I have been reading all the posts about changes to the AE system, and also posts concerning pensions.
When my partner and I moved to France 6 years ago I had taken early retirement and redundancy and already had about 35yrs worth of NIC's. My partner also took redundancy, she had about 23 yrs worth of NIC's
After 2 years with our health care covered by what we had paid in the UK, we decided to get married and start a small business. After attending our business training course at the Chambre de Metiers we "signed on" the unemployment register and after 6 months set up an SARL to run a very small brewery. The main purpose of this was to keep us in the system for health care etc.
My partner was the gerant and I the cojoint colaborateur.
After a couple of years of paying all our profits to accountants and book keepers, and with the advent of the AE scheme my partner closed down the SARL and I set up as an AE selling dog food, and making and selling beer.
I have been doing this for about 3yrs, and have paid enough cotisations each year to qualify for the relevant amount of pension trimestres, and we continue to have Carte Vitales. We also pay a top up insurance.
Now for my question - I will be 62 in December and so will have reached French retirement age.
I already have enough NIC's for a full UK OAP when I reach 65. Is there any point me continuing with the business from a pensions and/or health cover point of view? Would there be any advantage to my partner if I packed up as an AE and she set up as an AE (or in some other structure depending on what happens to AE) ? Our main concern is being in the system for healthcare, but she will need about 3 more years NIC's for a full UK pension when she finally gets it age 67. Any advice welcome!