Against a backdrop of an ageing workforce and pension reform, combining work and retirement is an effective way of helping your employees make the transition to retirement. It enables your employees to combine a pension with a professional activity, while enhancing the value of their expertise within your company. Our experts can help you implement solutions tailored to your needs and those of your senior employees.
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Combined employment-retirement: prolong the activity of your senior employees while securing their retirement
Skills retention
Optimized management of departures
Optimization of your strategic workforce planning
Solutions to support the transition from work to retirement
Our experts can offer you a range of solutions to help you manage the end of your career and reinforce your social policy.
End-of-career leave with continued pension contributions
Offer your employees the chance to take time off while continuing to contribute to their retirement.
- Advantages: Maintenance of pension rights, flexible management of departures.
- Conditions: Internal agreement or collective bargaining agreement.
Extra-Conventional IFC (Indemnité de Fin de Carrière) increase
Offer an increase in IFC to reward employee loyalty and experience.
- Benefits: Recognition of years of service, better financial preparation.
- Implementation: Company-wide negotiations.
End-of-career support with customized solutions
Explore innovative ways to optimize your employees' transition to retirement, while meeting the need for flexibility and recognition of career paths.
Senior part-time work and gradual retirement
These schemes enable you to reorganize your working hours while guaranteeing full pension contributions.
- Advantages: Flexibility, preservation of rights.
- Conditions: Reserved for employees over 57
Buy back of quarters financed by employer or employee
Enable your employees to buy back missing quarters in order to retire at the full rate.
- Benefits: optimization of retirement entitlements, flexibility in managing departures.
Combined employment and retirement is a strategic solution for companies, as it enables them to maintain key skills while offering their senior employees a gradual and secure transition to retirement. It's a performance lever that combines flexibility and the valorization of experience with the acquisition of new pension rights.
head of department Epargne Retraite Entreprise
Services to ease the transition to retirement
We offer personalized services to help your employees prepare for retirement with complete peace of mind.
Retirement assessments
Each employee can benefit from a personalized assessment to take stock of his or her rights and anticipate retirement.
- Benefits: Clear vision of entitlements, anticipation of administrative procedures.
[H3] Use of the Time Savings Account (TSA)
Allow your employees to use accumulated days to anticipate their departure or convert them into remuneration.
- Benefits: flexibility in the management of leave days, optimization of the transition to retirement.
Practical preparation and tools for a worry-free retirement
Practical solutions to help your employees understand their rights, manage their resources and make a smooth transition to retirement.
Retirement Training Days
Offer training sessions dedicated to preparing for retirement, to inform your employees about pension schemes, administrative procedures and taxation.
- Content: basic and supplementary pension schemes, procedures to follow, pitfalls to avoid, taxation.
Chiffre clé
500,000
In 2022, more than 500,000 people in France were combining work and retirement, a figure that has been rising steadily since the 2010 pension reform.
Direction de la Recherche, des Études, de l'Évaluation et des Statistiques (DREES), 2022 report on pensions.
Our employment-retirement transition experts at your service
Our teams of experts are at your disposal to support your employees through this transition phase. We offer personalized advice and information days to help your employees better understand the stakes involved in their retirement.
- Personalized advice: each employee receives recommendations tailored to his or her personal situation.
- Information days: organized in collaboration with your HR department, these days answer all your senior employees' questions about retirement.