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Employee Retirement: full-time pension

Verified 30 mars 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Pension reform project

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.

Minimum age for full-time pension

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 for early retirement as a parent of at least 3 children

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.

Minimum age for full-time pension

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 for early retirement as a parent of at least 3 children

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.

Minimum age for full-time pension

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 for early retirement as a parent of at least 3 children

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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:

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.

Minimum age for full-time pension

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: