How to combine the status of pensioner and micro-entrepreneur?

To combine your status as a pensioner with that of a micro-entrepreneur, you must meet the following conditions:

• You must have liquidated all your vested rights for retirement.
• You have reached the statutory retirement age.
• You must have ceased all professional ties with your former employer at the time of termination of your contract.

You must inform the National Old Age Insurance Fund (Cnav) in writing of the resumption of self-employment within one month of the resumption of employment:

You must provide the following:

• Name and address of the company where you carry out your independent activity
• Start date of your activity
• Amount and nature of income from your activity and the social security schemes to which you are affiliated
• Income Tax Credits for the Period of Service
• Name and address of other pension organization(s) paying you a pension

The combination of your micro-entrepreneur income and your retirement pensions can be either full (liberalized job-pension cumulation) if you have a full rate pension, or capped.

Liberalized employment-pension cumulation

You can combine your retirement pension and your professional income as a micro-entrepreneur without ceiling limit if you meet the following conditions

• You have reached the legal retirement age.
• You can justify a full career or have reached the age of the full rate.
• You have liquidated all your basic and supplementary pensions in the compulsory pension schemes of France and the foreigners and in the schemes of international organizations.

Your activity as a micro-entrepreneur allows you to contribute for a second retirement. However, it is not possible to contribute for a third retirement.

Capped employment-pension cumulation

If you do not meet the conditions for liberalized job-pension cumulation, you can combine your professional income and your pension. In this case, it must not exceed one of the following ceilings depending on your situation:

• You are located in a Rural Revitalization Area (RRZ) or a Priority Urban Area (SPA): the annual amount of your retirement pensions and income must not exceed €46,368.
• You are a member of the Cnavpl: titleContent : the annual amount of your retirement pensions and income should not exceed €46,368.
• You are a member of the Cnav: titleContent : the amount of your retirement pensions and income must not exceed €23,184.

When you exceed the threshold that corresponds to your situation, your retirement pensions are no longer paid.

You must report your turnover as a micro-entrepreneur. Your sales are taxed on the plan micro-fiscal taxation.

You are subject to the payment of social security contributions on your turnover as a micro-entrepreneur.

It's the regime micro-social.