Question to an expert
Yes, during the phased retirement period, the insured person continues to contribute to his or her retirement. This system, which allows you to reduce working hours at the end of your career while receiving a small portion of your retirement funds, is based on a dual mechanism.
On the one hand, the insured receives a part of his pension depending on the reduction in his working hours – if his activity level is 60%, then the pension paid will be 40%. On the other hand, he continues part-time professional activities, which remain subject to the usual social security contributions, including those intended for retirement.
This means that income from part-time work gives rise to new pension rights, exactly as in the classic work period. These additional rights will be added upon final liquidation of the pension.
However, keep in mind that contributions are calculated based on the salary actually received, which is proportional to the actual time worked. If the insured remains in full-time employment, the contributions will be higher and allow more eligibility to pass. Therefore, this choice can have an impact on the final pension amount.
However, it is possible, with the agreement of the employer, to make contributions on a full-time basis, even when working part-time. In this case, the progressive pension will not cause any changes to the final pension amount.
