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Combining Employment and Retirement: A Turnkey Solution for Senior Experts

Experience has no age limit; it has value.

Discover how to resume or continue professional activity after your retirement thanks to the scheme of combining employment and retirement.

COMPANIES
Entrust us with your expert
EXPERTS
Showcase your experience
Accompagnement Stratégique
Expertise Senior à la Demande
Flexibilité Organisationnelle
Transformation des Entreprises
Partage de Savoir
Cumul emploi-retraite
Solutions sur Mesure
Valorisation de l’Expérience
Innovation par l’Expertise
Retraite Progressive
Agilité et Réactivité
Réseau d’Experts Sélectionnés

Returning to Work After Retirement: The Work-Retirement Combination Scheme

The full combined employment and retirementlegally framed by Article L161-22 of the Social Security Codeallows retirees to resume professional activity while receiving their retirement pension. Work4Experts handles all administrative procedures with theURSSAF and of the Carsat, at no additional cost to the company.

Why Benefit from Combining Employment and Retirement?

Without a suitable system, companies lose critical skills when their senior experts retire. Working while retired avoids this abrupt break by allowing retirees to gradually transfer their expertise.

Loss of key skills upon retirement

Transmission too rapid, without appropriate support

Difficulty in hiring seniors for targeted assignments after their retirement

Man in suit sitting with laptop on couch.

Take Over Legally Thanks to Work4Experts

Work4Experts ensures a legal return to work. We manage the your pension accumulation with your business income (one-off assignments, part-time work or expertise on demand).

portrait of a happy senior citizen

If these conditions are not met, the capped combined employment and retirement benefits This applies: your earned income is limited to 160% of the minimum wage (i.e., €2,883 gross per month), in accordance with the Social Security ceiling.

The Combined Employment-Retirement Scheme: Full or Capped

To benefit from the full combined employment and retirementYou must have claimed all your basic and supplementary retirement pensions and reached the legal retirement age. In this case, you can combine your retirement pension with your earned income without any limit.

A turnkey solution: Work4Experts Manages the relationship between the company and the expert, at no extra cost

Continuity of skills, even after retirement

Total flexibility in pace and missions

For every urgent need, the expert can be there.

Conditions for Benefiting from the Scheme

To resume work while receiving a pension, you must observe a six-month waiting period before returning to work for your previous employer. This waiting period has been in effect since January 1, 2015, in accordance with... Article L161-22 of the Social Security Code

Portraits of Hugues and Alain
Signature Alain Mlanao
Signature Hugues Bonhomme
Alain Mlanao

Alain Mlanao

Senior HR Expert, Architect of Professional Transitions with over 30 years of experience in large international groups, Alain Mlanao has supported more than 3,000 employees in their professional transitions, from skills development to leveraging expertise in retirement.

Passionate about human resources and deeply committed to society, he defends the idea that work should remain a human adventure based on the transmission, inclusion and appreciation of skills.

A recognized expert in human resources management and post-departure skills retention, he has led the creation of multicultural and intergenerational subsidiaries, supporting thousands of talented individuals throughout their career paths. Convinced that the job market is undergoing profound transformation, he is working to build new models where the experience and expertise of older workers are fully valued.

Its expertise in combining employment and retirement and the legal transition after retirement is at the heart of Work4Experts' vision: to value experience where it brings real added value, and to contribute to building a more humane, inclusive and efficient economy.

Hugues Bonhomme

Hugues Bonhomme

Hugues Bonhomme, co-founder and president of the Work4You group since 2018, is a seasoned expert with dual expertise in finance and human resources, with extensive experience leading national and international organizations.

He has orchestrated complex organizational transformations in various sectors and has implemented innovative digital solutions promoting operational efficiency and has particular expertise in managing retirement transitions and self-employed schemes (micro-enterprise, EIRL, SARL)

As a leader at Work4You, Hugues cultivated the vision of an entrepreneurial model centered on agility, administrative simplicity and supporting professionals in their independence and autonomy.

Driven by a strong commitment to society, Hugues firmly believes that every expert has the potential to make an impact, even as they approach retirement. This conviction has led him to co-lead Work4Experts, a pragmatic and people-centered initiative that connects senior talent with companies seeking directly applicable expertise.

Work4Experts is thus the natural extension of a professional journey dedicated to valuing experience, facilitating professional transitions and building a more inclusive economy that respects know-how.

Recognized expert in post-departure skills maintenance + 3,000 employees supported

20+ years of experience in retirement transition management and self-employed schemes (EIRL, micro-enterprise, SARL)

We know how difficult it is to find the right person for a project… or the right mission to express one's full potential.

That's why we created Work4Experts : so that everyone can contribute to what really matters.

Zero additional cost, zero administrative responsibility for the company. The senior expert can also work with other companies. Total freedom guaranteed.

Work4Experts: Your Turnkey Solution

Work4Experts manages your entire process combining employment and retirement

Creation of your legal structure adapted (micro-enterprise, EIRL, or SARL)

Complete administrative managementcontracts, invoicing, immediate payment

URSSAF and Carsat declarations guaranteed legal and tax compliance

Mission organization according to your actual needs

Legal certainty total for the company and the senior expert

Contact WORK4EXPERTS

How to do

How does it work?

In 3 simple steps, we legalize and fully manage the activity of your senior expert in combining employment and retirement.

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You contact us

Work4Experts assesses your eligibility for full combined employment and retirement or capped according to your age, your pension rights, and compliance with the 6-month period (article L161-22, CSS).

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We legalize your business

Work4Experts creates the appropriate legal structure so that the senior citizen can legally resume an activity as a self-employed person while combining his retirement pension with his professional income.

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Secure collaboration

Work4Experts manages the combined employment-retirement scheme Complete service: contracts, invoicing, immediate payment, URSSAF and Carsat declarations, legal and tax compliance. Seniors can also resume work. with other companies if he wishes.

The senior employee can also work with other companies if they wish. Total freedom guaranteed.

Gradual Retirement vs. Combining Employment and Retirement

The combining employment and retirement and the gradual retirement are two separate legal arrangements for assets over 60 years of age.

The gradual retirement (accessible from age 60 since September 2025, decree 2025-681) allows one to reduce their activity to 40-80% of full time while receiving part of their retirement pension.

The combining employment and retirement This applies after the full liquidation of all your basic and supplementary retirement pensions: you can then resume work AND receive your full (complete) or limited (capped) pension depending on your income.

Senior expert | Work4experts

They chose continuity

portrait of Sophie, Rh

"After 30 years in his position, my senior expert has retired… but thanks to the combined work-retirement scheme offered by Work4ExpertsHe continues to be involved in our strategic missions and makes all the difference."

Sophie, HR Director

⭐⭐⭐⭐⭐

Portrait of Jean

“Today I work part-time while benefiting from combined employment and retirement benefits. I pass on my expertise, I stay in touch with my team, while fully enjoying my active retirement.”

Jean, engineering expert

⭐⭐⭐⭐⭐

Portrait of Marc

“The solution Work4Experts This allowed us to secure the continuity of key skills through the combined employment and retirement of a senior expert. The support and administrative management are impeccable.”

Marc, founder of SMEs

⭐⭐⭐⭐⭐

Portrait of Claire

«Via Work4ExpertsI quickly found a role that matched my senior expertise, combining work and retirement, with considerable freedom and simplified administrative management. Finally, a platform that truly values experience! »

Claire, retired HR expert

⭐⭐⭐⭐⭐

Simulateur Work4Experts : Optimisez votre Cumul Emploi-Retraite

Simulez votre Cumul Emploi-Retraite

Calculez votre revenu optimisé et les économies de votre entreprise cliente.

Votre Pension de Retraite

€

Détails de la Mission

Expertise & Conseil
€ HT

Facturation par Work4Experts au client, hors TVA.

Démarrage (10j) Actuel: 80 Jours Temps Plein (218j)

Salaire brut annuel d'un employé ETP (temps plein) aux compétences équivalentes ?

€ Brut/An
Cadre Légal Sécurisé
Pas de risque de requalification
Zéro Gestion Administrative
W4E s'occupe de tout (facturation, paiement)

Votre nouveau pouvoir d'achat annuel

0 € + 0% de revenu supplémentaire

Pension (Annuel)

0 €

Revenu de Mission (Net Expert)

0 €

* Après déduction des charges sociales et frais de gestion W4E estimés (~22%)

Répartition des Sources de Revenus (Annuel Net)

Optimisez le Coût, Gardez l'Expertise.

Contactez Work4Experts pour sécuriser votre mission.

Contacter Work4Experts

*Simulation à titre indicatif. Les calculs sont basés sur des estimations moyennes de charges sociales et patronales en France.

+0 Years

From the team's combined experience Work4Experts in supporting senior experts and companies in combining employment and retirement

+0 %

Satisfaction rate of senior experts supported in their transition to combining work and retirement with Work4Experts

+0€

Average cost of key skills losses for an SME/mid-sized company due to the unanticipated departure of a senior expert (source: INSEE 2024)

Transparency & Simplicity 

Each intervention is personalized according to your needs.

Work4experts propose :

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Free registration

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Payment per mission, per hour spent, or as a flat fee

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Everything is managed and secured by Work4Experts

MacBook Pro
entrust us with your expert

Services that are fully tailored

Your structure

Administrative creation of the activity ofexpert senior adapted (micro-enterprise, EIRL, or SARL)

Your paperwork

Payment management and formalities

100% cash advance (immediate payment at the end of the month)

Total flexibility

Mediation and support on missions

New adventures

Openness to other companies if the expert wishes

FAQ: Frequently Asked Questions about Combining Employment and Retirement

What is Work4Experts?

Work4Experts is the complete solution for legalizing combined work and retirement in France. We support companies wishing to retain the expertise of their senior employees after retirement, as well as seniors wishing to continue working while receiving their full pension.


Compliant with the article L161-22 of the Social Security Code (full and capped combination of employment and retirement benefits), Work4Experts We handle the creation of the legal structure, drafting of contracts, invoicing, URSSAF and Carsat declarations, immediate payment, and comprehensive tax support. This service guarantees smooth administrative management, free from legal risks and without additional costs for the company.

What is combined employment and retirement and what is phased retirement?

Combining employment and retirement and phased retirement are two legal options for workers over 60.

  • Phased retirement (from age 60 since September 2025) allows you to reduce your activity to 40-80% of full time while receiving part of your pension.
  • The combination of employment and retirement applies after full liquidation: you can then work AND receive your full (total) or limited pension depending on your income (capped at 160% of the minimum wage = €2,883).

For Work4ExpertsWe fully legalize these two arrangements by creating your legal structure, managing contracts, invoicing, URSSAF/Carsat declarations, at no extra cost to the company.

Good news: decree 2025-681 lowers access to phased retirement to 60 years, a chosen transition towards more freedom and flexibility.

What is the maximum amount that can be combined with employment and retirement benefits?

If you do not meet the conditions for full accumulation of benefits, your earned income is capped at 160% of the minimum wage (SMIC) (€2,883 gross per month), in accordance with the annual Social Security ceiling. Work4Experts can help you optimize your situation.

Can I resume work at my former employer?

Yes, but you must observe a 6-month waiting period before resuming work with your last employer. This waiting period has been in effect since January 1, 2015. Work4Experts will legally structure your return to work to ensure compliance with the Carsat and URSSAF regulations.

Who is Work4Experts for?

Work4Experts It is aimed at two complementary audiences:


For COMPANIES : you want to avoid the loss of critical skills associated with the retirement of your senior experts. Work4Experts allows you to keep them available for one-off assignments, part-time work or strategic expertise, while benefiting from a legal employment-retirement combination that allows you to pay these former employees without employer contributions or additional costs.


For SENIOR EXPERTS : at the end of your career or retired, you wish to continue working, pass on your know-how and receive a supplementary income. Work4Experts legalizes your independent activity (micro-enterprise, EIRL, SARL) and manages for you the full (if conditions are met) or capped employment-retirement combination, as well as your complete tax return.

What does Work4Experts offer?

Work4Experts helps to create, if necessary, a suitable legal structure so that the senior can work legally as a freelancer, while taking care of contracts, payments, monitoring and support for both parties.

How does this differ from a simple matchmaking platform?

We are not just a digital intermediary: we offer personalized support to seniors to become independent and to companies to integrate these transitioning experts into their organization, simply and securely.

How does the collaboration with a senior expert work?

The company expresses its needs, the senior expert (with his independent status created by Work4Experts if necessary) carries out the agreed mission, and Work4Experts manages all the administrative part (contracts, invoicing, payment, support).

Can a senior citizen work for multiple companies?

Yes, as a self-employed person, a senior citizen is free to work for different companies according to their desires and availability.

What are the advantages for the company?

The company retains access to rare skills, limits the risks associated with retirements, benefits from tailor-made operational expertise and gains flexibility without administrative burden.

What are the advantages for the senior expert?

The senior maintains a professional connection, chooses their missions and work pace, receives independent remuneration and benefits from support for an activity in full legality.

How does Work4Experts secure contractual and administrative relationships?

We take care of setting up the appropriate independent status, drafting the contracts, ensuring invoicing and payment, and supporting both parties for a frictionless and risk-free collaboration.

How to get started with Work4Experts?

Contact Work4Experts to describe your needs (company) or your skills and desire to remain active in retirement (senior). We will guide you through setting up the legal structure if necessary, and then through defining and monitoring the project.

To learn more, consult our complete guide

Choose continuity over rupture

Ignoring the value of experience

These are...

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Lost skills

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Projects slowed down

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No transmission

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Expensive recruitment

With Work4Experts, on each project ...

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Pricing at ISO cost

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No payroll taxes or hidden fees.

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Rigorous monitoring and measurable results

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Legal flexibility

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Responsiveness and flexibility

and experience continues to create value.

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Umbrella Companies for Retirees: An Alternative to Combining Employment and Retirement?
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Combining Employment and Retirement with Part-Time Work: The Secrets of Article L161-22
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5 Reasons Why Combining Work and Retirement Is the Best HR Investment
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Contact us to benefit from the Employment-Retirement Combination scheme.

Are you looking to return to work after retirement or retain the expertise of your senior employees? Contact us Work4Experts to legally benefit from the combined employment-retirement scheme.


Zero additional costs. Zero administrative responsibility. Guaranteed continuity of skills.