Despite their age, many workers no longer hesitate to pursue their careers to meet their daily needs or finance those to come.

This is why the State has put in place several measures combining employment with retirement, including that of gradual retirement, which has undergone a small facelift through a law of 2014.

And since then, its success has continued to grow: 12,344 employees (including 73% women) benefited in 2020 under the general scheme, against less than 3,000 before the reform, according to figures from the Fund. national old-age insurance.

But how does it work?

From salaried to multi-salaried

An employee who is approaching the legal retirement age can choose to continue working while reducing his activity, so as to receive at the same time a fraction of his retirement pension.

This is a good way to organize the end of his career, especially since the provisional calculation of the pension will be updated (since he still contributes) the day the employee wishes to retire definitively.

This may even allow you to benefit from a premium.

To qualify, you must be 60 years old and have contributed 150 quarters, all plans combined.

Since 2018, the progressive retirement scheme has also been aimed at employees who work for several employers, subject to these conditions.

Whether you have a single boss or a plurality, the goal is in all cases to go from full time to part time between 40 and 80% of the legal or contractual working time.

A mathematical sharing

Under the progressive retirement scheme, the percentage of the pension received will then be complementary to the percentage of working time.

In other words, if you work at 65%, you will be entitled to 35% of your pension.


However, this retirement fraction is not necessarily enough to compensate for the loss of income resulting from the transition to part-time work.

Everyone must do their calculations according to their own situation.

On the other hand, an employee who already had a reduced activity has every interest in taking advantage of this device since his resources increase during the period of progressive retirement.

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The old threshold effect

Previously, the strict conditions of phased retirement encouraged few employees to adopt it.

Before 2015, this system was in fact reserved for people over 62 who had contributed 150 quarters and allowed employees with part-time work of between 20% and 80% to receive part of their pension.

But a complex scale of payment by working time slices was applied.

To receive 70% of his retirement, for example, it was necessary to display less than 40% of part-time activity, while 50% of the pension was paid between 40% and 59.99% of working time.

And between 60 and 80% of the legal working time, only 30% of the pension was granted.

These thresholds were therefore difficult to understand for the general public, which led the legislator to simplify the mechanism.

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