Cumulation of employment and retirement of the official

Verified 01 January 2024 - Legal and Administrative Information Directorate (Prime Minister)

Additional cases ?

Other case: for an employee

Are you retired and planning to return to a professional activity? We present you the rules applicable in case of cumulation of an activity remuneration and your retirement pensions.

Depending on your activity, the Info Retirement route introduces you to the general rules applicable to job-pension cumulation:

Retirement Info Path - Job-to-Retirement Cumulation

The rules for job-to-pension accumulation vary depending on whether you were admitted to retirement before the 1er September 2023 or from 1er September 2023 and whether or not you are receiving a retirement pension from the SRE: titleContent or the CNRACL: titleContent at full rate.

Please note

If you are contractual, the rules for job-pension cumulation are the same as for a private-sector employee.

Retirement before September 1, 2023

What are the conditions for job-pension accumulation?

If you have obtained a basic retirement pension from the SRE or the CNRACL at a full rate, you can resume or continue a professional activity.

You can combine your basic and supplementary retirement pensions with the income from your professional activity.

This is possible regardless of the amount of your retirement pensions and the amount of your working income.

You must meet the following 2 conditions:

  • To have applied for and obtained all the basic and supplementary retirement pensions in France and abroad to which you are entitled
  • If you are in the private sector, your new business must be compatible with your previous functions

What steps do you need to take?

You must report your resumption of activity to your pension fund:

Répondez aux questions successives et les réponses s’afficheront automatiquement

You're retired from the SRE

You can file your return online on the SRE: titleContent :

State civil service pensioner: reporting a resumption of activity

Please note

You can also make your declaration in writing to your pension center, the address of which appears on the letter accompanying your pension entitlement and on your pension slips.

You must provide the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

You're retired from NACL

You must inform the CNRACL of your resumption of activity, in writing, indicating the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

Are you entitled to a pension supplement?

The resumption of a professional activity during your retirement allows you to build up, since 1er january 2023, new pension rights with the basic pension fund under which your activity is carried out.

The amount of your Retirement Insurance Superannuation that was calculated when you retired does not change. But the periods during which you have resumed a professional activity since the 1er january 2023 and contributed to a basic pension fund entitles you to a new pension.

This new retirement pension is calculated at the full rate or at the maximum rate. None discount shall not be applied to its amount.

Unlike the pension from the Pension Insurance which was calculated when you retired, this new pension cannot be increased (for children, for example).

The amount of your new retirement pension cannot exceed €2,318.4 gross per year.

You can only receive a new retirement pension once from the same basic pension fund.

What activities can be combined with your retirement?

You can continue or resume the following activities and accumulate your working income and your basic SRE or NRACL retirement pension.

This is possible regardless of the amount of your retirement pensions and the amount of your working income.

Répondez aux questions successives et les réponses s’afficheront automatiquement

Artistic activity

You can continue or resume an artistic activity.

The activities concerned are as follows:

  • Author of literary and dramatic works, music and choreography, audiovisual and cinematographic works, graphics and plastics, and photography
  • Performing artist (lyrical, choreographic, variety artist, musician, singer, conductor, director, etc.)
  • Mannequin
  • Professional performer

Artistic creations

You can freely exercise an artistic or creative activity.

You must follow the rules for copyright.

You can freely create the following works:

  • Books, brochures and other literary, artistic and scientific literature
  • Lectures, speeches, sermons, oral arguments and other similar works
  • Dramatic or dramatic musical works
  • Choreographic works, circus numbers and rounds, pantomimes the implementation of which is fixed in writing or otherwise
  • Musical compositions with or without words
  • Cinematographic works and other works consisting of animated sequences of images, whether or not with sound, called audiovisual works
  • Works of drawing, painting, architecture, sculpture, engraving, lithography
  • Graphic and typographical works
  • Photographic works and works made using techniques similar to photography
  • Works of Applied Arts
  • Illustrations, maps
  • Plastic plans, sketches and works relating to geography, topography, architecture and science
  • Software, including pre-build hardware
  • Creations of the seasonal clothing and adornment industries

Participation in the functioning of the justice system

You can continue or resume a casual activity that contributes to the functioning of justice.

These activities include:

  • Member or assessor duties in certain courts where they give rise to the receipt of compensation in the form of vacations: jury of the courts of assize, assessor of the joint courts of rural leases, labor counselor, assessor of the courts for children
  • Expert, advisory or findings missions entrusted by judges
  • Arbitration activities and activities in commissions intended to obtain conciliation of the parties, in so far as participation in such commissions gives rise to the receipt of compensation

Participation in consultative or deliberative bodies

You may continue or resume an activity as a member of an advisory or deliberative body. These activities include:

  • Regional, departmental or municipal councilor
  • Member of a commission or advisory board
  • Honorary Magistrate, President of a Legal Aid Office
  • Member of a board of directors or a commission within a public establishment, a public sector company, or a body responsible for the performance of the public service

Healthcare professional activities

You can continue or resume a health professional activity in an area characterized by insufficient care provision or difficulties in access to care (medical desert).

The healthcare professionals involved are:

  • Physician, midwife and odontologist
  • Pharmacist, pharmacy preparer, hospital pharmacy preparer, medical physicist
  • Nursing assistant, childcare attendant, ambulance and dental assistant, nurse, massage therapist, pedicure podiatrist, occupational therapist and psychomotrician, speech therapist and orthoptist, medical electroradiology manipulator and medical laboratory technician, hearing aid, optician-eyewear specialist, prosthetist and orthotist, dietitian

Private security activities

If you were an active member of the National Police, you can continue or resume a private security activity.

The activities concerned are as follows:

  • Human surveillance, or by electronic security systems, or the safeguarding of movable or immovable property, the security of persons in such buildings or on public transport
  • Transport and surveillance of funds, jewelry or precious metals
  • Protection of the physical integrity of persons
  • Protection, on behalf of a shipowner, against threats of diversion or acts of terrorism, of ships flying the French flag

What are the conditions for resuming another activity?

You must have severed any professional relationship with your employer.

You can take up a job in the public service (as a contractor) or in the private sector and accumulate your retirement pension and the income from that job.

If you are in the private sector, your new business must be compatible with your previous functions.

The gross annual amount of your income from your activity must not exceed one third of the gross annual amount of your SRE or NACL basic retirement pension.

If the gross annual amount of your working income exceeds one third of the gross annual amount of your basic pension, the amount of the excess shall be deducted from your basic pension after application of a abatement.

This reduction shall be equal to €7,950.07 per year.

Example :

The total gross amount of your pension is €18,000 per year.

Your business provides you with an income of €21,600 per year therefore more than one third of your pension (18 000 / 3 = 6 000).

Your pension is therefore reduced by €7,649.93 per year (21 600 - 6 000 - €7,950.07 = 7,649.93)

Your revenue from activities included are as follows:

  • If you have resumed paid employment: this is the amount you have received on a gross basis, whatever their name, for services paid per day, per month or per year or as a flat-rate payment, in the form of an allowance or allowance of some kind. If you have returned to contract work in the public service, the residence allowance, the family salary supplement, reimbursements and elected allowances are not taken into account.
  • If you have taken up self-employment: this is the amount you have received less the expenses paid for the performance of your benefits

A simulator is used to estimate the amount of working income you can accumulate with your SRE or NRACL basic retirement pension.

Estimate the income that can be accumulated with your retirement pension

What steps do you need to take?

You must report your resumption of activity to your pension fund:

Répondez aux questions successives et les réponses s’afficheront automatiquement

You're retired from the SRE

You can file your return online on the SRE: titleContent :

State civil service pensioner: reporting a resumption of activity

Please note

You can also make your declaration in writing to your pension center, the address of which appears on the letter accompanying your pension entitlement and on your pension slips.

You must provide the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

You're retired from NACL

You must inform the CNRACL of your resumption of activity, in writing, indicating the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

Are you entitled to a pension supplement?

The resumption of a professional activity during your retirement does not give you any new right to retirement.

Your pensions are not recalculated.

Retirement from 1 September 2023

What are the conditions for job-pension accumulation?

If you have obtained a basic retirement pension from SRE: titleContent or the CNRACL: titleContent at a full rate, you can resume or continue a professional activity.

You can combine your basic and supplementary retirement pensions with the income from your professional activity.

This is possible regardless of the amount of your retirement pensions and the amount of your working income.

You must meet the following 2 conditions:

  • To have applied for and obtained all the basic and supplementary retirement pensions in France and abroad to which you are entitled
  • If you are in the private sector, your new business must be compatible with your previous functions

What steps do you need to take?

You must report your resumption of activity to your pension fund:

Répondez aux questions successives et les réponses s’afficheront automatiquement

You're retired from the SRE

You can file your return online on the SRE: titleContent :

State civil service pensioner: reporting a resumption of activity

Please note

You can also make your declaration in writing to your pension center, the address of which appears on the letter accompanying your pension entitlement and on your pension slips.

You must provide the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

You're retired from NACL

You must inform the CNRACL of your resumption of activity, in writing, indicating the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

Are you entitled to a pension supplement?

The resumption of a professional activity during your retirement allows you to build up new pension rights with the basic pension fund under which your activity falls.

If you are returning to work with your last employer, that return to work must begin at least 6 months after you retire.

Please note

This 6-month period does not apply if you were admitted to retirement before October 15, 2023.

The amount of your SRE or NACL retirement pension that was calculated when you retired does not change. However, periods during which you have returned to work and contributed to a basic pension fund entitle you to a new retirement pension.

This new retirement pension is calculated at the full rate or at the maximum rate. None discount shall not be applied to its amount.

Unlike the SRE or NACRL retirement pension that was calculated when you retired, this new pension cannot be increased (for children, for example).

The amount of your new retirement pension cannot exceed €2,318.4 gross per year.

FYI  

You can only receive a new retirement pension once from the same basic pension fund.

What activities can be combined with your retirement?

You can continue or resume the following activities and accumulate your working income and your basic SRE or NRACL retirement pension.

This is possible regardless of the amount of your retirement pensions and the amount of your working income.

Répondez aux questions successives et les réponses s’afficheront automatiquement

Artistic activity

You can continue or resume an artistic activity.

The activities concerned are as follows:

  • Author of literary and dramatic works, music and choreography, audiovisual and cinematographic works, graphics and plastics, and photography
  • Performing artist (lyrical, choreographic, variety artist, musician, singer, conductor, director, etc.)
  • Mannequin
  • Professional performer

Artistic creations

You can freely exercise an artistic or creative activity.

You must follow the rules for copyright.

You can freely create the following works:

  • Books, brochures and other literary, artistic and scientific literature
  • Lectures, speeches, sermons, oral arguments and other similar works
  • Dramatic or dramatic musical works
  • Choreographic works, circus numbers and rounds, pantomimes the implementation of which is fixed in writing or otherwise
  • Musical compositions with or without words
  • Cinematographic works and other works consisting of animated sequences of images, whether or not with sound, called audiovisual works
  • Works of drawing, painting, architecture, sculpture, engraving, lithography
  • Graphic and typographical works
  • Photographic works and works made using techniques similar to photography
  • Works of Applied Arts
  • Illustrations, maps
  • Plastic plans, sketches and works relating to geography, topography, architecture and science
  • Software, including pre-build hardware
  • Creations of the seasonal clothing and adornment industries

Participation in the functioning of the justice system

You can continue or resume a casual activity that contributes to the functioning of justice.

These activities include:

  • Member or assessor duties in certain courts where they give rise to the receipt of compensation in the form of vacations: jury of the courts of assize, assessor of the joint courts of rural leases, labor counselor, assessor of the courts for children
  • Expert, advisory or findings missions entrusted by judges
  • Arbitration activities and activities in commissions intended to obtain conciliation of the parties, in so far as participation in such commissions gives rise to the receipt of compensation

Participation in consultative or deliberative bodies

You may continue or resume an activity as a member of an advisory or deliberative body. These activities include:

  • Regional, departmental or municipal councilor
  • Member of a commission or advisory board
  • Honorary Magistrate, President of a Legal Aid Office
  • Member of a board of directors or a commission within a public establishment, a public sector company, or a body responsible for the performance of the public service

Healthcare professional activities

You can continue or resume a health professional activity in an area characterized by insufficient care provision or difficulties in access to care (medical desert).

The healthcare professionals involved are:

  • Physician, midwife and odontologist
  • Pharmacist, pharmacy preparer, hospital pharmacy preparer, medical physicist
  • Nursing assistant, childcare attendant, ambulance and dental assistant, nurse, massage therapist, pedicure podiatrist, occupational therapist and psychomotrician, speech therapist and orthoptist, medical electroradiology manipulator and medical laboratory technician, hearing aid, optician-eyewear specialist, prosthetist and orthotist, dietitian

Private security activities

If you were an active member of the National Police, you can continue or resume a private security activity.

The activities concerned are as follows:

  • Human surveillance, or by electronic security systems, or the safeguarding of movable or immovable property, the security of persons in such buildings or on public transport
  • Transport and surveillance of funds, jewelry or precious metals
  • Protection of the physical integrity of persons
  • Protection, on behalf of a shipowner, against threats of diversion or acts of terrorism, of ships flying the French flag

What are the conditions for resuming another activity?

You must have severed any professional relationship with your employer.

You can take up a job in the public service (as a contractor) or in the private sector and accumulate your retirement pension and the income from that job.

If you are in the private sector, your new business must be compatible with your previous functions.

The gross annual amount of your income from your activity must not exceed one third of the gross annual amount of your SRE or NACL basic retirement pension.

If the gross annual amount of your working income exceeds one third of the gross annual amount of your basic pension, the amount of the excess shall be deducted from your basic pension after application of a abatement.

This reduction shall be equal to €7,950.07 per year.

Example :

The total gross amount of your pension is €18,000 per year.

Your business provides you with an income of €21,600 per year therefore more than one third of your pension (18 000 / 3 = 6 000).

Your pension is therefore reduced by €7,649.93 (21 600 - 6 000 - €7,950.07 = 7,649.93)

Your revenue from activities included are as follows:

  • If you have resumed paid employment: this is the amount you have received on a gross basis, whatever their name, for services paid per day, per month or per year or as a flat-rate payment, in the form of an allowance or allowance of some kind. If you have returned to contract work in the public service, the residence allowance, the family salary supplement, reimbursements and elected allowances are not taken into account
  • If you have taken up self-employment: this is the amount you have received less the expenses paid for the performance of your benefits

A simulator is used to estimate the amount of working income you can accumulate with your SRE or NRACL basic retirement pension.

Estimate the income that can be accumulated with your retirement pension

What steps do you need to take?

You must report your resumption of activity to your pension fund:

Répondez aux questions successives et les réponses s’afficheront automatiquement

You're retired from the SRE

You can file your return online on the SRE: titleContent :

State civil service pensioner: reporting a resumption of activity

Please note

You can also make your declaration in writing to your pension center, the address of which appears on the letter accompanying your pension entitlement and on your pension slips.

You must provide the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

You're retired from NACL

You must inform the CNRACL of your resumption of activity, in writing, indicating the following information:

  • Your pension number
  • Name and address of your new employer
  • Date of your resumption of activity and nature of your professional activity

Are you entitled to a pension supplement?

The resumption of a professional activity during your retirement does not give you any new right to retirement.

Your pensions are not recalculated.

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