Question to an expert
Will I lose my retirement pension if I become an employee of my former employer again?
Resuming professional activity is always possible after retiring, but sometimes generates a loss in pensions.
To be completely free, including to become an employee of his last employer again, without delay or ceiling of remuneration, while keeping all of his pensions, three conditions must be respected, cumulatively: to be at least of the legal retirement age (62 years old), to leave at full rate and to have asserted his rights in all his retirement plans, French and foreign.
If you do not comply with the three conditions and you return to work with your last employer during the first six months of your retirement, your basic pension will be suspended until the first day of the seventh month. Ditto for your Agirc-Arrco supplement, unless the sum of your pensions and your new salary remains below 160% of the minimum wage (or your old salary).
And beyond the first six months? In the event that you exceed the aforementioned ceiling, your basic pension will be reduced accordingly, and your Agirc-Arrco pension suspended.
If the full rate and the number of quarters necessary are often sought to optimize the level of pensions, they are therefore also important for resuming an activity in optimal conditions, including with his last employer.