{"id":804,"date":"2025-08-10T16:46:28","date_gmt":"2025-08-10T14:46:28","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/"},"modified":"2025-08-10T16:46:28","modified_gmt":"2025-08-10T14:46:28","slug":"comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/","title":{"rendered":"Comment r\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches \u00ab\u00a0mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9\u00a0\u00bb"},"content":{"rendered":"<article>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f106ceaab92\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f106ceaab92\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#%C2%AB_Mon_pere_est_decede_avec_28_000_E_sur_son_PER_voici_comment_nous_avons_recupere_cet_argent_%C2%BB\" >\u00ab\u00a0Mon p\u00e8re est d\u00e9c\u00e9d\u00e9 avec 28 000 \u20ac sur son PER, voici comment nous avons r\u00e9cup\u00e9r\u00e9 cet argent\u00a0\u00bb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Un_cas_concret_qui_eclaire_les_demarches\" >Un cas concret qui \u00e9claire les d\u00e9marches<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Premiere_etape_identifier_le_type_de_PER\" >Premi\u00e8re \u00e9tape : identifier le type de PER<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Les_options_possibles_pour_les_beneficiaires\" >Les options possibles pour les b\u00e9n\u00e9ficiaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Un_parcours_seme_dembuches_administratives\" >Un parcours sem\u00e9 d&#8217;emb\u00fbches administratives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Attention_aux_pieges_fiscaux\" >Attention aux pi\u00e8ges fiscaux<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Le_role_crucial_du_notaire\" >Le r\u00f4le crucial du notaire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Et_si_le_PER_est_collectif\" >Et si le PER est collectif ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/#Notre_verdict\" >Notre verdict<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%AB_Mon_pere_est_decede_avec_28_000_E_sur_son_PER_voici_comment_nous_avons_recupere_cet_argent_%C2%BB\"><\/span>\u00ab\u00a0Mon p\u00e8re est d\u00e9c\u00e9d\u00e9 avec 28 000 \u20ac sur son PER, voici comment nous avons r\u00e9cup\u00e9r\u00e9 cet argent\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le d\u00e9c\u00e8s d&rsquo;un proche est toujours une \u00e9preuve difficile. Lorsque s&rsquo;ajoutent des questions financi\u00e8res complexes comme la transmission d&rsquo;un Plan d&rsquo;\u00c9pargne Retraite (PER), les d\u00e9marches peuvent sembler insurmontables. Pourtant, des solutions existent pour r\u00e9cup\u00e9rer ces fonds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Un_cas_concret_qui_eclaire_les_demarches\"><\/span>Un cas concret qui \u00e9claire les d\u00e9marches<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sophie, 42 ans, a d\u00fb faire face \u00e0 cette situation apr\u00e8s le d\u00e9c\u00e8s brutal de son p\u00e8re. \u00ab\u00a0Quand le notaire nous a parl\u00e9 des 28 000 \u20ac bloqu\u00e9s sur son PER, nous \u00e9tions perdus. L&rsquo;assurance vie \u00e9tait claire, mais le PER&#8230; c&rsquo;\u00e9tait du chinois\u00a0\u00bb, confie-t-elle.<\/p>\n<p>Apr\u00e8s plusieurs mois de proc\u00e9dures, la famille a finalement pu r\u00e9cup\u00e9rer l&rsquo;int\u00e9gralit\u00e9 des fonds. Voici les \u00e9tapes cruciales qu&rsquo;ils ont d\u00fb suivre.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Premiere_etape_identifier_le_type_de_PER\"><\/span>Premi\u00e8re \u00e9tape : identifier le type de PER<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Il existerait deux types principaux de PER : le PER individuel et le PER collectif. Leur transmission pourrait diff\u00e9rer sensiblement. Pour le PER individuel, les h\u00e9ritiers auraient g\u00e9n\u00e9ralement plus de latitude dans les options de r\u00e9cup\u00e9ration des fonds.<\/p>\n<p>\u00ab\u00a0Nous avons d\u00e9couvert que mon p\u00e8re avait souscrit un PER individuel chez son assureur. Cela nous a donn\u00e9 plusieurs possibilit\u00e9s\u00a0\u00bb, explique Sophie.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_options_possibles_pour_les_beneficiaires\"><\/span>Les options possibles pour les b\u00e9n\u00e9ficiaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Selon les experts consult\u00e9s, les h\u00e9ritiers pourraient avoir le choix entre :<\/p>\n<ul>\n<li>Le rachat total du PER (souvent soumis \u00e0 imposition)<\/li>\n<li>Le transfert sur un autre PER au nom du conjoint survivant<\/li>\n<li>La transformation en rente viag\u00e8re<\/li>\n<\/ul>\n<p>Le site officiel du <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2105\" target=\"_blank\" rel=\"noopener\">service-public.fr<\/a> pr\u00e9cise les conditions fiscales applicables \u00e0 ces diff\u00e9rentes options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Un_parcours_seme_dembuches_administratives\"><\/span>Un parcours sem\u00e9 d&#8217;emb\u00fbches administratives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sophie et sa famille ont opt\u00e9 pour le rachat total. \u00ab\u00a0L&rsquo;assureur nous a demand\u00e9 une tonne de documents : l&rsquo;acte de notori\u00e9t\u00e9, le certificat de d\u00e9c\u00e8s, le contrat original&#8230; Sans notre notaire, nous aurions abandonn\u00e9\u00a0\u00bb, raconte-t-elle.<\/p>\n<p>Un d\u00e9lai de plusieurs mois serait fr\u00e9quent entre le d\u00e9p\u00f4t du dossier complet et le d\u00e9blocage effectif des fonds. Dans leur cas, l&rsquo;argent a \u00e9t\u00e9 vers\u00e9 apr\u00e8s 5 mois de proc\u00e9dures.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Attention_aux_pieges_fiscaux\"><\/span>Attention aux pi\u00e8ges fiscaux<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le montant r\u00e9cup\u00e9r\u00e9 pourrait \u00eatre soumis \u00e0 imposition, sauf dans certains cas particuliers. \u00ab\u00a0Nous avons d\u00fb payer des imp\u00f4ts sur la plus-value, mais le capital initial \u00e9tait exon\u00e9r\u00e9\u00a0\u00bb, pr\u00e9cise Sophie.<\/p>\n<p>Les r\u00e8gles fiscales varieraient selon :<\/p>\n<ul>\n<li>L&rsquo;\u00e2ge du d\u00e9funt au moment du d\u00e9c\u00e8s<\/li>\n<li>La date des versements sur le PER<\/li>\n<li>Le lien de parent\u00e9 avec le b\u00e9n\u00e9ficiaire<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Le_role_crucial_du_notaire\"><\/span>Le r\u00f4le crucial du notaire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dans cette affaire, le notaire de la famille s&rsquo;est r\u00e9v\u00e9l\u00e9 indispensable. \u00ab\u00a0Il nous a guid\u00e9s pas \u00e0 pas, v\u00e9rifi\u00e9 chaque document et m\u00eame n\u00e9goci\u00e9 avec l&rsquo;assureur pour acc\u00e9l\u00e9rer le processus\u00a0\u00bb, t\u00e9moigne Sophie.<\/p>\n<p>Son conseil ? \u00ab\u00a0Ne jamais h\u00e9siter \u00e0 consulter un professionnel. Les \u00e9conomies r\u00e9alis\u00e9es sur les honoraires du notaire pourraient \u00eatre largement compens\u00e9es par les erreurs \u00e9vit\u00e9es et les optimisations fiscales.\u00a0\u00bb<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Et_si_le_PER_est_collectif\"><\/span>Et si le PER est collectif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pour les PER collectifs (li\u00e9s \u00e0 une entreprise), la proc\u00e9dure pourrait \u00eatre diff\u00e9rente. Les r\u00e8gles sp\u00e9cifiques du plan d&rsquo;entreprise s&rsquo;appliqueraient en priorit\u00e9. Il serait donc crucial de contacter rapidement le service des ressources humaines de l&rsquo;ancien employeur.<\/p>\n<p>Certains PER collectifs pr\u00e9voiraient des clauses particuli\u00e8res de transmission, parfois plus restrictives que les PER individuels. Une v\u00e9rification minutieuse du contrat s&rsquo;imposerait.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Notre_verdict\"><\/span>Notre verdict<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>R\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;un PER apr\u00e8s un d\u00e9c\u00e8s n&rsquo;est peut-\u00eatre pas simple, mais c&rsquo;est tout \u00e0 fait possible avec de la patience et les bons conseils. Comme le montre l&rsquo;exemple de Sophie, l&rsquo;accompagnement par un professionnel peut faire toute la diff\u00e9rence.<\/p>\n<p>Vous \u00eates confront\u00e9 \u00e0 une situation similaire ? Ne restez pas seul face \u00e0 ces d\u00e9marches complexes. Consultez sans tarder votre notaire ou un conseiller en gestion de patrimoine pour explorer les options qui s&rsquo;offrent \u00e0 vous.<\/p>\n<p>Et si cet article vous a \u00e9t\u00e9 utile, vous pourriez \u00e9galement \u00eatre int\u00e9ress\u00e9 par nos guides sur <a href=\"#\">\u00ab\u00a0Les 5 erreurs \u00e0 \u00e9viter lors de la succession d&rsquo;un proche\u00a0\u00bb<\/a> ou <a href=\"#\">\u00ab\u00a0Comment optimiser fiscalement un h\u00e9ritage\u00a0\u00bb<\/a>.<\/p>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;804&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Comment r\u00e9cup\u00e9rer l\\u0026#039;argent d\\u0026#039;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches \\u0026quot;mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9\\u0026quot;&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00ab\u00a0Mon p\u00e8re est d\u00e9c\u00e9d\u00e9 avec 28 000 \u20ac sur son PER, voici comment nous avons r\u00e9cup\u00e9r\u00e9 cet argent\u00a0\u00bb Le d\u00e9c\u00e8s d&rsquo;un proche est toujours une \u00e9preuve difficile. Lorsque s&rsquo;ajoutent des questions financi\u00e8res complexes comme la transmission d&rsquo;un Plan d&rsquo;\u00c9pargne Retraite (PER), les d\u00e9marches peuvent sembler insurmontables. Pourtant, des solutions existent pour r\u00e9cup\u00e9rer ces fonds. Un &#8230; <a title=\"Comment r\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches \u00ab\u00a0mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/\" aria-label=\"En savoir plus sur Comment r\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches \u00ab\u00a0mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment r\u00e9cup\u00e9rer l&#039;argent d&#039;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches &quot;mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9&quot; - Rachat de Cr\u00e9dit<\/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:\/\/rachat2credit.fr\/guide\/comment-recuperer-largent-dun-per-apres-le-deces-du-titulaire-pourrait-rapporter-gros-a-ses-proches-mon-pere-a-oublie-de-designer-un-beneficiaire-on-a-tout-recupere\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment r\u00e9cup\u00e9rer l&#039;argent d&#039;un PER apr\u00e8s le d\u00e9c\u00e8s du titulaire pourrait rapporter gros \u00e0 ses proches &quot;mon p\u00e8re a oubli\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire, on a tout r\u00e9cup\u00e9r\u00e9&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab\u00a0Mon p\u00e8re est d\u00e9c\u00e9d\u00e9 avec 28 000 \u20ac sur son PER, voici comment nous avons r\u00e9cup\u00e9r\u00e9 cet argent\u00a0\u00bb Le d\u00e9c\u00e8s d&rsquo;un proche est toujours une \u00e9preuve difficile. Lorsque s&rsquo;ajoutent des questions financi\u00e8res complexes comme la transmission d&rsquo;un Plan d&rsquo;\u00c9pargne Retraite (PER), les d\u00e9marches peuvent sembler insurmontables. Pourtant, des solutions existent pour r\u00e9cup\u00e9rer ces fonds. Un ... 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