For each new quarter he won a raise of 1

In the first quarter, 21,000 persons received a raise of retirement. This population accounted for 12.5 of new retirees (1), a share ever previously (see chart). The device is really the success of the time, as it was last year, at the same time, the regime of the autoentrepreneur. In both cases, the reasons are the same: it is to improve the ordinary.

To do this, more than French are ready to continue working beyond the number of quarters required for their pension at full rate. This is certainly not consistent with the picture returned by the polls. Believe them, employees do not want to play the extensions to their workstation. At least, until the day they rub to grim financial reality...

Expert in strategy retreat in Mercer, company specialized in remuneration and social protection, Philippe Caré frequently observed phenomenon. "When I have to advise a person between the ages of 54 and 57, she highlights almost always the arduous nature of his work, he says." She proclaims to who wants to hear that it will not work one day more than what it should. And then, when closer to the time of the winding-up of rights, it starts to get a clear idea of the amount of his pension. Suddenly, it found the form to remain active.

Difficult welding

Is that the clash is harsh, when the last wage gives way to a pension which represents more than 60 of the old salary. In some situations, the weld is virtually impossible. This is the case when the new retired was still several young children to support, and a fortiori when he has to pay alimony.

The account there is not more for another class of individuals: they are the investors in the stock market. For those preparing to leave the world of work, the fall of their investment came at the wrong time. Performance targets are not the appointment to supplement their income declining. They must find another backup solution.

And then there is also the case of employees who have proven valuable for their employer he asked them well to remain, do what would be the time to train a successor.

Stay up to 70 years

To make a response to all these problems, two solutions exist now. In the first, called the "raise" collaborator says he wants to remain in the company, even if all its quarters are recorded. With the legislation now in force, it can thus remain an employee up to 70 years. Not only delays the time where he will have to suffer a decrease in revenues, but in addition, it improves the amount of its future pension. For each new quarter, he won a raise of 1.25, for a total of 5 per year. Thus, within two years, it clears for life social costs which will remain to meet.

Indeed, the latter amounted to 7.5 of the annuity paid by the basic scheme. Once the pension improves by 5 per year, is not much time so accruing gain is greater than the puncture.

Only, if the formula is interesting for the employee, it is much less for the employer, who has good reason to feel put fait accompli. In fact, the contract of employment does not change. It is always indeterminate. Therefore, the recipient of the raise will not be licensed (except for serious misconduct) and still less of office to the pension. That is why, so that the formula be found winning by both parties, better consider the solution of a CSD accumulated with the liquidation of the rights.

Return to BOD

Since the beginning of the year, the Act greatly facilitates the procedures for the eager to return to retired from the service. Can water his departure on Friday night and return on Monday morning, contract term. Until then, he had to leave past a period of six months, or even go to offer his services to another employer. Needed in addition to that the sum of his pension and his new salary does not exceed the amount of remuneration was last. These constraints are no longer. The beneficiary of these new rights will be never so well earned his life. If he had wound up its rights, he would receive 60 of his last salary. If he remains in his position, he receives his salary unchanged. But if he liquid its rights while rempilant for 18 months, for example, he sees a total 160 of what it was in Commission! Then, nothing prohibits to envisage the continuation of its activities by opting for the status of independent...