Employee Retirement: full-time pension
Verified 30 March 2020 - Directorate for Legal and Administrative Information (Prime Minister)
Pension reform project
Published on 27 January 2020
One universal pension bill shall be examined by Parliament. The pension rules will be amended. Pending the publication of the law, the information contained in this page remains current.
You can benefit from a full-rate basic pension, paid by the general social security scheme, subject to conditions. This full rate, fixed at 50% from your average annual salary, you do not have to suffer a haircut (you will not have a reduction of the amount). To do this, you must meet a condition of age or length of pension insurance (quarters), which varies according to your year of birth. Otherwise, specific provisions are also entitled to the full rate.
165 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 165 quarters (41 years and 3 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 165 quarters
You are 66 years and 2 months (or older)
If you do not justify a retirement insurance 165 quarters, you automatically get a full-rate pension when you retire at age 66 and 2 months.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach 66 years and 2 months. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 61 years and 2 months |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 61 years and 2 months |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a parent of at least 3 children
You can, under conditions, receive a full pension without waiting until you reach 66 years and 2 months. The age at which full-time retirement is possible varies depending on the situation.
Requirements | Minimum age for automatic full rate |
|---|---|
- Have had or raised at least 3 children - And having interrupted or reduced your professional activity to devote yourself to the education of at least one of them - And have validated at least 8 quarters of pension insurance before this interruption or reduction of activity | 65 years |
- Be a mother who has raised at least 3 children under the age of 16 - and have been employed at least 30 years - And have worked as a manual laborer for at least 5 years in the last 15 years preceding the application for retirement | 60 years and 9 months |
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you reached 61 years and 2 months.
165 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 165 quarters (41 years and 3 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 165 quarters
You are 66 years and 7 months old (or older)
If you do not justify a retirement insurance 165 quarters, you automatically get a full-rate pension when you retire at age 66 and 7 months.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach 66 years and 7 months. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 61 years and 7 months |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 61 years and 7 months |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a parent of at least 3 children
You can, under conditions, receive a full pension without waiting until you reach age 66 and 7 months. The age at which full-time retirement is possible varies depending on the situation.
Requirements | Minimum age for automatic full rate |
|---|---|
- Have had or raised at least 3 children - And having interrupted or reduced your professional activity to devote yourself to the education of at least one of them - And have validated at least 8 quarters of pension insurance before this interruption or reduction of activity | 65 years |
- Be a mother who has raised at least 3 children under the age of 16 - and have been employed at least 30 years - And have worked as a manual laborer for at least 5 years in the last 15 years preceding the application for retirement | 60 years and 9 months |
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you reached 61 years and 7 months.
166 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 166 quarters (41 years and 6 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 166 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance with 166 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a parent of at least 3 children
You can, under conditions, receive a full pension without waiting until you reach age 67. The age at which full-time retirement is possible varies depending on the situation.
Requirements | Minimum age for automatic full rate |
|---|---|
- Have had or raised at least 3 children - And having interrupted or reduced your professional activity to devote yourself to the education of at least one of them - And have validated at least 8 quarters of pension insurance before this interruption or reduction of activity | 65 years |
- Be a mother who has raised at least 3 children under the age of 16 - and have been employed at least 30 years - And have worked as a manual laborer for at least 5 years in the last 15 years preceding the application for retirement | 60 years and 9 months |
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- for disability,
- or because of labor difficulty..
166 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 166 quarters (41 years and 6 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 166 quarters validated
You are 67 years of age (or older)
If you do not justify a retirement insurance with 166 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
167 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 167 quarters (i.e. 41 years and 9 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 167 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance with 167 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
168 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 168 quarters (42 years). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 168 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance with 168 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- for disability,
- or because of labor difficulty..
169 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 169 quarters (42 years and 3 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 169 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance with 169 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
170 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 170 quarters (42 years and 6 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 170 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance with 170 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
171 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 171 quarters (42 years and 9 months). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 171 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance from 171 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
172 quarters posted (or +)
You benefit from a full-rate pension if you justify a retirement insurance at least 172 quarters (43 years). This insurance term is determined by taking into account all the mandatory pension plans to which you have contributed (general wage, self-employed, liberal, agricultural, public service, etc.).
Less than 172 quarters
You are 67 years of age (or older)
If you do not justify a retirement insurance from 172 quarters, you automatically get a full-rate pension when you retire at age 67.
You are disabled or have a family member with a disability
A disability allows, under conditions, to receive a pension at full rate without waiting to reach the age of 67. The age at which you can retire at full age depends on whether you are disabled or have cared for a disabled person in your family.
Disability requirements | Minimum age for automatic full rate |
|---|---|
You are recognized as disabled at a rate of permanent disability at least equal to 50% | 62 years |
You are recognized as unfit for work (you cannot continue to perform your job without seriously harming your health) and have a medically determined rate of incapacity for work set at 50% | 62 years |
You have stopped working for at least 30 consecutive months (2 1/2 years) to care for a family member as a caregiver | 65 years |
You get at least 1 quarter of pension insurance premium for disabled child | 65 years |
You have provided, for at least 30 months, effective assistance to your child receiving the benefit of the disability compensation (PCH) | 65 years |
You are a working mother of at least 3 children
You can qualify for a full-rate pension from age 62 if you meet all of the following conditions:
- You are a mother who has raised at least 3 children under the age of 16,
- You've been an employee for at least 30 years.
- And you have been a manual laborer for at least five years in the last 15 years before applying for retirement.
You are a veteran or a prisoner of war
You have been eligible for a full-rate pension since you turned 62.
Early Retirement
You can qualify for a full-rate pension before age 62 if you meet the conditions for early retirement:
- long career,
- or for disability,
- or because of labor difficulty..
- Social Security Code: Article L351-8Entitlement to the full rate between 65 and 67 years or from the legal retirement age
- Social Security Code: Article L161-17-3Insurance term for full-rate pension: employees born after 1957
- Act No. 2010-1330 of 9 November 2010 on pension reform: Article 20Full rate entitlement at age 65
- Decree No. 2010-1734 of 30 December 2010 on the age of entitlement to pensionRight to full rate at 65 years (Article 7) and length of insurance necessary for entitlement to full rate of employees born in 1953 or 1954 (Article 9)
- Act No. 2003-775 of 21 August 2003 on pension reform: Article 5Term of insurance to benefit from a full-rate pension: general principles
- Social Security Code: R351-37Date of retirement
- Decree No. 2011-916 of 1 August 2011 on the period of insurance necessary to benefit from a full pension for persons born in 1955
- Decree No. 2012-1487 of 27 December 2012 on the period of insurance necessary to benefit from a full-rate pension for persons born in 1956
- Decree No. 2013-1155 of 13 December 2013 on the period of insurance necessary to benefit from a full-rate pension for insured persons born in 1957
- Viewing the individual situation statement
Online service
- Retreat in private: duration of insuranceService-Public.fr
- Retirement InfoPublic interest group "Pension Union"
- Social Security Pension Insurance SiteNational Old Age Insurance Fund (Cnav)
- Agirc-Arrco siteAgirc-Arrco