Different situations can give you the right to a premium for a state pension. If you continue to work after age 62, while having contributed for all of your quarters, you can benefit from a bonus. This is also possible if you have raised three children for at least nine years, but also if you take early retirement due to disability. How is the surcharge calculated?
The amount of your retirement pension depends in part on the number of quarters you have been able to accumulate. Depending on your year of birth, a certain number of quarters is required in order to benefit from a full pension. When you continue to work beyond the legal retirement age, currently 62, despite all the quarters requested, your retirement pension becomes increased according to the number of additional full quarters worked. It is in this context that we speak of overcontribution since you continue your career while already having the right to a full pension.
The pension increase coefficient is set at 1.25% per quarter worked in addition to the number of quarters required. Each additional quarter completed beyond the legal retirement age for sedentary civil servants thus gives the right to an increase in the amount of the pension. Military and civil servants benefiting from an early departure do not have the possibility of obtaining this bonus. In calculating the premium, only increases in the duration of insurance granted for children and disability are taken into account.
