This is something new. From now on, when you return to work after you have retired, you will acquire new rights for your future pension. On condition, however, that you respect certain rules.
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– To be able to improve your future pension by combining employment and retirement, you must respect certain rules.
Good news, but with conditions. The 2023 pension reform allows those who combine employment and retirement to build up new rights for their future pension when they return to work. Before this reform, returning to work after you had retired did not allow you to increase your future pension. You contributed during this period, but to no avail. But be careful, not all employment-retirement combinations allow you to benefit from this new feature.
To understand who is eligible, let’s first remember that there are two types of employment-retirement accumulation. The first, limited accumulationconcerns you if you stopped your activity before your legal age or if you did not obtain all your quarters to leave with the full rate. If you are in this situation and you resume an activity, you will not be able to increase your future new pension.
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To be able to increase the level of your future pension, you must be in full employment-retirement accumulationthat is to say, having taken your full-rate retirement and having waited until your legal age to leave. But these are not the only conditions to meet. You also need to be vigilant about the employer with whom you return to work. If it is not the same one as the one you worked for when you retired, no worries. The contributions paid during your accumulation will allow you to acquire new rights.
Particular vigilance if you work for the same employer
But the situation becomes more complicated if you return to work with your last employer. If you do not respect a six-month waiting periodyou will be deprived of obtaining new rights for your future retirement. “Retirees in a situation of full accumulation who can immediately return to their last employer must choose between immediately returning to that employer without new rights or respecting the waiting period to open new rights”warns the Retirement Insurance. It is up to you, therefore, to compare the salary you can earn by immediately returning to your former employer and the new retirement rights you are losing.
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Please note that for those who have already resumed an activity directly with their former employer without respecting this six-month deadline, it is too late. They will not be able to build up new rights. Finally, the last point to remember: when you cease your activity, you must not forget to fsubmit your new retirement applicationotherwise you will not receive your new pension.
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