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Life for retired people is not always as simple as we might imagine. Between bills that continue to pile up, inflation that eats away at purchasing power and health hazards… Many former workers find themselves juggling limited financial resources. This situation can complicate everyday life.
This is where pension reform comes in, which opens the door to unsuspected opportunities. Indeed, since this reform, a technique makes it possible to receive a second pension. You will therefore be able to increase your monthly income by up to 118 euros. Here’s how it works.
A second retirement for seniors
It is common to think that the pension remains a definitive amount, fixed at the time of liquidation of rights. However, thanks to the reform, it is now possible to combine employment and retirement. This accumulation system allows policyholders to return to paid activity and, consequently, to acquire new rights.
If you reach the legal retirement age, which is now 64 years since the 2023 reform, you can consider resume professional activity. Whether full-time or part-time.
To have
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In addition, it is necessary to have validated all of your quarters. This means that you must have acquired either 168 or 172 quarters, depending on your year of birth. In practice, if you return to professional activity after reaching the legal retirement age (64 years since the 2023 reform), you can contribute again.
Each quarter worked after retirement then turns into additional rightswhich will then be converted into a second pension. So, after a few months or years of activity, you could see your pension increase sustainably.
How to exploit this second retirement?
The amount of this second pension depends on several criteria. In particular the duration of your new activity and the amount of contributions paid. Each quarter worked beyond your retirement contributes to revalue your future pensiondepending on your income.
Let’s take an example: imagine a retiree who returns to a part-time activity. Whether as an employee, craftsman or self-employed, each quarter of work counts. Not only does he receive his salary, but he also continues to contribute to retirement. This choice can result in a increase in his pension.
Ultimately, this approach may allow you to receive an additional amount. He is often above 118 euros per month, specify our colleagues from Full Life.
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Conditions for pensioners
As we explained above, although this opportunity is attractive, conditions must be respected. In summary, you must have liquidated your retirement rights. This implies having stopped your professional activity and validated all your quarters. Then, it is imperative to have reached the legal age of departure to benefit from the full accumulation.
This system is advantageous because it does not impose an income ceiling. You can therefore continue to receive your pension while receiving the salary from your new activity. And this, without fear of penalizing your pension.
In addition, each quarter worked contributes to increasing your pension. Which can thus result in the payment of a “second pension” in the long term.
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