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Combining Work and a Pension – Individual Determining Factors and Combiners’ Profiles

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  • Agathe Dardier

Abstract

[eng] Combining work and a pension is one of the ways of extending ones working life that is being encouraged under the 2003 pension reforms. In 2019, 3% of retirees under the general scheme were thus in paid employment in the private sector and, of individuals having retired under the general scheme since 1 January 2004, 10% were in paid employment in the private sector between 2005 and 2016. This article seeks to identify the key characteristics of these employed retirees, or “combiners”, prior to any changes in the legislation. The analysis, carried out using administrative data gathered by the CNAV (the French national old-age insurance), shows that the two factors which contribute most to a decision to return to work after retirement are having been in employment before retiring and having the length of insurance cover required for a full pension. Three typical combiner profiles are identified: a profile of men who have had long careers and taken early retirement (24%), a profile of executives (45%) and a profile of women with spells out of work (31%).

Suggested Citation

  • Agathe Dardier, 2021. "Combining Work and a Pension – Individual Determining Factors and Combiners’ Profiles," Economie et Statistique / Economics and Statistics, Institut National de la Statistique et des Etudes Economiques (INSEE), issue 524-525, pages 119-135.
    • Handle: RePEc:nse:ecosta:ecostat_2021_524d_8
    DOI: https://doi.org/10.24187/ecostat.2021.524d.2047
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    More about this item

    JEL classification:

    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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