Arrived at the fateful moment of retirement, are you afraid of no longer receiving enough money to manage your budget as well as possible? If the loss of income scares you and you are worried about remaining inactive, why not consider combining retirement? More and more retirees are making this choice in order to supplement their retirement pension and ensure better living comfort. However, it is essential to find out beforehand about the conditions governing this system. Here are our explanations on how it works and the contributions to be paid in this context.
On average, the French lose 40% of their income, once they reach retirement. It is therefore not uncommon to see them resorting to combined employment and retirement, but it is essential to know this system well so as not to have any unpleasant surprises. You must therefore have obtained all your basic and supplementary pensions to benefit from full accumulation. To do this, you will have to wait until the full retirement age or benefit from the necessary insurance period as soon as you retire. You can then immediately resume an activity.
If it is not possible for you to claim full accumulation, you can benefit from a partial accumulation of your retirement pension and a new income. However, a scale is established in this case and the total monthly income must not exceed the monthly average of your wages for the last three calendar months. If you exceed this limit, the amount of your retirement pension will be reduced according to your excess. Do not forget to find out about the contributions to be paid in the case of multiple employment and retirement, whether employer or employee. Discover, in our slideshow, all the contributions you will have to pay.