Progressive retirement of the employee
Verified 01 September 2023 - Legal and Administrative Information Directorate (Prime Minister)
Do you want to reduce your professional activity at the end of your career as you approach retirement? The phased retirement scheme allows for this. We'll explain the conditions.
Progressive retirement is a device that allows you, late career, to work part-time and touch, simultaneously, a part of your retirements (basic and complementary).
During that period, you continue to contribute to retirement. You can choose to over-contribute, i.e. contribute to retirement on the basis of a full-time salary.
When you completely cease your employment, your final retirement is recalculated taking into account the period during which you continued to work part-time.
You can learn more about phased retirement using an online service:
You can apply for a gradual retirement 2 years before the statutory minimum retirement age :
You were born: | You can start a gradual retirement from: |
|---|---|
Before 1er september 1961 | 60 years |
Between 1er September 1961 and December 31, 1961 | 60 years and 3 months |
In 1962 | 60 years and 6 months |
In 1963 | 60 years and 9 months |
In 1964 | 61 yrs |
In 1965 | 61 years and 3 months |
In 1966 | 61 years and 6 months |
In 1967 | 61 years and 9 months |
From 1er january 1968 | 62 yrs |
You must also meet the following 2 conditions:
- Proof of an insurance period and periods recognized as equivalent of 150 quarters with one or more basic pension funds
- To engage in part-time paid employment between 40% and 80% full-time
The application for progressive retirement shall be made by means of a form:
Progressive pension claim - General scheme employee
You must have your employer complete the Progressive Retirement Certificate:
Employer attestation for phased retirement
These 2 forms should be sent to your Carsat: titleContent.
You must also include the following documents with your application:
- Copy of your part-time work contract
- A declaration on honor that you are no longer engaged in any professional activity other than that corresponding to your part-time employment contract, together with any supporting documents
- Pay slips for the 12 months prior to the filing date of your progressive retirement application
Your admission to gradual retirement leads to provisional calculation of your retirement pension Pension Insurance according to your rights at the time of your request.
During your gradual retirement, you receive a part of your pension to supplement your part-time working income.
The amount of pension you receive varies according to how long you work part-time compared to the statutory or contractual maximum.
The amount of your retirement pension is equal to the difference between 100% and your share of part-time work.
For example, part-time at 60% entitles you to 40% the amount of your temporary retirement.
The same portion of your pension is granted to you by any other basic pension plans to which you have rights.
For this purpose, the Pension Insurance communicates the following information to the other basic pension funds to which you have rights:
- The date from which you start a phased retirement
- The rate of the pension portion that is paid to you and any changes to that rate
- If this happens, the date on which your phased retirement payment is removed or suspended
- The date on which you are admitted to final retirement and receive your full retirement pension
Répondez aux questions successives et les réponses s’afficheront automatiquement
Your part-time work time changes
If your part-time work changes (always between 40% and 80% of a full time), you must report this to your Carsat.
The amount of your pension is revised from 1er the day of the month following the month in which the change occurred.
You're changing your job
You must inform your Carsat of any change of part-time activity and forward the corresponding employment contract.
You no longer meet the conditions for a phased retirement
The payment of your phased retirement is suspended if you no longer meet the conditions to benefit from it.
For example, if your part-time work time falls below 40% or above 80% a full time.
The payment of your phased retirement is suspended from 1er the day of the month following the month in which you no longer qualify.
The payment of your phased retirement begins on the 1er the day of the month following the month in which you requalify.
You must bring the supporting documents corresponding to your Carsat.
You are resuming full-time activity
If you return to full-time employment, your phased retirement will be permanently terminated.
Your phased retirement will cease to be paid as of 1er the day of the month following your full-time reopening.
FYI
The amount of income you earned before your gradual retirement is updated to reflect wage revaluation coefficients.
Your part-time income becomes higher than your previous income
If the income from your part-time work reaches or exceeds the amount of income you received before your gradual retirement, the gradual retirement will be permanently discontinued.
Your phased retirement will cease to be paid as of 1er the day of the month following the month in which your income reached or exceeded your previous income.
FYI
The amount of income you earned before your gradual retirement is updated to reflect wage revaluation coefficients.
When you apply for your final retirement, the portion of your retirement pension paid to you during your progressive retirement, in addition to your working income, is replaced by your full retirement pension.
Your full retirement pension is calculated taking into account
- the amount of your retirement pension, which was calculated when you retired gradually,
- and the period of gradual retirement during which you worked part-time and continue to contribute for retirement.
Your full retirement pension is calculated within usual conditions.
However, it may not be less than the provisional amount that was calculated when you retired gradually based on your entitlement at that time.
Once you have retired permanently, if you continue or resume a professional activity, the exercise of that professional activity is subject to the rules of the job-pension cumulation.
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Pension insurance - 39 60
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