Accumulation of employment and retirement: the very rare case where you can continue to contribute


Do you plan to resume salaried activity while you are retired like 397,038 French people in 2019? If this allows you to increase your purchasing power, your retirement pension remains unchanged, unlike phased retirement. This process makes it possible to count quarters and additional points acquired throughout the period.

Conversely, since the pension reform of 2014, when a retiree resumes a paid activity after having liquidated his pensions, he does not obtain additional rights. However, like the other assets, he continues to contribute. Combining employment and retirement therefore does not allow him to improve his pension. And this, regardless of the scheme in which he contributes.

However, there is an exception.

Employees, self-employed, liberal professions, public serviceā€¦ A rule applicable within all pension schemes makes it possible to continue to accumulate pension rights with the basic and supplementary schemes, reports Capital.

It applies to recipients of a military pension. Military personnel resuming any professional activity can thus increase their pension through contributions related to their new professional activity.

This is because the military have shorter careers. Their single retirement pensions would therefore be insufficient to meet their needs for a period longer than retirement. They do not have a minimum age constraint to be able to liquidate their rights. The justification of a minimum duration of service, variable according to their grade, is sufficient. It is 27 years for officers and 17 years for non-commissioned members and non-commissioned officers.

If these conditions are not met, they must however wait until the age of 52 to apply for their military pension.

It should also be noted that non-commissioned officers and non-commissioned members can combine pensions and earned income in full when they have completed at least 25 years of actual service, with a public or private employer.