Basic full-rate employee pension

Verified 13 March 2025 - Directorate for Legal and Administrative Information (Prime Minister)

You are salaried worker and you want to know what a full-rate pension and if you can benefit ? Here's the information you need to know.

One full-rate pension is a no-discount pension, i.e. without any reduction in its amount.

As a private sector employee, when you retire, you are entitled to:

  • To a basic retirement pension from Pension Insurance
  • And a supplementary retirement pension from theAgirc-Arco: titleContent.

The basic pension of the Pension Insurance is granted at a full rate:

  • If you fill out a term of insurance or age requirement
  • Or if you are in specific situations.

Please note

The amount of your additional pension from the Agirc-Arco may also be reduced or increased depending on your age of departure.

The basic pension of Pension Insurance is granted at a full rate if you meet one of the following 2 conditions:

  • You're retiring between the minimum legal age of departure (between 62 and 64 years depending on your year of birth) and 67 years by having a specified number of quarters d'pension insurance
  • Or you're retiring at age 67, no matter how many quarters you have pension insurance.

If you retire before age 67, without having the required number of quarters of pension insurance, you are not entitled to a full rate pension.

In this case, the amount of your retirement pension is reduced according to the number of quarters you miss. This reduction is the discount.

The number of quarters required to qualify for a rate pension before age 67 varies depending on your date of birth:

Tableau - Number of insurance quarters required to qualify for a full rate pension

You were born:

You can retire from:

Number of quarters required to have the full rate

Between 1er January 1958 and December 31, 1960

62 yrs

167 (41 years 9 months)

Between 1er January 1961 and August 31, 1961

62 yrs

168 (42 years)

Between 1er September 1961 and December 31, 1961

62 years and 3 months

169 (42 years 3 months)

1962

62 years and 6 months

169 (42 years 3 months)

1963

62 years and 9 months

170 (42 years 6 months)

1964

63 yrs

171 (42 years 9 months)

1965

63 years and 3 months

172 (43 years)

1966

63 years and 6 months

172 (43 years)

1967

63 years and 9 months

172 (43 years)

From 1er january 1968

64 yrs

172 (43 years)

FYI  

If you have worked under other statuses than as an employee (public servant, self-employed, farmer, liberal profession, etc.) and have consequently contributed to different pension funds, this is your total insurance duration, all schemes combined, which is taken into account in determining whether or not you are entitled to full-rate retirement pensions.

If you leave at age 67, your pension is calculated at a full rate based on the number of quarters of pension insurance.

If you have fewer quarters than you need to qualify for a full-rate pension before age 67, no discount is applied on the amount.

You can benefit from a full pension before age 67, in the following cases, if you meet the requirements:

1st cases

You are entitled to a full rate pension at age 65, no matter how many quarters you have of pension insurance, if you are in one the following situations:

2nd cases

You are entitled to a full rate pension fromstatutory minimum retirement age, no matter how many quarters you have of pension insurance, if you are in one the following situations:

  • You're recognized unfit for work, that is, you are permanently incapacitated from work medically ascertained by 50%
  • You are handicapped person suffering from permanent incapacity at least 50%.

You are also entitled to a full rate pension from the statutory minimum retirement age if you raised at least 3 children, have exercised a manual labor and have at least 120 quarters pension insurance.

3rd case

You are entitled to a full rate pension from 60 years if you have permanent incapacity at least 10% recognized by Pension Insurance.

4th case

You are entitled to a full rate pension at the earliest from age 58 if you complete the conditions to be entitled to a early retirement for a long career.

You are entitled to a full rate pension at the earliest from age 55 if you have well-worked by being handicapped person and meet the conditions to be eligible for a early retirement for disability.

FYI  

If you wish to have more information on these devices early departure in retirement, you can request a retirement information interview.

This interview allows you to take stock of the situation personalized and free of charge on your career, to get simulations the amount of your retirement and to put down your questions to an expert.

To request the interview, you must contact (by telephone, mail, mail,...) one of your boxes of retirement.

You will find the coordinates using the following service:

Know your pension plans

You can know the number of quarters of pension insurance that you have by consulting your career record in your pension account, available on the official pension info website.

Your career statement summarizes, in a chronological manner, all your different professional periods.

You can print and download your career record.

You can also perform a simulation of the upright of your retirement at different ages, full or not, based on the data known to your pension funds:

My Retirement Account

From 55 yearsHowever, you can report to your pension funds the anomalies in your career statement and ask for their correction: missing jobs, inconsistencies, etc.

Your pension funds are directly informed.

You can then follow their treatment on your pension account:

Retirement Info - Correcting my career

Who can help me?

Find who can answer your questions in your region

  • Pension insurance - 39 60

    To inform you about your situation, ask a question about your file, access personal information (follow-up of the file, latest payments, etc.).

    By telephone

     39,60 (or 09 71 10 39 60 from a mobile, a box or the foreigner)

    Free service + call price

    Monday to Friday from 8 am to 5 pm