;\r\n moisCarriereFuturs = Math.max(0, moisPension - moisPassesFin - 1);\r\n totalFutur = salaireFin * moisCarriereFuturs * (nbMois \/ 12);\r\n }\r\n\r\n totalRevenus = totalPasse + totalFutur;\r\n annees = (moisCarrierePasses + moisCarriereFuturs) \/ 12;\r\n }\r\n\r\n const anneesStage = annees + etudes;\r\n\r\n \/* 1. PART FORFAITAIRE *\/\r\n const partF = forfaitMax * (Math.min(anneesStage, 40) \/ 40);\r\n\r\n \/* 2. PART PROPORTIONNELLE *\/\r\n let taux = tauxBase;\r\n const somme = ageDepart + annees;\r\n if (somme > seuil) {\r\n taux = Math.min(taux + ((somme - seuil) * 0.0001), tauxPlafond);\r\n }\r\n const partP = (totalRevenus * coeff * taux) \/ 12;\r\n\r\n \/* 3. TOTAUX *\/\r\n const mensuel = partF + partP;\r\n const annuel = mensuel * 12;\r\n const alloc13 = mensuel;\r\n const totalAn = annuel + alloc13;\r\n\r\n \/* DISPLAY *\/\r\n $('ot_pen_out_total').innerHTML = fmt(mensuel) + ' <span>\u20ac<\/span>';\r\n $('ot_pen_out_sub').textContent = 'soit ' + fmt(annuel) + ' \u20ac brut \/ an sur 12 mois';\r\n $('ot_pen_out_forfait').textContent = fmt(partF) + ' \u20ac \/ mois';\r\n $('ot_pen_out_prop').textContent = fmt(partP) + ' \u20ac \/ mois';\r\n $('ot_pen_out_taux').textContent = (taux * 100).toFixed(3) + ' %';\r\n $('ot_pen_out_revenus').textContent = fmt(totalRevenus) + ' \u20ac';\r\n $('ot_pen_out_annees').textContent = annees.toFixed(1) + ' ans' + (etudes > 0 ? ' (+' + etudes + ' \u00e9tudes)' : '');\r\n $('ot_pen_out_13e').textContent = '\u2248 ' + fmt(alloc13) + ' \u20ac \/ an';\r\n $('ot_pen_out_annual').textContent = fmt(totalAn) + ' \u20ac';\r\n\r\n \/* CHART *\/\r\n const maxVal = Math.max(partF, partP, alloc13 \/ 12, 1);\r\n const maxH = 80;\r\n setTimeout(() => {\r\n $('ot_pen_cb_forfait').style.height = Math.max(4, (partF \/ maxVal) * maxH) + 'px';\r\n $('ot_pen_cb_prop').style.height = Math.max(4, (partP \/ maxVal) * maxH) + 'px';\r\n $('ot_pen_cb_13e').style.height = Math.max(4, ((alloc13 \/ 12) \/ maxVal) * maxH) + 'px';\r\n }, 100);\r\n $('ot_pen_cv_forfait').textContent = fmt(partF) + ' \u20ac';\r\n $('ot_pen_cv_prop').textContent = fmt(partP) + ' \u20ac';\r\n $('ot_pen_cv_13e').textContent = fmt(Math.round(alloc13 \/ 12)) + ' \u20ac';\r\n\r\n \/* ALERTS *\/\r\n let html = '';\r\n if (annees < 10 && etudes + annees < 10) {\r\n html += mkAl('ot-pen-alert--warn', '\u26a0 Il faut au minimum <strong>120 mois (10 ans)<\/strong> de p\u00e9riodes d\\'assurance pour ouvrir le droit \u00e0 pension.');\r\n }\r\n if (ageDepart < 57) {\r\n html += mkAl('ot-pen-alert--warn', '\u26a0 L\\'\u00e2ge minimum est de <strong>57 ans<\/strong> (avec 40 ans de cotisation effective).');\r\n } else if (ageDepart < 60 && annees < 40) {\r\n html += mkAl('ot-pen-alert--warn', '\u26a0 Avant 60 ans \u2192 <strong>40 ans de cotisation effective<\/strong> requis pour la pension anticip\u00e9e.');\r\n } else if (ageDepart < 65 && anneesStage < 40) {\r\n html += mkAl('ot-pen-alert--warn', '\u26a0 Avant 65 ans \u2192 <strong>40 ans d\\'assurance<\/strong> (cotisations + compl\u00e9mentaires) requis.');\r\n }\r\n if (somme > seuil) {\r\n const b = somme - seuil;\r\n html += mkAl('ot-pen-alert--ok', '\u2713 Majoration : ' + ageDepart + ' + ' + Math.round(annees) + ' = ' + Math.round(somme) + ' > ' + seuil + ' \u2192 <strong>+' + b.toFixed(0) + ' \u00d7 0,01 %<\/strong> \u2192 taux ' + (taux*100).toFixed(3) + ' %');\r\n }\r\n html += mkAl('ot-pen-alert--info', 'La CNAP verse <strong>13 mensualit\u00e9s\/an<\/strong> (12 pensions + 1 allocation de fin d\\'ann\u00e9e).');\r\n if (etudes > 0) {\r\n html += mkAl('ot-pen-alert--info', '<strong>' + etudes + ' ann\u00e9e(s) d\\'\u00e9tudes<\/strong> comptabilis\u00e9e(s) comme p\u00e9riodes compl\u00e9mentaires pour le stage (part forfaitaire). Elles n\\'augmentent pas la part proportionnelle.');\r\n }\r\n $('ot-pen-alerts').innerHTML = html;\r\n }\r\n\r\n function mkAl(cls, msg) {\r\n return '<div class=\"ot-pen-alert ' + cls + '\">' + msg + '<\/div>';\r\n }\r\n})();\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32043a5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"32043a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>Avertissement : Ce simulateur fournit une estimation bas\u00e9e sur les param\u00e8tres l\u00e9gaux de 2026 (indice 968,04). Seul le calcul officiel r\u00e9alis\u00e9 par la CNAP lors de votre demande de mise \u00e0 la retraite fait foi.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28d9571 e-flex e-con-boxed e-con e-parent\" data-id=\"28d9571\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ae9055 elementor-widget elementor-widget-heading\" data-id=\"8ae9055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les r\u00e8gles de la retraite au Luxembourg en 2026<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa3f91 elementor-widget elementor-widget-text-editor\" data-id=\"efa3f91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le syst\u00e8me luxembourgeois repose sur un r\u00e9gime par r\u00e9partition, g\u00e9r\u00e9 par la <b data-path-to-node=\"8\" data-index-in-node=\"76\">Caisse Nationale d\u2019Assurance Pension (CNAP)<\/b>. Pour comprendre le montant affich\u00e9 par notre calculateur, voici les piliers du calcul actuel :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa799f9 elementor-widget elementor-widget-heading\" data-id=\"fa799f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Les conditions de d\u00e9part<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b44368 elementor-widget elementor-widget-text-editor\" data-id=\"9b44368\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"10\">L’\u00e2ge l\u00e9gal reste fix\u00e9 \u00e0 <b data-path-to-node=\"10\" data-index-in-node=\"25\">65 ans<\/b>, sous r\u00e9serve d’avoir cotis\u00e9 au moins 10 ans (120 mois). Cependant, la retraite anticip\u00e9e est tr\u00e8s courante :<\/p><ul data-path-to-node=\"11\"><li><p data-path-to-node=\"11,0,0\"><b data-path-to-node=\"11,0,0\" data-index-in-node=\"0\">\u00c0 57 ans :<\/b> Si vous justifiez de 480 mois (40 ans) de cotisations obligatoires.<\/p><\/li><li><p data-path-to-node=\"11,1,0\"><b data-path-to-node=\"11,1,0\" data-index-in-node=\"0\">\u00c0 60 ans :<\/b> Si vous justifiez de 480 mois de p\u00e9riodes d’assurance (dont au moins 120 mois de cotisations obligatoires).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba48322 elementor-widget elementor-widget-heading\" data-id=\"ba48322\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Le calcul de la pension : Forfaits et Majorations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5321f elementor-widget elementor-widget-text-editor\" data-id=\"0c5321f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"14\">La pension luxembourgeoise se compose de deux \u00e9l\u00e9ments cumul\u00e9s :<\/p><ul data-path-to-node=\"15\"><li><p data-path-to-node=\"15,0,0\"><b data-path-to-node=\"15,0,0\" data-index-in-node=\"0\">Les majorations forfaitaires :<\/b> Elles d\u00e9pendent uniquement de la dur\u00e9e de votre carri\u00e8re (votre \u00ab\u00a0stage\u00a0\u00bb). Pour une carri\u00e8re compl\u00e8te de 40 ans, le montant forfaitaire est de <b data-path-to-node=\"15,0,0\" data-index-in-node=\"173\">662,15 \u20ac<\/b> par mois (indice 968,04 au 01\/01\/2026).<\/p><\/li><li><p data-path-to-node=\"15,1,0\"><b data-path-to-node=\"15,1,0\" data-index-in-node=\"0\">Les majorations proportionnelles :<\/b> Elles sont calcul\u00e9es sur la somme de tous vos salaires bruts cotisables durant toute votre carri\u00e8re, r\u00e9\u00e9valu\u00e9s au co\u00fbt de la vie actuel. En 2026, le taux de base est de <b data-path-to-node=\"15,1,0\" data-index-in-node=\"204\">1,763 %<\/b>, mais il peut augmenter si vous travaillez au-del\u00e0 de 60 ans.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9e33cc elementor-widget elementor-widget-heading\" data-id=\"a9e33cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenir un relev\u00e9 de carri\u00e8re<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-900c9d0 elementor-widget elementor-widget-text-editor\" data-id=\"900c9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Votre relev\u00e9 de carri\u00e8re r\u00e9capitule ann\u00e9e par ann\u00e9e tous les revenus sur lesquels vous avez cotis\u00e9 depuis le d\u00e9but de votre activit\u00e9. C’est gr\u00e2ce \u00e0 lui que vous obtiendrez votre total des revenus cotisables.<\/p><p>Voici les deux moyens principaux pour vous le procurer :<\/p><h3>1. Via le portail MyGuichet.lu (Le plus rapide)<\/h3><p>C’est la m\u00e9thode la plus simple si vous avez un produit LuxTrust (GouvID, Token, application mobile) :<\/p><ul data-path-to-node=\"4\"><li><p data-path-to-node=\"4,0,0\">Connectez-vous \u00e0 votre <b data-path-to-node=\"4,0,0\" data-index-in-node=\"23\">Espace Priv\u00e9<\/b> sur <a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https:\/\/myguichet.public.lu&authuser=1\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjst4X44_GTAxUAAAAAHQAAAAAQiAI\">MyGuichet.lu<\/a>.<\/p><\/li><li><p data-path-to-node=\"4,1,0\">Allez dans l’onglet <b data-path-to-node=\"4,1,0\" data-index-in-node=\"20\">\u00ab\u00a0Mes donn\u00e9es\u00a0\u00bb<\/b>.<\/p><\/li><li><p data-path-to-node=\"4,2,0\">Cherchez la section <b data-path-to-node=\"4,2,0\" data-index-in-node=\"20\">\u00ab\u00a0S\u00e9curit\u00e9 sociale\u00a0\u00bb<\/b>, puis <b data-path-to-node=\"4,2,0\" data-index-in-node=\"45\">\u00ab\u00a0Pension\u00a0\u00bb<\/b>.<\/p><\/li><li><p data-path-to-node=\"4,3,0\">Vous pourrez y consulter et t\u00e9l\u00e9charger votre extrait de carri\u00e8re complet au format PDF. Les revenus y sont list\u00e9s ann\u00e9e par ann\u00e9e.<\/p><\/li><\/ul><h3 data-path-to-node=\"5\">2. Aupr\u00e8s de la CNAP (Caisse Nationale d’Assurance Pension)<\/h3><p data-path-to-node=\"6\">Si vous n’avez pas d’acc\u00e8s num\u00e9rique, vous pouvez demander le document directement \u00e0 l’administration :<\/p><ul data-path-to-node=\"7\"><li><p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">Par formulaire en ligne :<\/b> Sur le site <a class=\"ng-star-inserted\" href=\"https:\/\/cnap.public.lu\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjst4X44_GTAxUAAAAAHQAAAAAQiQI\">cnap.lu<\/a>, il existe un formulaire de contact pour demander un \u00ab\u00a0relev\u00e9 de carri\u00e8re\u00a0\u00bb.<\/p><\/li><li><p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">Par courrier ou t\u00e9l\u00e9phone :<\/b> Vous pouvez les contacter en indiquant votre num\u00e9ro de s\u00e9curit\u00e9 sociale luxembourgeois (le matricule \u00e0 13 chiffres). Le document vous sera envoy\u00e9 par voie postale \u00e0 votre adresse officielle.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5308b40 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"5308b40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"584\" src=\"https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-1024x747.png\" class=\"attachment-large size-large wp-image-4995\" alt=\"calculatrice de pension de retraite\" srcset=\"https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-1024x747.png 1024w, https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-300x219.png 300w, https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-768x560.png 768w, https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-1536x1121.png 1536w, https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-2048x1494.png 2048w, https:\/\/www.omnitrust.lu\/wp-content\/uploads\/2026\/04\/Group-10-4-1-16x12.png 16w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c028e83 e-flex e-con-boxed e-con e-parent\" data-id=\"c028e83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44b04dd elementor-widget elementor-widget-heading\" data-id=\"44b04dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a399313 elementor-widget elementor-widget-n-accordion\" data-id=\"a399313\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"default_state":"expanded","max_items_expended":"one","n_accordion_animation_duration":{"unit":"ms","size":400,"sizes":[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1710\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1710\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est le montant de la pension minimum en 2026 ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1710\" class=\"elementor-element elementor-element-da52d56 e-con-full e-flex e-con e-child\" data-id=\"da52d56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e944148 elementor-widget elementor-widget-text-editor\" data-id=\"e944148\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"20\">Pour une carri\u00e8re compl\u00e8te de 40 ans, la pension minimale garantie au Luxembourg est de <b data-path-to-node=\"24\" data-index-in-node=\"88\">2 376,62 \u20ac brut<\/b> par mois (au 1er janvier 2026). Si vous avez cotis\u00e9 entre 20 et 39 ans, ce minimum est r\u00e9duit proportionnellement (1\/40e par ann\u00e9e manquante).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1711\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1711\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment sont impos\u00e9es les retraites au Luxembourg ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1711\" class=\"elementor-element elementor-element-b9e3d6d e-con-full e-flex e-con e-child\" data-id=\"b9e3d6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d9c187 elementor-widget elementor-widget-text-editor\" data-id=\"0d9c187\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"20\">Les pensions sont soumises \u00e0 l’imp\u00f4t sur le revenu comme les salaires, mais b\u00e9n\u00e9ficient d’abattements sp\u00e9cifiques (cr\u00e9dit d’imp\u00f4t retrait\u00e9). Pour les frontaliers, l’imposition d\u00e9pend des conventions fiscales entre le Luxembourg et votre pays de r\u00e9sidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1712\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1712\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on cumuler retraite et activit\u00e9 professionnelle ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1712\" class=\"elementor-element elementor-element-31968bd e-con-full e-flex e-con e-child\" data-id=\"31968bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c7e438 elementor-widget elementor-widget-text-editor\" data-id=\"1c7e438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"20\">Oui, mais avec des r\u00e8gles strictes en cas de <b data-path-to-node=\"28\" data-index-in-node=\"45\">retraite anticip\u00e9e<\/b>. Si vos revenus professionnels d\u00e9passent un certain seuil (1\/3 du salaire social minimum), votre pension peut \u00eatre r\u00e9duite ou suspendue. \u00c0 partir de 65 ans, le cumul est totalement libre et sans plafond.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1713\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1713\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qu'est-ce que la \"Pension Progressive\" lanc\u00e9e en 2026 ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1713\" class=\"elementor-element elementor-element-22079a8 e-flex e-con-boxed e-con e-child\" data-id=\"22079a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86dcbd0 elementor-widget elementor-widget-text-editor\" data-id=\"86dcbd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"20\">C\u2019est la grande nouveaut\u00e9 : un salari\u00e9 \u00e9ligible \u00e0 la retraite anticip\u00e9e peut d\u00e9sormais choisir, avec l’accord de son employeur, de r\u00e9duire son temps de travail tout en percevant une partie de sa pension. Cela permet une transition douce vers l’arr\u00eat total de l’activit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90d553a elementor-widget elementor-widget-heading\" data-id=\"90d553a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9couvrez nos autres calculatrices en ligne<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24d8ff5 e-con-full e-flex e-con e-child\" data-id=\"24d8ff5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-aca5ff4 e-con-full e-flex e-con e-child\" data-id=\"aca5ff4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/www.omnitrust.lu\/cout-employeur\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4c87a5 elementor-widget elementor-widget-heading\" data-id=\"f4c87a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculatrice de co\u00fbt d'un salari\u00e9 pour l'employeur<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-8ba7df9 e-con-full e-flex e-con e-child\" data-id=\"8ba7df9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/omnitrust.lu\/simu-licenciement\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d13647 elementor-widget elementor-widget-heading\" data-id=\"3d13647\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-metadata=\"\"><\/span>Calculatrice d'indemnit\u00e9s de licenciement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-b055d3f e-con-full e-flex e-con e-child\" data-id=\"b055d3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/www.omnitrust.lu\/simulateur-eligibilite-aides-2026\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ea39a elementor-widget elementor-widget-heading\" data-id=\"41ea39a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Simulateur d'\u00e9ligibilit\u00e9 aux aides aux entreprises<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-668a746 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"668a746\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-e5b2e5c e-con-full e-flex e-con e-child\" data-id=\"e5b2e5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/omnitrust.lu\/calculatrice-net\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d5a945 elementor-widget elementor-widget-heading\" data-id=\"5d5a945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculatrice de salaire net<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-c2f0391 e-con-full e-flex e-con e-child\" data-id=\"c2f0391\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/omnitrust.lu\/simu-licenciement\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t<div class=\"elementor-element elementor-element-064937c elementor-widget elementor-widget-heading\" data-id=\"064937c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-metadata=\"\"><\/span>Calculatrice d'indemnit\u00e9s de licenciement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-a7c64ab e-con-full e-flex e-con e-child\" data-id=\"a7c64ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\" href=\"https:\/\/omnitrust.lu\/v2-avantages-nature\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1abf9ce elementor-widget elementor-widget-heading\" data-id=\"1abf9ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Simulateur d'avantages en nature\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aad2eed e-flex e-con-boxed e-con e-parent\" data-id=\"aad2eed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ffabf8 elementor-widget elementor-widget-heading\" data-id=\"8ffabf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OmniTrust : Votre partenaire pour une retraite sereine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe28aeb elementor-widget elementor-widget-text-editor\" data-id=\"fe28aeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En tant que cabinet d’expert-comptable et fiduciaire au Luxembourg, <b data-path-to-node=\"36\" data-index-in-node=\"68\">OmniTrust<\/b> ne se contente pas de chiffres : nous accompagnons les dirigeants et ind\u00e9pendants dans l’optimisation de leur sortie de carri\u00e8re.<\/p><p>La retraite ne doit pas se subir, mais se pr\u00e9parer. Que vous soyez \u00e0 5 ou 20 ans de la fin de votre carri\u00e8re, nous vous aidons \u00e0\u00a0prendre les bonnes d\u00e9cisions financi\u00e8res d\u00e8s maintenant.<\/p><p>\u00a0<\/p><p>D\u00e9couvrez <a href=\"https:\/\/omnitrust.lu\/services\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">nos services<\/span><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eef92c e-con-full e-flex e-con e-parent\" data-id=\"5eef92c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4883f46 e-con-full e-flex e-con e-child\" data-id=\"4883f46\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t<div class=\"elementor-element elementor-element-140f2d4 e-con-full e-flex e-con e-child\" data-id=\"140f2d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4d2336 elementor-widget elementor-widget-heading\" data-id=\"f4d2336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span data-metadata=\"\"><\/span><span data-buffer=\"\"><\/span>Discutons de votre projet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd8416 elementor-widget elementor-widget-text-editor\" data-id=\"0bd8416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"white-space-collapse: preserve;\">Vous avez une question, un besoin sp\u00e9cifique ou un projet en cours ?<\/span><\/p><p><span style=\"white-space-collapse: preserve;\">Remplissez le formulaire : notre \u00e9quipe vous r\u00e9pondra sous 24h pour organiser un premier \u00e9change, sans engagement, et en toute confidentialit\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58b0f0d elementor-button-align-end elementor-widget elementor-widget-form\" data-id=\"58b0f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"step_next_label":"Suivant","step_previous_label":"Pr\\u00e9c\\u00e9dent","step_type":"progress_bar","button_width":"100"}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nouveau formulaire\" aria-label=\"Nouveau formulaire\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"4970\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"58b0f0d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-step elementor-field-group elementor-column elementor-field-group-field_1e811db elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"e-field-step elementor-hidden\" data-label=\"\" data-previousButton=\"\" data-nextButton=\"\" data-iconUrl=\"\" data-iconLibrary=\"fas fa-star\" data-icon=\"<svg class="e-font-icon-svg e-fas-star" viewBox="0 0 576 512" xmlns="http:\/\/www.w3.org\/2000\/svg"><path d="M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z"><\/path><\/svg>\" ><\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_4bd1d46 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_4bd1d46\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tCivilit\u00e9\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"M\" id=\"form-field-field_4bd1d46-0\" name=\"form_fields[field_4bd1d46][]\"> <label for=\"form-field-field_4bd1d46-0\">M<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Mme\" id=\"form-field-field_4bd1d46-1\" name=\"form_fields[field_4bd1d46][]\"> <label for=\"form-field-field_4bd1d46-1\">Mme<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Autre\" id=\"form-field-field_4bd1d46-2\" name=\"form_fields[field_4bd1d46][]\"> <label for=\"form-field-field_4bd1d46-2\">Autre<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_d1e2f69 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_d1e2f69\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPr\u00e9nom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_d1e2f69]\" id=\"form-field-field_d1e2f69\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Pr\u00e9nom\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"E-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text\">\n\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_4882f21]\" id=\"form-field-field_4882f21\" class=\"elementor-field elementor-size-sm \" style=\"display:none !important;\">\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_48e8c8e elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_48e8c8e\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tT\u00e9l\u00e9phone (merci d'indiquer le pr\u00e9fixe)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_48e8c8e]\" id=\"form-field-field_48e8c8e\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"+352 ..................\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_1aa61d2 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1aa61d2\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tLangue de pr\u00e9f\u00e9rence\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Fran\u00e7ais\" id=\"form-field-field_1aa61d2-0\" name=\"form_fields[field_1aa61d2][]\"> <label for=\"form-field-field_1aa61d2-0\">Fran\u00e7ais<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"English\" id=\"form-field-field_1aa61d2-1\" name=\"form_fields[field_1aa61d2][]\"> <label for=\"form-field-field_1aa61d2-1\">English<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-step elementor-field-group elementor-column elementor-field-group-field_6fc97a7 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"e-field-step elementor-hidden\" data-label=\"\" data-previousButton=\"\" data-nextButton=\"\" data-iconUrl=\"\" data-iconLibrary=\"fas fa-star\" data-icon=\"<svg class="e-font-icon-svg e-fas-star" viewBox="0 0 576 512" xmlns="http:\/\/www.w3.org\/2000\/svg"><path d="M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z"><\/path><\/svg>\" ><\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_954d787 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_954d787\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tVotre structure est-elle d\u00e9j\u00e0 constitu\u00e9e ?\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Oui\" id=\"form-field-field_954d787-0\" name=\"form_fields[field_954d787][]\"> <label for=\"form-field-field_954d787-0\">Oui<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Non\" id=\"form-field-field_954d787-1\" name=\"form_fields[field_954d787][]\"> <label for=\"form-field-field_954d787-1\">Non<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_0c0a418 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_0c0a418\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEntreprise\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_0c0a418]\" id=\"form-field-field_0c0a418\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Nom de votre entreprise (si applicable)\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_ee1cfaf elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_ee1cfaf\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tJe suis int\u00e9ress\u00e9(e) par\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup \"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Cr\u00e9ation d\u2019entreprise\" id=\"form-field-field_ee1cfaf-0\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-0\">Cr\u00e9ation d\u2019entreprise<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Domiciliation d\u2019entreprise\" id=\"form-field-field_ee1cfaf-1\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-1\">Domiciliation d\u2019entreprise<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Comptabilit\u00e9\" id=\"form-field-field_ee1cfaf-2\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-2\">Comptabilit\u00e9<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Fiscalit\u00e9 et TVA\" id=\"form-field-field_ee1cfaf-3\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-3\">Fiscalit\u00e9 et TVA<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Gestion RH et payroll\" id=\"form-field-field_ee1cfaf-4\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-4\">Gestion RH et payroll<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Conformit\u00e9 KYC\/AML\" id=\"form-field-field_ee1cfaf-5\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-5\">Conformit\u00e9 KYC\/AML<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Liquidation, restucturation et consolidation\" id=\"form-field-field_ee1cfaf-6\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-6\">Liquidation, restucturation et consolidation<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Autre\" id=\"form-field-field_ee1cfaf-7\" name=\"form_fields[field_ee1cfaf][]\"> <label for=\"form-field-field_ee1cfaf-7\">Autre<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_fb2b00f elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_fb2b00f]\" id=\"form-field-field_fb2b00f\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Si autre, pr\u00e9ciser ici\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_17838d4 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_17838d4\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tComment pr\u00e9f\u00e9rez-vous \u00eatre recontact\u00e9 ?\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Mail\" id=\"form-field-field_17838d4-0\" name=\"form_fields[field_17838d4][]\"> <label for=\"form-field-field_17838d4-0\">Mail<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"T\u00e9l\u00e9phone\" id=\"form-field-field_17838d4-1\" name=\"form_fields[field_17838d4][]\"> <label for=\"form-field-field_17838d4-1\">T\u00e9l\u00e9phone<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"6\" placeholder=\"D\u00e9crivez votre projet et pr\u00e9cisez vos disponibilit\u00e9s\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_4d14d0f elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_4d14d0f]\" id=\"form-field-field_4d14d0f\" class=\"elementor-field elementor-size-sm elementor-acceptance-field\">\n\t\t\t\t<label for=\"form-field-field_4d14d0f\">Je souhaite recevoir par e-mail la newsletter de OmniTrust, ainsi que des informations utiles sur ses services. (D\u00e9sinscription possible \u00e0 tout moment.)<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_95017fd elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_95017fd\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LfVGNosAAAAAIABM2L_jg6bnR2WpvnFUlKU3gSW\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Calculatrice de pension de retraite Vous pr\u00e9voyez de prendre votre retraite au Grand-Duch\u00e9 ? Avec les r\u00e9centes adaptations l\u00e9gislatives entr\u00e9es en vigueur le 1er janvier 2026, il est essentiel de mettre \u00e0 jour vos calculs. L’\u00e2ge de d\u00e9part, les taux de cotisation et les majorations proportionnelles ont \u00e9volu\u00e9 pour garantir la viabilit\u00e9 du syst\u00e8me. Gr\u00e2ce […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4970","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/pages\/4970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/comments?post=4970"}],"version-history":[{"count":64,"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/pages\/4970\/revisions"}],"predecessor-version":[{"id":6049,"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/pages\/4970\/revisions\/6049"}],"wp:attachment":[{"href":"https:\/\/www.omnitrust.lu\/fr\/wp-json\/wp\/v2\/media?parent=4970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}