Question to an expert
If I take early retirement for a long career, will I still be able to return to work afterwards to supplement my pensions?
Liquidating your pension rights will not prevent you, in almost all cases, from maintaining or resuming a professional activity. The question to be asked is not so much that of the possibility of combining employment and retirement as that of the conditions under which it can be done.
Thus, if you liquidate your pension rights in the context of an early departure for a long career before the legal retirement age, 62, you will be subject to constraints.
The first will concern you if you wish to resume your salaried activity with the same employer: you will have to wait six months, otherwise your basic retirement pension will be suspended until the first day of the seventh month. There is no time limit for a recovery with another employer.
Second constraint: the cumulative amount of your new remuneration and your retirement must not exceed your old remuneration (or 160% of the minimum wage, if it is more favorable). If this is the case, the excess will be charged to the amount of your basic pension and the payment of your Agirc-Arrco supplement will be suspended. Once you reach 62, the limitation will disappear.
You can avoid these constraints by adopting, for your resumption of activity, a social status and a pension plan different from those which were yours before. For example by becoming a microentrepreneur if you were an employee.