Emmanuel Macron, in his last televised intervention, proposed, to compensate for the lack of doctors, to make the combination of employment and retirement more advantageous for former practitioners. But this system is not reserved for doctors.
franceinfo: How does this system work?
Philippe Duport: The principle is simple and interesting. It has also been adopted by nearly one in ten retired people, between the ages of 60 and 67. It consists of combining your retirement pension with earned income, either because you remain employed or because you are self-employed, without this cutting into your retirement pension. In this, it is different from the combination of unemployment benefit and earned income. Working when you are unemployed is possible, but it lowers your benefit. There, your retirement is unchanged.
This system is not open to everyone…
Yes, there is a major condition to benefit without limit from the combination of employment and retirement. It is to have liquidated your pension at full rate. Not having a discount on your retirement, not having left early. If you left at the full rate, since 2009, there is no income limit. You can earn as much as you want, more than your retirement pension, for example, it doesn’t change anything. On the other hand, if you retired before reaching the full rate, there will be a ceiling.
How will the combination of employment and retirement work in this case?
In this case, specifies Hervé Sauzay, founder of the French Institute for Seniors, what you earn with your activity must not exceed the average salary of your last three months in your last company. If so, your retirement pension will decrease. There are also ceilings if you are a trader or a liberal profession. Ditto if you are a civil servant: the income from your new activities cannot exceed your annual retirement pension by one third.
A possibility to keep in mind: you can continue to work for the same employer, even after retiring…
Yes, but be careful, in this case you have to respect a waiting period of six months. Otherwise, six months of pension will be confiscated. If you work for another employer, however, no limit, you can start the day after your retirement. Finally last point to note: even in retirement, you will continue to pay old age contributions on your wages. Whereas your pension will not increase because you are going to work.