Combining employment and retirement can increase your income. But beware, this can also deprive you of a survivor’s pension. Paid by the basic schemes for employees, the self-employed and liberal professionals to the spouse of a deceased insured person, this pension corresponds to part of the latter’s retirement. But to touch it, you must not exceed certain income conditions, recalls Capital.
Thus, the resources of the surviving spouse must be less than 21,798.40 euros per year or 34,877.44 euros if they live as a couple at the time of the application. If this is not the case, he will be refused the survivor’s pension. Moreover, if the pension is allocated, the income must always be below these two ceilings.
If the surviving spouse receives the pension, it may be revised upwards or downwards, depending on the evolution of their income. But above all, the survivor’s pension is said to be “crystallized” three months after the date on which the survivor has had his own pension liquidated. Or then or from his 62nd birthday, in the absence of a personal pension. Once this step is completed, no further revisions can occur.
The device can therefore pose a serious problem. Indeed, if at the time of making the request for reversion, the pension has been liquidated and a job has been resumed within the framework of the combined employment-retirement scheme, there is a risk. That of permanently losing the right to the survivor’s pension from the basic scheme. Because the pension fund will take into account the income of the last three months. When you stop your remunerated activity, however, it will no longer be possible to have your pension reassessed.
There is no way to get past this “crystallized” pension phenomenon. It is therefore strongly advised to wait until you have liquidated your survivor’s pension before resuming a remunerated activity.
