inconvenience, contribution, loss of salary
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Phased retirement has advantages and disadvantages. What is the point of this device? Here are the things to know before getting started.
Phased retirement is a system allowing, under certain conditions, to retire slowly. A good way for those who, too attached to active life, panic at the idea of their new life and their new status. Your professional activity is reduced little by little and you perceive, at the same time, a part of your pensionat the end of his career.
With progressive retirement, you receive the salary corresponding to your part-time activity and part of your pension (basic and supplementary) while contributing to retirement. From September, with the entry into force pension reformphased retirement will expand “to all insured persons under the basic pension schemes, as well as to so-called sedentary civil servants (excluding police officers, prison guards, caregivers)”.
What are the disadvantages of phased retirement?
However, if phased retirement may seem like a good plan, there are however disadvantages to this system. First of all, who says reduction in working time says part-time and salary halved ! Employees will need the agreement of their employer and will see their remuneration drop drastically.
You can also benefit from progressive retirement as long as you meet the condition of part-time or reduced-time working hours giving you the right to it. At the end of each period of one year after the start date of your progressive retirement, you must provide proof of your part-time or reduced-time work, by answering a questionnaire from your fund. If you do not respond, your progressive retirement pension will be suspended.
Finally, the website All about my finances remember that, like all part-time workers, the beneficiaries of progressive retirement contribute less on retirement, which will have an impact on their future old-age pension. This is particularly true for supplementary pensions, since the insured person will acquire fewer points. However, artisans, traders and farmers have the option of asking their pension fund to contribute as if they were full-time. This additional contribution is also possible for employees, provided that their employer (who pays employer contributions) agrees.
What is the amount of a progressive retirement?
To determine the amount of your progressive retirement, a provisional retirement is calculated on the basis of your rights at the time of your request. temporary retirement is calculated according to the same rules as a definitive retirement according to your number of terms pension insurance and your average salary during your best 25 years.
The portion of your provisional pension paid to you is equal to the difference between 100% and your part-time or reduced-time work. For example, a part-time or reduced to 65% entitles you to 35% of your provisional retirement, says one on the site of the Service-public.
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